Best Pet Insurance

No fuss,easy to do a claim,communication is really great too! Well done team at Bow WOW Meow.

Initially, great, cheap, and very good at submitting and executing claims. However, they will scrutinise large or ongoing health issues to look for… Read more

loopholes or minor, nondescript previous visits, and use this as an excuse to claim pre-existing conditions before the initial cooling-off period. (We had a skin allergy issue with our dog.) Next, I had to fight them on 3 separate occasions, all the way, using their own policy, as they tried not to pay out claims and instead returned a payment without admitting fault. The last BIGGEST issue is that, because pet insurance is not regulated, they will increase repayments at every renewal, citing rising vet costs as justification, but this is false, as that is not the case at veterinary clinics. This is done to get you to cancel as your dog ages and more health issues potentially appear. At the end of my dog's life, I was paying $315 per month for an 80% return on claims with a $100 excess. I was trapped by the time I wanted to switch; it wasn't possible. He passed at 12 years and 8 months and was insured with them his whole life.

An insurance company that was actually there when my pet needed them I have three cats insured with Knose, and after my experience with Cleo’s… Read more

recent dental treatment I genuinely wanted to take the time to leave them a great review.

Cleo needed significant dental care, and Knose’s coverage took an enormous amount of financial stress out of an already worrying situation. As a pet owner, there is nothing worse than having to think about money while you’re trying to make the best medical decision for an animal you absolutely adore.

The real test of pet insurance isn’t when you’re paying the premiums - it’s when your pet actually needs treatment. Knose was there when Cleo needed them, and that means an enormous amount to me.

I’m incredibly grateful for the level of cover I chose and for the way her dental care was handled. The experience has also made me very happy that I chose Knose for all three of my Sphynx cats - Cleo, Luna and Zeus.

Thank you to everyone at Knose who helped with Cleo’s claim. You didn’t just help pay a veterinary bill; you gave a worried cat mum the freedom to concentrate on getting her baby the care she needed.

Five very enthusiastic stars from me - and three slightly wrinkly ones from Cleo, Luna & Zeus. ⭐️⭐️⭐️⭐️⭐️

THANK YOU, KNOSE! Love, Cleo One very grateful (and freshly dental-ed) little wrinkle

Just changing over to Fetch Pet and needed to ask a question and add details after downloading App. This was done very easily and quickly and sorted for me. Looking forward to my Fetch cover

I'm a veterinarian and have not only been a customer of petsy for many years but I've had the pleasure of dealing with them on many occasions. They are people who actually care and it really shows.

I effected the policy in May 2026 and was assured of the cover. I lodged a claim in August 2026. The invoice was for 2 issues, however, I only… Read more

claimed for one as the other issue was a pre-existing condition which I noted on the claim. After repetitive contact with me for further information, some 2 weeks later I received a declinature for both issues. Clearly my claim wasn't read properly as I was only claiming for one issue...a polyp in the ear. Their rejection for both issues was pre-existing condition. My pet had an ear infection about 7 months earlier and their opinion was that this polyp is related to the previous ear infection 7 months earlier. If I was properly advised that any previous incident would be used to assess claims then I wouldn't have wasted my time and money. Obviously I cancelled the policy. Be careful with this insurance company as you could be wasting your money!

Losing our beloved dog, Ollie, was incredibly difficult, but Real Pet Insurance made the claims process simple and stress-free. The claim was… Read more

approved exactly as per the policy, with no hassles. The process was straightforward, and every staff member was friendly, compassionate, and genuinely helpful. Thank you for making a difficult time a little easier. I highly recommend Real Pet Insurance to any pet owner.

Very fast in accepting the claim and paying out the claim

Spoke on the phone with representative Hero: very understanding and patient with my requests, truthful and helpful. Thank you!

My 6th German Shepherd Solomon developed Gastric-Dilation Volvulus (GDV) or 'twisted stomach' for us non-medical folk. The condition is… Read more

overrepresented in this breed and I have lost 2 Shephard's previously to the condition. My wife and I had travelled from the Gold Coast to Helensburgh near Sydney to visit one of our sons and took 2 dogs along. On the day following our arrival I noted Solomon seemed lethargic in the afternoon after being very normal late morning and I checked his gums for sign of snake bite and then his stomach for potential GDV, His stomach was bloated and I could feel the twist. We rushed him to the ARH Emergency Vet Hospital in Wollongong and they triaged Solomon on arrival and prepared him for surgery. The staff who were brilliant assisted with contacting Guide Dogs and within minutes, we had pre-approval for the treatment. This rapid outcome was the best news along with the ARH surgeons quick assessment and I left the hospital with the confidence that I didn't need to worry about the cost or the level of treatment Solomin would receive. Solomon's had 4 days in intensive care and pulled through and is now recovering at home on the Gold Coast. He was discharged from the hospital in a very seamless process and all I needed to do was cover the gap.

