Knose Pet Insurance Review

Knose has an annual benefit limit of $25,000 — this is consistent with what many other providers offer.

3.6 ★★★★★ (11 reviews) Write a review
Knose Pet Insurance

Pros

  • 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.
Name Product AUFPI

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Compare pet insurance from Knose

Product AUFPI
Maximum yearly benefit
Paralysis tick yearly sub-limit
Reimbursement rate
Accidental injury
Illness
$25,000
$25,000
90%
Yes
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Knose Pet Insurance logo
$12,500
$12,500
70%
Yes
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
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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
Matt Corke's headshot

"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.

Ambulance vehicle with pet paw on the front

Accidental injuries

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.

Vet building with pet paw on the front

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.

How much does Knose pet insurance cost?

To help give you an idea about Knose pet insurance costs, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed
1yr old
5yr old
Maltese Cross
$1,317.60
$1,680.36
Cavoodle
$1,281.60
$1,851.48
Labrador
$1,975.20
$2,590.08
Staffordshire Bull Terrier
$1,881.84
$2,676.24
Border Collie
$1,419.72
$2,022.12

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:

  • Pre-existing conditions
  • Intentional harm or neglect
  • Not following your vet's advice
  • 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.

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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's headshot
Journalist

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:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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