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Frequently Asked Questions

Knose Pet Insurance

General FAQs

It’s common for cats and dogs to require veterinary attention at some point in their lives, and the severity and cost of such care can be unpredictable. Our pet insurance is designed to provide extensive coverage for unexpected injuries and illnesses your pet may face. We offer extensive plans that encompass dog insurance and cat insurance, catering to pets living with you in Australia. We prioritise your pet’s well-being and don’t impose sub-limits, ensuring they have access to veterinary treatment whenever they need it most.

Learn more about Knose Pet Insurance.

We provide coverage for companion cats and dogs residing with you in Australia. We focus exclusively on these types of pets, so it’s important to note that we do not cover any other type of animals. Additionally, certain breeds are considered dangerous or banned in Australia, and we don’t provide coverage for such breeds. If your pet’s breed falls under this category after purchasing or renewing the policy, they will no longer be eligible, and we will send you a notice of non-renewal before the expiration of your current Period of Insurance.

Moreover, cats and dogs engaged in commercial or sporting activities, such as breeding, working, fighting, racing, personal protection, gun sports, law enforcement, or guarding, are not eligible for coverage. However, there are exceptions, and we do provide cover for pets engaged in specific activities like show dogs/cats, search and rescue dogs, guide dogs, assistance dogs, or customs sniffer dogs.

Check if your pet is eligible here.

With Knose Pet Insurance, you get the advantage of Lifetime Cover, which means there are no age limits once you have insurance. 

However, there are specific age criteria for starting the insurance policy. When purchasing a new Policy, the minimum age for entry is 6 weeks old and the maximum age for entry is 8 years and 364 days old. 

Check if your pet is eligible here.

We offer extensive coverage and a range of benefits to protect your beloved dog or cat

Our policies cover veterinary costs for injuries and illnesses, providing financial support when your pet needs medical attention the most. Additionally, our coverage includes essential euthanasia costs, and veterinary expenses for overseas trips of up to sixty (60) days in New Zealand or Norfolk Island. 

We also offer optional extra benefits, such as coverage for Dental Illness, Behavioural Conditions, and Specialised Therapies. 

With us, you also get free 24/7 access to Pet Health Hotline, where you can receive expert advice and guidance on your pet’s health, behaviour, training, and nutrition concerns.

Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions and definitions.

Learn more about our pet insurance cover.

At Knose, we are dedicated to providing straightforward and accessible pet insurance options for both dogs and cats. Our goal is to keep Knose Pet Insurance simple and flexible to suit your unique needs.

You can choose from various Annual Limits of $7,500, $12,500, or $25,000, and Benefit Percentages of 70%, 80%, or 90%. Additionally, we offer three Annual Excess options, namely $200, $100, or $0. With Knose, you won’t encounter any sub-limits, ensuring extensive coverage for your furry companions without unnecessary complications.

During the application process you will be provided with the option to include optional extra benefits and extend cover for some conditions and treatments not otherwise covered under the Policy.

Optional extra benefits include:

  • Vet Costs for Dental Illness such as dental diseases, gingivitis, periodontal disease.
  • Vet Costs for Behavioural Conditions such as Dietary indiscretion, excessive licking, fur pulling, pacing and destructive chewing, anxiety, aggression and obsessive Behavioural disorders.
  • Vet Costs for Alternative Therapies such as acupuncture, physiotherapy, hydrotherapy. 

Please note that optional extra benefits do not include cover for general dental check-up and clean, and Specialised Therapies does not include routine or elective treatments or supplements.  

Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording for details of what is covered and what is not.

Typically, we aim to settle your claim directly with you. This means that we will send you the reimbursement for the eligible expenses. However, if you prefer us to pay the vet or another service provider directly, we can do so if they are part of our preferred network or at our discretion. After settling your claim, we will provide you with a detailed correspondence outlining the resolution. It’s important to note that in some cases, we may deduct any outstanding amounts you owe us from the reimbursement.

Read more about the claims process.

For a quick and convenient pet insurance quote, you can visit the quick quote page. 

Alternatively, you can call us on 1300 356 642, or if you prefer, reach out to our friendly team through our web chat.