I changed to Guide Dogs after a rejected claim from another insurer when Solomon was 7 months old and have been with Guide Dogs ever since (he'll be 8 in June) for multiple pets and this isn't my first claim with Guide Dogs.

If you are shopping around for an insurance option for your pet, I'm more than happy to recommend Guide Dogs.

They have asked for vet notes x3 times and every time I provided a document from the vet stating that they need to contact the vet directly. They… Read more

just don't read docs! On last occasion the agent put me on hold to get notes from the vet (finally). I called after a few days as nothing happened. And then I learned I need to wait 7-10 business days (which seems to keep resetting every time they make a mistake). At this stage the result of the claim is really less important! They request info but they don't read response and cannot provide any timeframe.

This is a very toothless pet insurance so I updated to comprehensive and still totally useless so after 3 years and never ever being able to use it I… Read more

decided to stop donating money to Woolworths plus they now wont be getting my monthly big shop $$$ for being so greedy. I've changed to RSPCA and cheaper insurance with teeth. Woolworths you get what you deserve and that's not loyalty.

Have made numerous claims over last 2.5 years for two pets with Potiki and have had no problems and prompt service every time. Has saved me a lot of money from unexpected vet visits and hospitalisations.

Marlon was fantastic- informative- respectful and full of knowledge! 5 star!!!

Let down horribly in my dog’s time of need. Dog had emergency and vet classified all expenses accurately. Medibank changed how they classified it,… Read more

putting tick paralysis treatments as conjunctivitis so they could not be claimed. Took excess multiple times by classifying what was one treatment as many. They said vet coded it this way. This was a complete lie. Vet was disgusted and tried to contact Medibank directly. Nobody would pick up. I also waited on hold for more than an hour while my dog dying in vet as they had taken all my funds (out of pocket thousands for first round of treatment and the gap was $700 short of what should have been reimbursed). They acknowledged error by email and offered a free month’s premium but they tied up all my money so I couldn’t fund co pay amount for dog’s treatment. Only in your time of need could you realise how bad this company could let you down. Their error and sneaky way of trying to get out of paying… took me hours at a time of high stress to correct and wasted precious time in getting my dog treated. I’m still awaiting final reimbursement. Horrible horrible experience. Don’t buy this insurance!!!

I took out PetCover (previously PetPlan) cover 10years ago for both my cat and dog. I work in the veterinary industry and at the time they were the… Read more

best out there. However over time, significantly better policies have become available. I process insurance claims daily for clients, and very few people are with PetCover and I certainly know why.

Reasons I would avoid PetCover..

1. PetCover still use an electronic form to fill out and email in to claim. This is incredibly clunky, and I often find when I email it in, it regularly gets lost in their inbox.

2. Claims take at least 10 business days to assess. If you have a sick pet, you don’t want to be waiting 10days for your money back. I often have to follow up the progress of my claim. Most companies have on the spot claims so you just pay the gap - not PetCover.

3. Initially I got back 100% of my claim (minus $150 excess) per illness. As my pets reached 7yrs old , it dropped to 80%, then from 9yrs only 65% back, but my premiums continued to climb. So the more I paid in premiums the less I got back on my claims. Which statistically, you’re going to need insurance the most as your pets age.

4. When I took out the policy’s my dog had up to $15k in cover then this dropped to $10k. I did not initiate this change, and my premiums increased. I don’t think a policy she be allowed to change half way through your pets life.

5. The $150 excess per illness, per policy year is an absolute rort. Many of the newer companies don’t charge an excess or if they do, it’s once for the life time of the pet

Unfortunately with pet insurance, once you start with a policy and your pet has vet visits you can’t swap to another provider as those conditions will instantly become “pre-existing”, which is what happened in my situation, so I was stuck with PetCover. So do you research… and avoid Petcover

Agent was friendly, easy to talk to and very helpful. If you have NPS and CSAT, I will give her a 10 out of 10 for both. I have just been made redundant (ironically, from Bupa) and 3 months free is a massive help while I cut costs. Thank you!

