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2Knose

Knose

 Verifiedknose.com.au
2Knose
4.7

751 reviews

Positive vs Negative
93%7%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.7
Customer Service
4.7
Value for Money
4.5

 AI reviews summary 

Knose pet insurance is highly regarded for its efficient and empathetic service, with many customers noting rapid claim processing that often concludes within 24 hours to a few days. The digital portal and app are frequently cited as user-friendly, and the customer support team is praised for showing genuine care for pets' well-being. However, a segment of long-term policyholders has reported significant frustration regarding steep premium increases as pets age, alongside occasional technical bugs during portal transitions.

Pros
Rapid Claim Turnaround: Many claims are processed and paid out within 24 to 48 hours, providing quick financial relief during stressful periods.
User-Friendly Digital Tools: The online portal and mobile app are generally praised for making the invoice upload and submission process seamless and straightforward.
Empathetic Customer Support: Staff are frequently described as professional, kind, and genuinely concerned about the health outcomes of the pets being insured.
Proactive Communication: The company provides regular status updates via email, keeping owners informed as they collect clinical notes from veterinary clinics.
Cons
Age-Related Premium Hikes: Multiple long-term users reported premiums doubling or tripling as their pets reached senior years, leading to claims of being "trapped" due to pre-existing conditions.
Portal Technical Issues: Some users experienced significant bugs, login errors, and "roadblocks" specifically related to a transition between old and new system versions.
Lack of Direct Vet Billing: Unlike some competitors, Knose generally requires owners to pay the full vet bill upfront and seek reimbursement rather than offering "gap-only" payments.
Delayed Support Responses: While many find the service fast, a minority of reviewers highlighted instances of being "ghosted" or waiting weeks for email responses on complex claims.
Verdict

Knose is an excellent choice for pet owners seeking a technologically modern insurer with high-speed reimbursements and compassionate service. However, prospective customers should be prepared for potentially sharp premium increases as their pets age, which may impact long-term affordability.

751 reviews
5 Julie B  · Very happy with the cover provided by Knose Pet Insurance
5 Sharney  · Excellent to deal with and no problems great communication Prompt payment
5 Sumona  · The claim for every issue is handled professionally and amicably.
5 Elizabeth  · Comprehensive cover, well priced, simple claim process, responsive and fast approval and payment of claims.
5 Barbara and  · Staff were very good and helpful and fast for my claim
5 Bec R.  · Very impressed with the speed and the amount of money back
TeA
TeAVIC2 posts
 

This insurance company has a poorly written PDS which allows to much room for interpretation. Further they have now more than doubled the insurance premium twice now in 5 years. Avoid at all costs

Knose Pet Insurance
Knose Pet Insurance    

Hi, thank you for your feedback and we're… Read more

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Lee
LeeNSW2 posts
 

I cannot fault the service and attention I have received in all my dealings with Knose. The team respond quickly to questions and all of my claims have been resolved in a matter of days. Pet insurance is expensive but the alternative even more so. In my experience over the last 5 years, Knose are extremely efficient, the team are knowledgeable and above all, courteous and friendly. I'm happy to have chosen them. Show reply

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Craig D
Craig DWA
 

We have been Knose insurance customers since we first got our puppy, Bella - coming up nearly three years now. Our policy was easy to set up and our vet was able to add all necessary information quickly. Above all, whenever we have had to make a claim it has been easy to do online on my phone. Uploading documents has been simple and quick and… Read more ·  1

identifying the claim issue just as simple too. Our claims have been reviewed and usually paid out within 24-48 hours. Amazing! We moved our cat, Elsa, to Knose at the same time. We have never looked back. They are terrific!

