Its 14-day waiting time for illnesses is about half that of other brands (30 days).
You can choose how much of your vet bills you want covered — 90%. The lower the percentage, the cheaper your premiums. Out of 15 policies we looked at, only 2 others let you do this.
Cons
It's not good if you just want a basic policy that only covers accidents. Knose only offers comprehensive cover.
We got quotes from other brands such as Everyday, and Knose tends to be more expensive.
We currently don't have that product, but here are others to consider:
How we picked these
Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
🔎 Why choose Knose pet insurance?
Knose has a number of perks included in its pet insurance policies that could be right for you. These include:
Emergency boarding. With Knose, you get a $25,000 emergency boarding benefit, which is much more than other pet insurance providers.
Paralysis tick benefit. You will also receive a paralysis tick benefit limit of $25,000 with your cover. Similarly, this is higher than most policies.
Taking your pet overseas. Knose pays for vet expenses while you are travelling in certain areas such as New Zealand and Norfolk Island.
Choice of benefit percentage. You can choose to have 90% of eligible vet bills covered, depending on how much you want to spend on premiums and treatment.
What pet insurance policies does Knose offer?
Keeping things simple and straightforward, Knose offers 2 pet insurance policies: cover for dogs and cover for cats.
Policy
Features
🐶 Cover for dogs
Covers accidents and illnesses
Choice of 90% cover
$25,000 annual benefit limit
All eligible vet bills including cruciate ligament and tick paralysis treatment covered up to $25,000
No additional excesses
Same-day cover for accidents
14-day waiting period for illnesses
6 months waiting period for orthopaedics and hereditary conditions
🐱 Cover for cats
Covers accidents and illnesses
Choice of 90% cover
$25,000 annual benefit limit
All eligible vet bills including cruciate ligament and tick paralysis treatment covered up to $25,000
No additional excesses
Same-day cover for accidents
14-day waiting period for illnesses
6 months waiting period for orthopaedics and hereditary conditions
"We insured both our Lab X Kelpies with Knose as soon as we could. The policies cover a fair amount and if the claim is accepted it's paid out pretty quickly. Unfortunately, they don't automatically work with some vet hospitals, so check your local area before heading in. "
Matt Corke
Finder crew member
🏥 What does Knose pet insurance cover?
Here's a breakdown of what you'll be covered for with Knose pet insurance.
Injury cover can pay you a percentage of vet bills resulting from an accidental injury. You can choose the benefit percentage yourself – 90%. Injuries covered can include:
A burn or electrocution
A motor vehicle accident
An allergic reaction to a bite
A bone fracture
The waiting period is 1 day for accidental injuries, but your pet needs to be at least 6 weeks old to be eligible for cover.
Illnesses
If your pet suffers an illness and you incur vet costs for any necessary treatment, Knose will reimburse you up to the benefit percentage you have selected. Both policies cover:
Your pet while you are travelling in New Zealand or Norfolk Island on a trip for less than 60 days.
30 days of emergency boarding for your cat or dog if you are unexpectedly hospitalised for 4 or more consecutive days.
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your locations
If your pet is desexed.
👥 Knose pet insurance reviews
In addition to user reviews on Finder below, we looked through Knose pet insurance customer reviews on productreview.com which go back 2 years from August 2021. Here's a summary of how Knose performed:
90 of the 100 reviews were given 5 stars.
Most claims are accepted within 2 weeks.
While they're overwhelmingly positive, it only has 100 reviews – other pet insurers including PIA and Bow Wow have more.
If you're a previous or existing customer of Knose pet insurance, we'd love to hear from you! Leave a quick review here.
What isn't covered by a Knose policy?
To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions you will find with a Knose pet insurance policy:
Additional vet costs such as house calls when they are not an emergency
Medications not registered or approved in Australia
Boarding and transportation costs
Costs after your pet's death
Epidemics, pandemics or new influenza
Knose does not offer routine care benefits as part of their insurance cover. However, Knose offers stand-alone comprehensive pet care plans that include home-delivered parasite presentations and a $100 allowance for health checks and vaccinations.
Winner for Best Pet Insurance - Comprehensive 2023
Your reviews
3.6
★★★★★(0)
5
4
3
2
1
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
10 of 11 reviews
★★★★★PR (Sydney ) 2 years ago
100% increase
Started off reasonable per month but when our labradoodle turned 2, a month after our premium jumped 100% per month to $133. Seems outrageous
★★★★★Zulu65 (Epping nsw) 2 years ago
What a life saver!
Knose pet insurance's cover is clear and easy to understand. I took my dog to the vet and there were no surprises. They did not pay for the vaccination (I knew this beforehand) but all the other vet costs were paid. I got 90% back. Brilliant service.
★★★★★Deborah (Sarsfield) 2 years ago
Great to work with, excellent service
Have been using Knose insurance for all our pups in our breeding program and they are amazing to deal with and have exceptional customer service
★★★★★Mick L (Sippy downs) 2 years ago
Knose wins with no sub limits and excess payable only once a year
i have not found another more honest insurer. Nothing worse than thinking you're covered for a 12k surgery to be told oh no there's a sub limit on that you only get 3k which is what happened with one of my dogs with another insurer. With Knose you are insured for the amount you choose regardless of what it is. They do O/S travel as well as if you choose to have an excess to drop monthly payments, you only pay it once a year. I love Knose and only wish I had found it sooner. I would have a much nicer car now
★★★★★Brett (Melbourne) 2 years ago
unreasonable 30% yearly increase
I had top cover for a new pup. The first year's renewal was about a 30% increase. I simply can't trust an insurance relationship when they will increase their costs so much after just 1 year.
★★★★★Daniel Lissa (Melbourne ) 3 years ago
Beware! 25% Renewal Increases
Buyer beware, I purchased insurance for my 2 dogs and just got my renewal and its gone up 25%. I have made no claims and was told its due to other customers making too many claims. I should of listened to the person who wrote the same thing on a review page warning of Knose ridiculous price increases
★★★★★Sarah (Rochedale) 3 years ago
Wastes time with claims
Takes months to get claims processed (if they are even approved)
★★★★★Louise (Sydney ) 3 years ago
Great Insurance
We have Knose for our bulldog, Ash the Tank. He has had some issues and Knose has always been reliable. The insurance is easy to understand and I love that there are no sub limits. Very happy. Highly recommended.
★★★★★Nico (Sydney) 3 years ago
Knose knows what counts
We have now been a customer of Knose for just over a year and could not be happier. We only had to do one claim for our cavoodle an it was nonissue whatsoever. Easy claim process and excellent cover. Great experience. Highly recommend.
★★★★★Stephanus Gouws (Sydney) 3 years ago
The FULL package!
Great value cover and very competitive and a bonus to talk to someone without Australie when you need to!
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 622 Finder guides across topics including:
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