Flexible pet insurance cover that puts your needs first

  • No tiers – just flexible choices tailored to your pet
  • Award-winning pet insurance with optional extra benefits
  • No sub-limits. ever
Get a Quote Request a Call

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

One Policy. Maximum Flexibility.

Most pet insurers offer fixed Basic, Standard or Premium tiers with a whole lot of restrictions. Knose offers something better: a single policy with all the benefits of a Premium for the price of a Basic – and fully customisable.

Feature

Knose Pet Insurance

Other Pet Insurance

Policy Customisation

A single policy that’s fully customisable according to you and your pets’ needs.

Some offer flexibility, but most limit you to policy tiers (ex: basic, standard, premium or accident-only and premium).

Annual Cover Limit

Offers up to $25,000 in annual cover.

Most offer $10K–$20K. Some go up to $30K, but only on top-tier plans.

Benefit Percentage

Claim back up to 90% on eligible vet bills for all policies.

Most insurers cap at 70–80%. 90%-100% is rare and usually limited to premium plans.

Annual Excess

Choose your excess level ($0, $100, or $200 annually).

Options range from $0 to $500 depending on the policy tier.

Sub-Limits

No sub-limits — full annual limit applies to any covered condition.

Most apply sub-limits (e.g. $1,000 for tick paralysis, $2,600 for cruciate surgery). Only a few high-tier plans now waive them.

Chronic Condition Cover

Optional cover for arthritis, diabetes, epilepsy, and other chronic conditions.

Many cover chronic conditions, but often with sub-limits, exclusions, or reduced long-term support.

Dental, Behaviour & Alternative Therapies

Optional cover for dental illness, behavioural issues, and complementary therapies.

Rarely included. Some offer limited cover via expensive add-ons or cap claims (e.g. $2,000).

Get a Quote

Get a pet insurance quote in under 2 minutes.

Transparent Pet Insurance Cover You Can Trust

We don’t hide behind fine print—just clear info on what’s included, what’s not, and when you’re protected.

What we cover

🩹 Accidents

Coverage for unexpected injuries and emergencies:

  • Snake bite toxicity
  • Motor vehicle incidents
  • Lacerations or abrasion injuries
  • Burns
  • Fractures
  • Bite wounds
  • Allergic reactions to insect bites (excluding fleas/ticks)

🛠️ Optional Benefits

Customise your cover with additional benefits:

  • Dental Illness Cover
  • Behavioural Conditions
  • Alternative Therapies

🦠 Illnesses

Support for diagnosing and treating a wide range of health conditions:

  • Cancer treatment
  • Skin allergies and infections
  • Eye, ear, and throat conditions
  • Gastrointestinal problems
  • Hereditary and congenital conditions (with a 6-month waiting period unless waived)
  • Diabetes and hormonal disorders
  • Arthritis and joint disease
  • Urinary tract infections
  • Seizures and neurological conditions
  • Kidney and liver disease

🩺 Vet Treatments

Coverage for eligible care provided by licensed vets:

  • Vet consultations
  • Hospitalisation
  • Surgery
  • Specialist vet referrals
  • Diagnostic tests
  • Prescription medications
  • Euthanasia
  • Vet treatment overseas
See the full Coverage

What we don’t cover

Knose Pet Insurance covers what most providers don’t, but it’s important to understand what’s not covered in your policy.

❌ Pre-existing symptoms and conditions

Any signs, symptoms, or conditions that were present before your pet’s cover started or during applicable exclusion periods are not covered—even if not formally diagnosed yet.

❌ Preventive and routine items

Items like vaccinations, flea/tick/worming treatments, regular check-ups, and dental cleaning not related to illness/injury are excluded.

❌ Brachycephalic Obstruction Airway Syndrome

BOAS and its related treatments are generally excluded, especially when they relate to anatomical conformation typical of flat-faced breeds.

❌ Desexing

Desexing (spaying or neutering) is not covered. However, additional vet costs for treating complex cryptorchid (undescended testicles) are covered, minus the cost of routine neutering.

❌ Overseas Vet Costs

Covers vet costs for illness or injury (excluding dental and behavioural conditions) while in New Zealand or Norfolk Island for up to 60 days.

