Aussie couple getting pet insurance for their dog and cat - Knose Pet Insurance

Award-winning† Pet Insurance in Australia

  • Award-winning† pet insurance with optional extra benefits
  • Pet care plans customised for vets and pet owners
  • We’re pet specialists. It’s all we do!
Get a Quote

Get your pet insurance quote in just 2 minutes.

“

It was a straight forward and easy experience. Completely non-stressful.

Rated 4.6 on ProductReview and Google Reviews as of February 2025

“

Very supportive and reply to emails promptly. Great value for money.

Rated 4.6 on ProductReview and Google Reviews as of February 2025

“

Knose have been amazing since day one. Such a fast turn around and always so easy and smooth. Thank you so much!

Rated 4.6 on ProductReview and Google Reviews as of February 2025

Why Insure with Knose?

Why Knose has no sub-limits

Because you deserve  simple, straightforward pet insurance coverage with no sub-limits to hold you back. With us, you know what you are covered for. Read more about sub-limits ↗ 

Your policy, your terms.

Secure up to $25,000 in coverage annually. Customise your options to perfectly suit your budget and pet’s needs.  Get a quote ↗ 

As easy as 1, 2, 3!

Claim processes are streamlined to ensure that most are settled within just 5 working days, making your experience swift and hassle-free. Get a quote ↗ 

Aussie pet owner filing pet insurance claims - Knose Pet Insurance

Your questions, our expertise.

Dedicated to providing you with top-tier service, we offer understanding and support when you need it most. Contact us ↗

Aussie customer service serving Aussie pet owners and customers - Knose Pet Insurance

Need assistance?

Day or night, our team of registered vet nurses are here to help. Our 24/7 service allows you to reach out via call or chat anytime, absolutely free! Check out our Pet Health Hotline  ↗

Woman calling the Knose 24/7 Pet Health Hotline

We are award-winning for a reason.

Knose Pet Insurance Awards 2025

Why Knose has no sub-limits

Because you deserve  simple, straightforward pet insurance coverage with no sub-limits to hold you back. With us, you know what you are covered for. Read more about sub-limits ↗ 

Your policy, your terms.

Secure up to $25,000 in coverage annually. Customise your options to perfectly suit your budget and pet’s needs.  Get a quote ↗ 

As easy as 1, 2, 3!

Claim processes are streamlined to ensure that most are settled within just 5 working days, making your experience swift and hassle-free. Get a quote ↗ 

Aussie pet owner filing pet insurance claims - Knose Pet Insurance

Your questions, our expertise.

Dedicated to providing you with top-tier service, we offer understanding and support when you need it most. Contact us ↗

Aussie customer service serving Aussie pet owners and customers - Knose Pet Insurance

Need assistance?

Day or night, our team of registered vet nurses are here to help. Our 24/7 service allows you to reach out via call or chat anytime, absolutely free! Check out our Pet Health Hotline  ↗

Woman calling the Knose 24/7 Pet Health Hotline

We are award-winning for a reason.

Knose Pet Insurance Awards 2025

Get a pet insurance quote with Knose in just 2 minutes and enjoy extensive coverage for your furry friend.

  • Add Optional Extra Benefits if you’d like to include cover for Dental Illness, Behavioural Conditions and Specialised Therapies.
  • Access to Pet Health Hotline
  • Cover for injury
  • Cover for illness
  • Cover for emergency boarding
  • Cover for chronic conditions

Exclusive Knose Promo for New Sign Ups

Take a quote now and get your first month FREE!

Get rates for your pet

1 MONTH FREE promo code applied!

Pet Insurance Guide – Key Considerations When Choosing a Plan

These information snippets help pet owners understand how different insurers compare and where Knose stands out.

Many insurers cover accidents and illnesses but may exclude dental, behavioural, or alternative treatments. Knose offers comprehensive coverage with optional add-ons like dental illness, behavioural conditions, and specialised therapies—so you can tailor your policy to your pet’s unique needs.

Learn more

Some insurers lock you into a fixed reimbursement percentage or lower annual caps. With Knose, you choose your benefit percentage (70%, 80%, or 90%) and annual limit (up to $25,000), ensuring flexibility based on your budget and risk comfort level.

Learn more about benefit percentage

All pet insurance policies come with exclusions, but Knose keeps it simple and transparent. Knose has a 1-day waiting period for accidental injuries, 14 days for illnesses, and 6 months for specified conditions, behavioural issues, and dental illnesses (14 days for pets under 1 year). Any condition that arises during these periods is considered pre-existing and won’t be covered. You can expand coverage with optional extras, such as dental illness, behavioural conditions, and specialised therapies.

Knose allows you to choose your excess level ($0, $100, or $200 annually), giving you control over how much you pay out-of-pocket before insurance kicks in. Unlike some insurers that charge per claim excesses, Knose applies excess annually—meaning you won’t be hit with repeated costs for ongoing conditions.

Some insurers impose treatment-specific caps, such as limits on vet consultations or physiotherapy sessions. Knose has no sub-limits on standard vet treatments, meaning your total annual benefit limit applies across all conditions and treatments.