Reviews with attachments

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Erick
ErickNSW4 posts
 

I’ve been with Knose for about 9 months, ever since we brought home Ruby, our little Cavoodle. We’ve made two claims so far, and both were accepted without any issues. Our experience has been very positive, and I hope it stays that way! Show details ·  1

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Joanne L
Joanne LVIC
  Fair Incentive

Since Sunny joined our family, he has had a few minor health issues. We are very grateful that Knose was able to reimburse our claims quickly. Their customer service team has been wonderful — friendly, caring, and always willing to help. Knose truly helped us when we needed it most. Thank you so much! Show reply

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Kardina Gilbert
Kardina GilbertQLD6 posts
 

I could not be more happy about KNOSE pet insurance. They are great at communication, timely with payment, and a genuine care for the pets. Highly recommend! Show 2 replies

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Sam
SamWA5 posts
  Verified

Knose is an amazing insurance company I had a very tragic case with my 10 month old puppy Not only did they quickly handle things , they genuinely cared about my dog and myself. When I called to follow up with a few things not only did the staff immediately remember myself , she said she had been wondering how Crowley was going. Such a small… Read more ·  1

thing meant so much to me No at this time they don’t have gap pay but they’re so helpful and worked with me in my very stressful time Each customer service, claim, and manager I dealt with went above and beyond My old girl is now going to be with them and they’ve now got a life long customer

I can’t thank knose enough for the support and professionalism they carry. I will always recommend them to anyone And any fur doggie in my life I know will be so well taken of

From my family to Knose team Thankyou for everything

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Julie V.
Julie V.QLD2 posts
  Verified

Our Cavalier Charlie, has had to have two rounds of surgery recently. Our claims were approved with no hassles and paid promptly. The staff are always supportive and friendly and show a very caring nature in regard to Charlie. This caring attitude makes it more personal for us. Very happy with Knose. Show details ·  1

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Eliza
ElizaTAS
 

Knose have always been excellent with claims for my dog Nova! Show details ·  1

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Catherine B.
Catherine B.2 posts
 

It was a rough start but the team needed the history of the kitten which made sense it was difficult relying on the vet to ensure knose was updated and I didn't know where things were at on our 1st claim BUT now with knose having a record and history of my kittens claiming with them is so easy! My boy Cheeto is always getting into trouble and had… Read more ·  1

a few vet visits to say the least but knose are so quick and understanding of how kittens are and file my claims straight away been so amazing thank you so much team

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Phillip
PhillipVIC8 posts
  Verified

Amazing service and communication was outstanding. Submitting the claim was super easy aswell. I so happy we decided to go with Knose for peace of mind. Show details ·  1

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APRIL MATTERS-SMITH
APRIL MATTERS-SMITHSA3 posts
 

Pre-approval completed in less than a day, allowing me to have my insurance pay my vet directly for unexpected vet costs when my cat broke his leg. Show details ·  1

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Linda W.
Linda W.QLD
  Verified

Our beautiful little baby dachshund seems to love eating everything but the food we put in her bowl! We have had 2 trips to emergency vet in her first 6 months of life and Knose has been there for us both times. Considering we are new clients and her first stint was at 3 months I am overwhelmed with their support and coverage. It was such an… Read more ·  1

easy process to claim and such a relief to know we could fix our little girl without financial burden. I don't know if we could have afforded to help her the second time if it wasn't for Knose. We are for ever grateful and will be lifetime supporters. Thank you Knose for saving our little baby.

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Janeane S.
Janeane S.NSW4 posts
 

Knose pet insurance is the best!! You receive up to 90% back, of the money you've paid out, it's a win win!! They are always very fast in their reimbursements and they send you step by step updates!! Highly recommend!!! Show details ·  1

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Horacio L.
Horacio L.VIC
  Verified

Like always a fast and efficient service. Thank you Knose. Show details ·  1

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Gary
GarySouth Australia
 

My Labrador Wink who is nine years old was recently diagnosed with leukaemia, She didn’t really show many symptoms and my vet picked it up at a yearly health check. I have had to make quite a few claims for blood test, MRI scans, and medications over the past weeks. The couple of times I have had to ring Knose the staff have been kind caring and… Read more ·  1

attentive, my claims have been sorted and paid promptly, couldn’t ask for a better service. As for Wink she is getting a better blood count and I hope I can get a bit more time with her, hate to think of my life without her. I have been with Knose for four years now and they have been outstanding. Like all insurances it helps in a crisis, at least now I can afford to provide my girl with the help she needs.