❌ Emergency Pet Boarding

Covers boarding costs if you’re hospitalised for 4+ consecutive days and no one else at home can care for your pet, for up to 30 days.

❌ Your actions including pet care

No cover for illness or injury caused by neglect, not following vet advice, lack of vaccination, or issues during transport by a third party.

❌ Certain treatment

No cover for elective, cosmetic, breeding-related, or experimental treatments. Alternative therapies aren’t covered unless added as an optional extra.

❌ Certain vet costs

Vet costs aren’t covered if they relate to non-emergency after-hours visits, house calls, unapproved medications, or expenses after your pet’s death.

❌ Other general exclusions

Your policy won’t cover treatment costs resulting from pandemics, epidemics, war, nuclear incidents, or natural disasters. Additionally, any illness or injury that happens during an exclusion (waiting) period is not eligible for cover.

Routine Pet Care That Helps Prevent Emergencies

Add extra peace of mind with a Knose Pet Care Plan – a separate, optional add-on that complements your pet’s insurance.

What’s included in a Knose Pet Care Plan?

  • Home-delivered parasite protection
  • Allowance for yearly vaccinations & check-ups
  • Unlimited 24/7 access to Pet Health Hotline
  • Exclusive member benefits: discounts, special
    offers, and more!

Already insured? Pet Care Plans are optional and don’t require a Knose policy. Routine care matters just as much as protection.

Find the Perfect Plan for your Pet

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

Pet insurance claims made easy

Here to answer every call, meow, and woof.

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 RagdollHospital with fluids and specialist treatment for vomiting

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

Pet Insurance That Grows With Your Pets

Knose provides cover for dogs and cats of all stages, from 6-week-old to their senior years, ensuring they’re protected throughout their lives.

Eligibility & Age Limits

  • Dogs and cats must be between 6 weeks and under 9 years old at signup
  • Pets must reside in Australia
  • Dangerous or banned breeds
    cannot be covered
  • No cover for working or sporting pets (e.g. guard dogs, racers)
  • Once insured, you can keep renewing for life—no upper age cap

Why Choose Knose?

  • Customisable Plans – Choose your cover level, benefit percentage, and excess to suit your budget.
  • No Sub-limits on Vet Bills – We don’t cap individual treatment costs within your annual limit.
  • Fast, Easy Claims – Submit claims online and get reimbursed quickly.
  • 24/7 Pet Health Advice – Get free, unlimited access to expert support anytime, anywhere.

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!

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.

Pet Insurance Resources

  Male pet owner working with his dog

Knose Pet Insurance Explained

Understanding Pre-Existing Symptoms and Conditions How to compare pet insurance plans How to settle a claim How to manage veterinary costs Product Disclosure Statement View All Resources

Frequently Asked Questions

Knose Pet Insurance covers spinal issues, such as intervertebral disc disease (IVDD), provided they are not pre-existing and fall outside any applicable exclusion periods. Specified conditions like spinal issues may also have extended exclusion periods. Refer to your Certificate of Insurance for specific coverage details.

Knose may cover eye conditions or eye surgery for your pets if they result from an accident or illness, provided the condition is not pre-existing and any applicable exclusion periods have passed. Specific conditions, such as cherry eye, entropion, and ectropion are classified as “specified conditions” and may require additional considerations during the policy application process.

No, routine and preventative care like vaccinations, check-ups, and grooming aren’t covered. We focus on helping with the unexpected, so our insurance provides support when your pet needs medical care due to an illness or injury.

No, we don’t cover desexing, grooming, or training services as these are considered routine and elective care. Our pet insurance for dogs and cats is designed to step in when unexpected accidents or illnesses occur, giving you peace of mind when it matters most.

Some pre-existing symptoms and conditions may be considered cured and could be reassessed for coverage after a certain period. We’ll look at your pet’s medical history and any new developments to see if they can be included in your cover. Just get in touch with us for an assessment, and we’ll help you navigate the process.

Some pre-existing symptoms and conditions may be reviewed and potentially covered down the line. We’ll let you know which conditions can be reassessed, the earliest date for a review, and any information we’ll need. If a condition isn’t reviewable, it will stay excluded.

How do I choose the best pet insurance cover for my pet?

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.

View all FAQs

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