Learn more

Many insurers impose sub-limits—caps on claim amounts—for treatments of specific conditions, including:

  • Cruciate Ligament Conditions: Injuries to the ligaments in the knee.
  • Tick Paralysis: A potentially fatal condition caused by tick bites.
  • Dental Illness: Issues related to oral health.
  • Hip Dysplasia: A genetic condition affecting the hip joints.

In contrast, Knose does not apply sub-limits to these conditions, allowing you to utilise your full annual benefit limit for any covered treatment.

Some insurers require paperwork-heavy claims that can take weeks to process. Knose provides a simple digital claims process, and most claims are processed within a few days. No need for excessive back-and-forth—just submit and let us handle the rest.

Learn more

Learn more

Insurance premiums increase as pets age, but the rate and frequency vary by insurer. Knose maintains a fair and predictable approach to premium adjustments, ensuring pet owners aren’t caught off guard by unexpected hikes.

Knose allows you to customise your policy by selecting a benefit percentage (70%, 80%, or 90%), an annual limit (up to $25,000), and optional extras like dental illness, behavioural conditions, and specialised therapies. This flexibility helps tailor coverage to your budget and your pet’s specific needs.

Limitations to Policy Changes

  • You cannot increase your annual limit after purchasing your policy; you can only decrease it.
  • The benefit percentage can only be increased at renewal, but you can decrease it at any time.
  • Optional extras can only be added when your pet is under 3 years old and cannot be removed later.
  • Adjustments to the annual excess (if selected) can only be made at renewal.
  • If you switch from another insurer, Knose may waive waiting periods for injury and illness, provided the coverage is equal or lesser, and your previous policy was active for at least 12 months.

Most Australian pet insurers don’t offer 24/7 vet support outside of an insurance policy. Knose stands out by making expert advice accessible to all pet owners—free for members and available to non-members for just $8.88/month with no lock-in contracts. Whether insured or not, pet owners can get professional vet advice anytime, anywhere.

Learn more

Extensive pet care coverage for your dogs and cats

Choose the best plan for your pet's needs

  labrador dog smiling and sitting on the grass - knose dog insurance

Dog & Puppy Insurance

  Cat resting on cat owner

Cat & Kitten Insurance

  Dog being checked at the local vet in Australia - Knose

Routine Care Plans

Pet insurance claims made easy

With over 104,000 claims processed and $34 million benefits paid, we’re proud to back Aussie pets when it matters most.

a miniature dachshund - Knose dog insurance cover

Lump removal surgery

1 year-old Miniature Daschund

Vet bill

$1,754

Claimed with Knose

$1,403

Domestic shorthair cat - Knose cat insurance claims

Chronic Kidney disease diagnosis and treatment

8 year-old Domestic Shorthair

Vet bill

$2,508

Claimed with Knose

$2,257

a golden retriever running in the park - knose dog insurance cover

Cruciate Ligament rupture surgery

3 year-old Golden Retriever

Vet bill

$4,838

Claimed with Knose

$4,264

6 month-old Birman cat - knose cat insurance claims

Vet consultation and medication for Gastroenteritis

6 month-old Birman

Vet bill

$142

Claimed with Knose

$114

a miniature poodle puppy sitting in the car - knose dog insurance claim

Atopy (Skin allergies)

3 year-old Miniature Poodle

Vet bill

$154

Claimed with Knose

$123

5 year-old Ragdoll cat - knose cat insurance claims

Specialist treatment for vomiting

5 year-old Ragdoll

Vet bill

$4,472

Claimed with Knose

$3,733

Photo of tamaruke dogs - knose dog insurance claims

Dental surgery for fractured tooth

4 year-old Tamaruke

Vet bill

$1,034

Claimed with Knose

$765

10-year old Russian Blue cat - knose cat insurance claims

Ultrasound and specialist costs for enlarged spleen diagnosis

10-year old Russian Blue

Vet bill

$1,560

Claimed with Knose

$1,061

a white great dane dog - knose dog insurance claims

Snake bite treatment

3 year-old Great Dane

Vet bill

$4,203

Claimed with Knose

$3,783

3 month-old Domestic Longhair Cat - knose cat insurance claims

Consultation and treatment for insect sting

3 month-old Domestic Longhair Cat

Vet bill

$179

Claimed with Knose

$161

What are Knose’s Exclusion (or Waiting) Periods?

Knose’s exclusion periods are generally shorter than many competitors, especially for illnesses which have a 14-day wait compared to the 30-day wait common with other brands.

 

Here’s a summary of Knose Pet Insurance’s exclusion periods:

Accidental Injuries

1-day
exclusion period*

Illnesses

14-day
exclusion period*

Dental Illness

(optional extra)
14-day
exclusion period♱

Behavioral Conditions

(optional extra)
6 months
exclusion period

*Unless classified as Specified Conditions. Specified Conditions require a 6-month exclusion period.
♱ The exclusion period is 14 days for younger pets and 6 months for pets over 1 year old.