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GinaG
GinaGNSW2 posts
  Verified

Knose Insurance is easy to communicate with. we have our two cats insured with them and they are definitely the best pet insurer we have used before. Show details ·  2

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Stuart
Stuart9 posts
 

I have been very happy with the level said service and support from Knose. They are very reasonable with their response time and payment of your claim. Knose are accessible by phone and their staff are always helpful. Knose provides a fantastic service to pet owners. The policy has great cover and a reasonable price. Show details ·  1

Latest follow-ups

carolyn demaine__
carolyn demaine__
 

Long term customer and have made a number of claims which is very easy to do. Service in every instance has been quick, efficient and excellent (usually withe the claim paid within hours even on a weekend) The staff are very friendly and helpful and… Read more ·  1

their genuine interest and concern for my pet is obvious. Can’t recommend them highly enough and the costs are very competitive!

 Follow-up  · Knose are very responsive and friendly, the product is excellent and pricing is very competetive. Claime have always been completed and paid within hours of submission. Thoroughly recommend Knose

PaulJames
PaulJamesNSW7 posts
  Verified

This coy. has the most clunky claims process imaginable. After 1 successful claim through their so-called Pet Portal said Portal now refuses to accept any claims docs. After my vet submitted invoice & paid receipt, I was told not to use the generic… Read more

claims address of "claims@knose...." When I did use their Portal nil action therein for 11 days till I rang to complain. Had sent all vet notes with the paid invoices but same got "lost" in their wonderful Portal as "file was too Big" ! Truly Amateur Hour ! I dumped the awful Pet Insurance Aust & the Filipino run Bow Wow Insurance for this lot but BIG problems here with alleged "new" and "old" Portals running simulataneously.

 Follow-up  · I am told new portal to be operational by November. Not sure why it takes so long in this age. They sent me a supposed link to the new but means I have to dump my standard password & creat yet another.Haven't bothered using it.

Knose Pet Insurance
Knose Pet Insurance    

Hi Paul, thank you for sharing this and we… Read more

Ian
Ian2 posts
 

We had a genuine issue with our 15 month old Golden which resulted in a significant vet bill. Knose process for claiming was simple, their correspondence was excellent and the result and refund was exactly as advertised. We would recommend them to anyone. Show details ·  1

 Follow-up  · Q1 - What was the issue. She stopped eating, stopped pooping, stopped drinking, looked to be in pain. We feared an intestinal blockage. It wasn't fortunately, it was a gastric bug of some sort. Probably ate a lizard or something. But still we had to go through the process of ultrasounds and overnight stays, on a Sunday of course, so SASH is the… Read more

Find out how Knose compares to other Pet Insurance

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In-depth reviews

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paulburic
paulburic2 posts
 

Please read this review to make an informed choice about Knose Insurance. Their conduct in unconscionable which only becomes evident as your dog becomes older or you need to make claims. Ihave insured my two dogs with Knose for some years now. They are both Griffons, one is five years old and the other just turned 10 years old. The older Griffon… Read more

has had a number of claims over the years totalling $6012.88 as advised by Knose for various issues of which $2992 was incurred in the last policy period. I have just received my policy premiums for each dog. The younger dogs premium increased from $92 per month to $100. The older dogs premium increased from $146 to $284! Now here is why I believe Knose is deceitful. When I queried why the premium for the older dog had nearly doubled I was advised both verbally and later in writing that it was due to a number of factors including age, breed, location, claims history, veterinary cost inflation and claims experience for similar pets. I queried Knose Insurance about why when did my younger dogs premium increased by only $8 when they are the same breed, go to the same vet and live in the same location? The only difference was age and claim history. When I asked whether doubling the renewal cost was a strategy by Knose to discourage older dogs having their annual policy renewed, they denied this. Knose don’t tell you when your dog is young that premiums jump significantly as they get older or your pet needs medical support. That is only revealed come policy renewal time. If it wasn’t for the fact that I had a younger and healthy same breed dog, o would have fallen for their deceitful reasons. The facts are absolutely clear that Knose Insurance want to reduce risk and old age and claims history is identifiable risk which data they use to adjust your premium to a level that discourages you from renewing your policy. There are similar stories to mine in other online reviews. Please do your research and make an informed decision because the pet insurance industry is not what it leads you to believe. They simply do not care about your ageing pet.