I would not recommend this company. The automatic annual increases applied by this company is unscrupulous and excessive. Watch out. First year for… Read more

gold was $1,000 a year in GST. 2nd year auto-renewal (I missed) rose to over $1,600 in GST Who does a 60% increase? Year 3 they tried to renew for over $2,000 incl GST. When I called to cancel they offered a discount on the excessive $2,000 and bonus free months. No company can explain these increases by keeping up with CPI increases and even allowing for your pet ageing. If you pet lived to 10 years you would be up for $20,000 +. Yopu're better off finding the cash, even with vet bills being so high.

Great pet insurance – Guardian were excellent to deal with. If the vet clinic was unable to process a gap payment it was easy to submit invoice and vet notes through the… Read more

portal when lodging a claim. Claims were always processed within a few days and received 80% of vet fees incurred. Definitely value for money for our dog who had numerous issues. Had our policy with guardian for 6&1/2 yrs until we unfortunately had to have her euthanised due to terminal illness.

Don't waste your money. They decided a skin condition was a preexisting condition for my pet so every claim for over 2 years was rejected by them… Read more

because they said it was preexisting. The final straw was when they said that an insect bite on a paw was linked to a "preexisting" ear skin condition. It was only after complaining and getting them to review the claim TWICE that they finally agreed to approved the claim, which they did not reimburse because it was less than the excess. Total vet bills in nearly three years was around $1200. Total pet insurance paid was close to $3000 and not one claim paid.

I have recently made a third claim on my policy. As before the payment was in my account within a couple of days! Thanks Mallory!

Seriously disappointed – Have had insurance with Petmed for over 10 years and with the premium increasing to an outrageous cost requested to drop cover to a lower level. Was… Read more

told they are not modifying or doing any new policies. So disappointing because now my dog is over 10 it seems I either cough up $2600 a year for his policy amor have no insurance m. Seriously disappointed!!!

RAC Pet Insurance ARE NOT cooperating. So, we've had pet insurance with RAC for well over a year. Two weeks ago, our dog was treated for a sudden… Read more

stomach condition - he'd been vomiting continuously for most of the day. All ended well albeit with a sizeable vet bill. Next came the attempt to claim. RAC were suggesting a pre-existing condition and wanted all kinds of irrelevant information??? Helloooo! The vet detailed a sudden onset - this is just an attempt to dodge a claim payout but here's the kicker - I have now (in writing) asked four times for an update and have not received a single response other than an auto generated "we'll get back to you". Not happy at all and now we are considering changing out our house policy ($1 mill) contents ($100k) and car ($85k) thinking RAC cannot be trusted.

Great Insurance for your pet – Very happy with our pet insurance which we've had for 7 yrs Show details

I spoke to your rep Mahdi this morning. He explained everything in detail and only now i understood the pet insurance cover. Due to his explaination i decided not to cancel the policy. Show details

Absolute junk insurance. They only pay out to a very narrow group of illnesses! If your Vet can't work out what is wrong, then Coles doesn't pay. Try cancelling your policy! I'm still trying!

I recently switched to Budget Direct to save on premiums, and just three weeks into my policy, I ended up with a weekend emergency vet visit. Budget… Read more

Direct processed and paid out their share remarkably fast with zero issues. Since then, I’ve also used the policy for routine care, and once again, the payout was quick and seamless.

Total claims have come to over $3,000 across these appointments, and the 80% coverage was reimbursed without friction or unnecessary delays. The online claims portal is incredibly user-friendly and easy to navigate.

They have done all the claim payments within a week which really relieved the financial burden. (I’ve made 3 claims, including routine care)

I’m very happy as a long time customer, and got the help I neededed, far more than I expected with a 3 months free cover for my girl Lucky to help me… Read more

out short term. Very appreciative and happy that Kogan also value my customer. Thankyou to all involved. A loyal customer. Lisa and Lucky

Due to separation the insurance needed to be changed into my ex partner’s name as he was going to be looking after the payments and the dog was… Read more

staying with him. Dog was staying in the same house since brought home in 2023. Same Elite cover insurance policy since the same time, same dog. When the name on the policy was changed we were told there was a 21 day stand down period. Why? Dog hasn’t changed, his home hasn’t changed only the person whose name was on the policy has. Very dissatisfied and disappointed at such a ridiculous clause.

Absolute worse experience dealing with RSPCA , NEVER again and wouldn’t recommend to anyone. You will never get your claim through , they only take money.