Compare pet insurance in Australia
Clear, independent information to help you understand what different dog and cat insurance policies actually cover, so you can choose with confidence.
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See how Australian pet insurance policies compare
Most pet insurance in Australia covers accidents and illness, but the details differ. Annual limits, the percentage of the vet bill you get back, the excess you pay, and the waiting periods before cover starts can all vary between policies. We lay these out side by side, using each insurer’s published product information, so you can see the differences at a glance.
Some well-known brands are administered by the same underwriter. We explain what that means for you.
| Provider | Cover type | Annual limit | Benefit % | Excess | Waiting periods | Sub-limits | Routine care add-on | Get a quote |
|---|---|---|---|---|---|---|---|---|
| Bow Wow Meow | Accident & illness | Varied, up to $30,000 | up to 90% | $0-$200 | 2 days accident / 30 days illness / 6 months cruciate | Some apply |  Available | Get a quote |
| Budget Direct | Accident & illness (Comprehensive) | $15,000 (Comprehensive) | 80% | $100 or $200 | 2 days accident / 30 days illness / 6 months cruciate | Some apply | Available | Get a quote |
| Fetch Pet | Accident & illness | $12,000 | 75% | $0 | 2 days accident / 30 days illness / 90 days cruciate, BOAS & similar | Some apply | Not available | Get a quote |
| Knose | Accident & illness | Varied, up to $25,000 | 70% / 80% / 90% | $0 / $100 / $200 | 1 day accident / 14 days illness / 6 months specified conditions | Some apply | Not available | Get a quote |
| RSPCA | Accident & illness (PetFlex) | Varied, up to $25,000 | up to 90% | $0-$250 | 2-6 months | Some apply | Not available | Get a quote |
| Petsy | Accident & illness | Varied, up to $25,000 | 80% or 90% | Varied | 14 days illness / 6 months specified conditions; accident to verify | Some apply | Not available | Get a quote |
Understand pet insurance before you buy
A few minutes of reading now can save you from surprises at claim time. Start with the basics.
Accident, illness and comprehensive cover, explained simply.
Why your cover doesn’t start the day you sign up.
What they are, and how insurers usually treat them.
What drives the price, and how to compare like with like.