Get a Quote

Trusted by Australian Pet Owners

Real testimonials from those who know best—the pet owners themselves.

Excellent 4.6 based on 782 Reviews

“

10/10 personalised service!

In January, we brought a puppy (Bella) into our lives – she is beautiful! Recently she had a few gastro issues and subsequent vet visits. Knose Pet Insurance has been awesome. They acknowledged the claims immediately, and then followed up with personal emails advising us of the progress of our claims. We even received a message asking after Bella and a follow up to say how pleased they were that Bella is now doing well. Top class personalized service and a thorough explanation of the claim refunds. 10/10 guys!

Bella, insured with dog insurance from Knose Pet Insurance
“

Quick refund process

Submitted a claim for the first time after 12 months of insurance and everything went smoothly. I received regular updates of the progress of my claim and the refund process was quick once the team had received all the information from the vet.

“

Affordable pet insurance with easy claims!

Knose has been a great choice for pet insurance. The premiums are relatively affordable, claims are super easy to make by just uploading vet invoices, and the 24 hour phoneline that connects you with a vet nurse is a brilliant feature.

“

Amazing claims service

We searched for quite sometime for pet insurance for our toy poodle puppy and we’re so glad we found Knose’s Dog Insurance. They have been amazing. I really appreciate how you can call them with any query you might have and speak to someone in Australia who is clear and concise. Easy to put a claim through and you’re emailed throughout until your claim has been paid. Thank you to everyone for the great service.

“

I recommend Knose’s Cat Insurance to fellow pet owners!

The last thing you want to worry about when you have a sick pet is the cost. Knose Pet Insurance gives me peace of mind knowing that we can get the care we need for our beloved Cat and our claim will be handled with ease and in a timely manner! I recommend Knose to all my pet owning friends and family. Thank you Knose!

“

Fast and friendly customer service

You are very easy to engage with, you keep me up to date with my claim and I love the way you always enquire after Harry my dog. Thank you

“

I love being insured with Knose

I’ve been insured with Knose since our Cavooodle was 8 weeks old and they’re consistently reliable and so easy to communicate with. The claim process is super simple which is one of them any things I love about being insured with Knose.

Discover our story

Our purpose is to make Australian pets the healthiest and happiest in the world.

Knose Founders - CEO Tiaan Dreyer & COO Nathan Harris
  • Pet care should be simple, easy and convenient.
  • Prevention is better than cure, but understand accidents and illness do happen.
  • Everyone should have access to, and be able to afford great pet care.
  • In the power and importance of local independent veterinary clinics.
  • Every customer, vet, pet owner and supplier should be treated with care and respect.

Read more about our story

Knose Pet Insurance Awards 2025

Rated 4.6 on ProductReview and Google Reviews as of February 2025

Pet Insurance Resources

  Male pet owner working with his dog

Knose Pet Insurance Explained

Why pet insurance is important How to compare pet insurance plans How to settle a claim How to manage veterinary costs Puppy Handbook for Pet Owners Pet Insurance FAQs View All Resources

Frequently Asked Questions

Pet insurance helps cover unexpected vet bills, so you can focus on giving your pet the care they need. With Knose, you can pay a monthly premium, and if your pet needs vet care due to an illness or accident, we reimburse a portion of the costs. It’s a straightforward way to manage unexpected expenses and get peace of mind.


Learn more about pet insurance.

The best pet insurance is the one that meets your pet’s unique needs. Look at factors like the annual limit, benefit percentage, optional extras (like dental or behavioural cover), and any exclusions. Make sure to compare pet insurance plans wisely. At Knose, we offer customisable options to give you cover that suits you and your pet.

Yes, we can! Dental illness cover is available as an optional extra. It covers treatment for dental diseases affecting your pet’s teeth and gums but doesn’t include routine cleanings unless needed to treat a covered dental illness.

Yes, but only if you choose the optional extra for behavioural conditions during your application. This covers treatment costs for things like anxiety, excessive licking, and other behavioural disorders, helping your pet get the support they need.

Making a claim is a breeze. Log in to your Knose account and submit your claim online with a copy of the vet invoice. Your vet can also email the invoice to claims@knose.com.au. We might need a bit more info, like your pet’s medical history, to process your claim, and in that case, we can reach out to your vet directly.

Most claims are processed within five (5) business days once we have all the necessary information and documents. We like to keep things moving quickly so you can focus on your pet.

Insurer looks at several factors, including your pet’s species, breed, age, location, and our claims experience. As your pet ages or as vet costs rise, your premium may change.

What does Knose Pet Insurance cover?

We’ve got your back for accidents, injuries, illnesses, and even essential euthanasia. You can also add optional extras like dental illness, behavioural conditions, and specialised therapies to suit your pet’s unique needs.

Check our full cover ↗

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Tidbits on Pets, Life and Insurance

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Knose Pet Insurance Awards 2025

20 Excellence awards† and counting

Guarding your pet’s well-being with proven excellence as one of the most awarded pet insurance in Australia.

A brown dog is holding a brown envelope in its mouth.

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