Your Policy includes Exclusion Periods, which are specified on your Certificate of Insurance. The coverage provided by your Policy becomes effective only after the completion of any applicable Exclusion Period. Various Exclusion Periods are applicable to different aspects, such as Injury, Illness, Dental Illness, Behavioral Conditions, and Specified Conditions.

Exclusion Periods apply to certain benefits available under the Policy. Cover is only available after the Exclusion Periods has elapsed.

  1. Accidental Injury (except Specified Conditions) 1 day
  2. Illness (except Specified Conditions) 14 days
  3. Optional Dental Illness 14 days – pets under 1 year old or

6 months – pets 1 year old or over

  1. Optional Behavioural Conditions 6 months
  2. Specified Conditions 6 months

If any Injury, Illness, Dental Illness, Behavioral Condition, or Specified Condition, including undiagnosed symptoms, occurs before the Exclusion Period finishes, it will be considered a Pre-existing Symptom and Condition. As a result, no benefits are payable for Veterinary Costs related to the Treatment of an Accident-related Injury or Illness, including Behavioral Conditions and Dental Illness, that occurs before the Exclusion Period concludes. Furthermore, if you agree to an increase in your coverage, a new Exclusion Period will apply from the effective date of the increase. 

Certain conditions, regardless of whether they are an Injury or an Illness, have longer Exclusion Periods, and these are known as Specified Conditions.

Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions and definitions.

You may ask us to waive the Exclusion Periods for some or all the Specified Conditions, and other Conditions (e.g. Dental Illness).  When you take out a policy, we will provide an Application Form to apply for a reduction of Exclusion Period(s) for You and Your vet to complete. Specified Conditions are cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.

If you wish to reduce the Exclusion Period for Specified Conditions and Dental Illness, you can do so by submitting an application form

For us to consider this request, you will need to have your pet examined by a veterinarian at your own expense. Additionally, we will require your pet’s medical history, and you may be reasonably required to provide details of any past veterinary visits. Once approved, we will issue an updated Certificate of Insurance, listing any conditions for which we have agreed to reduce the Exclusion Period.

We provide cover for treatment provided by registered veterinarian, veterinary specialist, animal hospital, animal clinic or animal surgery licensed in Australia (‘Vet’).

Your policy will also provide cover for your pet if you travel overseas to New Zealand or Norfolk Island for a trip of not more than sixty (60) days. Read more about it on Section 5 of the Product Disclosure Statement. So, you can have peace of mind knowing that your pet’s health is protected even during your short trips abroad to these specified destinations.

While there are numerous factors involved in determining the premium levels, a pet’s age plays an important part. Like humans, as pets age, the likelihood of them falling ill increases and the cost of veterinary procedures generally also increases. This means that the Premium is likely to increase each year to make sure we can keep helping with your pet’s veterinary costs.

This is a general guide only, and future premium levels can also be impacted by other factors including, but not limited to, a pet’s breed and general increase in the cost of veterinary treatment over time. 

As a pet owner, it’s important to have the freedom to choose the veterinarian or specialist that you trust the most for your pet’s healthcare needs. With Knose, you have the flexibility to select any licensed veterinary professional, giving you the peace of mind that your pet is receiving the highest quality of care.

Vet means a registered veterinarian, veterinary specialist, animal hospital, animal clinic or animal surgery licensed in Australia (or in New Zealand or Norfolk Island in respect of cover under Section 5: Vet Costs – Overseas).

During the application process You will be provided with various options to tailor Your coverage, You can choose:

  • Your Annual Limit.
  • What proportion of Vet Costs You would like reimbursed.
  • Whether or not you’d like to include an Annual Excess and the level of Annual Excess.
  • To include optional extra benefits.
  • After you’ve purchased your Policy online, you may also call to arrange to exclude cover for Vet Consultations. This may be useful if you also have a Pet Care Plan issued by your vet which includes consultations.  

We are pleased to inform you that we can waive the waiting periods for injury and illness if you choose to take a policy with us that is either of equal or lesser coverage compared to your previous provider.

To qualify for this waiver, you must be transferred to our insurance company without any gaps in coverage, and your previous policy must have been active for a minimum of 12 months. We will need proof of your previous Certificate of Insurance to ensure the seamless continuation of your coverage.

