Pet Insurance Comparison

Compare 8 leading brands in Australia side-by-side to see which pet insurance is a good fit for you.

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Francesca Guerrera

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Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
tick
tick
No sub-limit
$30,000
90%
90%
Fetch your 1st month free. Sign up to Medibank Pet Insurance using promo code 1FREE and get your first month's premium free. Offer ends 2 April 2025. T&Cs apply.
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tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
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tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
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Bow Wow Meow Nose-to-Tail Cover
Finder Award
Bow Wow Meow Pet Insurance logo
tick
tick
No sub-limit
$30,000
70%, 80% or 90%
70%, 80% or 90%
Get your first 2 months free by using the promo code: 2MFREE. T&Cs apply. Enjoy GapOnly claiming and complimentary use of myPetPass with 24/7 access to Live Vet Care. Also, policyholders are entitled to a free ID tag.
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Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance logo
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
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Fetch Pet Insurance
Fetch Pet logo
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
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PIA Major Medical Cover
Pet Insurance Australia logo
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
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Petsy Top Cover
ExclusiveHighly Commended
Petsy Pet Insurance logo
tick
tick
$25,000
$25,000
90%
90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
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Start comparing

How can you compare pet insurance policies?

At first glance, it might seem like most pet insurance policies are pretty similar. Here's how 2 insurers' comprehensive policies stack up against one another.

Insurer A
Insurer B
Premium
$118.65
$121.04
Annual Benefit Limit
$12,000
$20,000
Reimbursement rate
80%
85%
Illnesses
Yes
Yes
Accidental Injury
Yes
Yes
Cancer treatment
Yes
Yes
Excess
$0
$0
Choice of excess
$0, $100 or $200
$0 or $50 only

This insurance policy comparison was made for Teddy the male French bulldog. He is 4.5 years old, desexed, and lives in Campbelltown NSW.

As you can see, these policies cost around the same and cover Teddy for similar services. However, there are some key differences worth noting, such as:

  • Annual Benefit Limit: The maximum benefit limit between policies can vary from around $11,000 to $20,000. A lower limit generally means cheaper premiums but you risk reaching your annual limit and being out of pocket if your pet is seriously ill or injured or becomes ill.
  • Choice of excess: This is how much you pay out of pocket if you needed to make a claim. Some policies allow you to choose your excess amount (the higher your excess, the less you pay each month). In the example above,
  • Reimbursement rate: While the difference between an 80% and an 85% reimbursement rate doesn't seem like a lot, imagine if you were faced with a $5,000 vet bill. You'd be out of pocket $1000 with Insurer A (80% reimbursement) or just $750 with Insurer B (85% reimbursement).
Francesca Guerrera's headshot
Publisher

Francesca Guerrera was a Publisher at Finder, helping Aussies find the best deals when it comes to getting pet insurance for their fur babies or taking out life insurance. She has a Bachelor of Communications in Journalism from the University of New South Wales. See full bio

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