Knose Pet Insurance
Knose Pet Insurance    

Hi Paul, We hear you - a large premium… Read more (+2 replies)

Rettie C
Rettie C
 

Honestly have had great experiences with these guys. There is sometimes a bit of a wait between the claim and the payment, but they're quite communicative about it and give updates when the claim has started to be processed etc. I have two dogs - one of them has had various issues and surgeries and she has never once been knocked back for a claim… Read more ·  1

(aside from when I've mistakenly tried to claim for a consultation or vaccination, which they are not covered for - fair, imo). They also have left little notes on the claims that make it clear that there is a real person reading them - the latest one, which prompted me to leave this review, was on a claim for my dog's second TPLO surgery, (effectively, "poor girl, her other leg! hope she's feeling better"). It's a tiny thing but it makes me feel better to know that there is a real person involved there.

I've never had issues getting money off of them and have never been asked for any additional justification or documentation. The lack of gap pay is a bit annoying but my vet puts the claim through directly to them for me (apparently they have a good relationship with each other) and it's very hassle-free on my end.

I chose this provider after a bunch of research because it was one of the only ones that was not (at the time) owned by one of the other ones. I'm covered for 80%, not including dental. It's a good plan and I appreciate that the exclusions are so easy to understand. I've been with them for ~3 years now.

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paddy and janet
paddy and janetVIC
  Verified

i have a german shepherd dog and we took out the 90% coverage policy nearly 3 years ago when he was about 5 months old. my dog had come with a 2 month 'free' insurance policy from another company, putting the idea of insurance into our heads so that when it ended, we decided to look for a company people trusted and were prepared to talk about. … Read more ·  1

i read a lot of reviews and terms and personal anecdotes of pet insurers before i settled on Knose. we didn't have to use it for a few years and the price rose a little over those years, but in a fairly reasonable way. at times we wondered if it really was something we needed, then spud needed veterinary care. the veterinary care was in the thousands of dollars and is still ongoing at this time. it took a bit longer than we expected to hear back from our first claim, and that turned out to be because the vets we had gone to, who had done his shots and check ups, in a small country town, didn't reply very quickly ,or at all, to knose's requests for information. once we spoke to knose it progressed at a perfectly reasonable speed. and all claims since have ranged between a week and a few weeks. one bit of one bill didn't fall within the policy coverage, and honestly, we understood that when we thought about it. the representatives we have dealt with have been kind, thoughtful and supportive and i have no complaints about a single one of them. i have left writing a review for months now because its hard to write a review before you really see how the company, or product, works for you. so i now i know how our claims for spuds treatment unfolded, and if you've decided to get pet insurance, then i really can recommend Knose based on my wife and my personal experiences.

Recent reviews

Trace
TraceQLD9 posts
 

I have been with Knose for 18mths. It was easy to set up, affordable and you get to speak to friendly staff. I recently put my first claim in for my dog's accident and the process was very easy to do. The approval and payment of my first claim took a little longer than I had hoped, but I did get paid and my other claims were much quicker. I highly recommend Knose. Show reply

KymD
KymDVictoria7 posts
 

The process was quick and simple and had money in my account very promptly. Biggest frustration is I cannot do it at the Vet because you are not one of their listed companies. Be great if that changed. Show reply

Keeley
Keeley6 posts
 

My puppy had surgery on her leg and had to have implants put in six months later she had to have them removed Knose we’re very supportive and made easy to make claims and always responded to me via email. I even had a phone call with them just to clarify what was covered. The girl was very kind and helpful and explained everything to me. I have… Read more ·  1

had all claims paid into my bank account without any trouble at all. It is easy to claim and takes a couple of minutes and it’s done. I would definitely recommend.Knose to ensure my pet. I have made several claims to Knose I’m only going to review once so this review covers all the shows I have claimed on my insurance policy. My pet is very happy as I always inquire how she is and hope she’s getting better.

Rachael
Rachael
 

My partner and I were just talking about how thankful we are that we chose Knose for pet insurance for our dog. The claim submission is easy, the processing and reimbursements are quick, and the coverage is excellent. I would highly recommend Knose to anyone with a pet! Show reply

riyan
riyanNSW3 posts
 

They act and believe in what they say.... prompt, swift and communicative in every way, I have been with them for a while, not a single time I was delayed. really amazing team knose..... Show details ·  1

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