Please note that certain specified conditions exclusion periods will not be met/reduced unless you complete the relevant reduction waiver.


When unexpected medical expenses arise, our claims process is designed to make it easy for you to receive timely reimbursements. 

To submit a claim, simply complete and submit it through our secure online claim portal. Alternatively you or your vet can initiate your claim simply by emailing your invoice and the clinical notes to

Most claims are assessed within five (5) business days from receiving all necessary information.

To calculate the benefit, we start by deducting any outstanding Annual Excess from the approved Vet Costs. Then, we pay the agreed Benefit Percentage of the remaining amount, up to the Annual Limit. The Annual Limit represents the maximum amount we will reimburse for each pet during a specific Period of Insurance.

For instance, suppose your approved Vet Costs amount to $1,000, your Annual Excess is $100, and your Benefit Percentage is 80%. In this scenario, you would be eligible for a benefit of $720 ($1,000 – $100 = $900, then $900 x 80% = $720). You will still have $24,280 of your Annual Limit available for any future claims related to Vet Costs during the same Period of Insurance. Future claims within the same Period of Insurance will not have the Annual Excess deducted since you’ve already met it for that particular period.

Please note that each time your Policy is renewed, the Annual Excess and the Annual Limit for Vet Costs will be reset.

Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions and definitions.

Pre-existing Symptoms and Conditions

Knose’s Pet Insurance policy defines a Pre-existing Symptom and Condition as follows:

An Injury, Illness, Dental Illness, Behavioural Condition or Specified Condition

(including Bilateral Conditions, recurrent Conditions and other Conditions that are related to, secondary to, or results of) that:

  1. first occurred or showed symptoms of, or
  2. was identified or investigated by a Vet, or
  3. You were aware of or a reasonable person in the circumstances could be expected to have known about,

before Your Pet’s First Date of Cover, before any applicable Exclusion Period has finished, or if You increase Your cover before a change of cover became effective.

Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions and definitions.

No. We don’t provide coverage for Pre-Existing Symptoms and Conditions. Knose Pet Insurance carefully distinguishes between Pre-Existing Symptoms and Conditions based on their curability. Conditions that are considered incurable, such as diabetes and allergies, are not covered by the policy. However, if your pet has curable Pre-Existing Symptoms and Conditions like ear infections or undiagnosed vomiting or diarrhoea, they may become eligible for coverage if they remain symptom-free for 12 months.

As part of our comprehensive service, when processing your initial claim under the policy, we conduct a thorough assessment of your pet’s medical history. To facilitate this process, we may ask for your cooperation in providing details of any veterinarians your pet has visited in the past. The objective of this assessment is to determine if there are any Pre-Existing Symptoms and Conditions that may affect coverage. 

The assessment outcome will be shared with you so that you are well-informed about your pet’s health status. Moreover, you have the option to request a pre-existing condition assessment even before making your first claim, such as during the cooling off period.

Where an assessment has been completed that results in the identification of Pre-existing Symptoms and Conditions, We will provide You with an updated Certificate of Insurance which lists them along with confirmation of the required symptom-free period for each for Us to consider exceptions from the Pre-existing Symptom and Condition exclusion.

Knose Pet Care Plans

General FAQs

Subscribing to Pet Care Plans is a convenient and cost-effective way to maintain your pet’s health regime. Pet Care Plans primarily make it easy for you to you maintain the proactive, preventive care most vets recommend.  But there are many other benefits including spreading the cost throughout the year, budgeting with flat monthly fees and in some cases regular health checks result in earlier disease detection.

A pet care plan is a cost-effective way to maintain your pet’s health regime. Not only do they spread the costs throughout the year to help with budgeting, they are also super convenient.

We work with a large number of vet clinics to offer enhanced Pet Care Plans. Sadly, not all vets have wellness programs and of course, even those that offer them don’t all use Knose.  That is why we created Knose Essentials. It offers the same convenience of home-delivered parasite treatments, just when they are due, gives you access the Pet Health Hotline where you can speak with a pet care expert, anytime day or night, and it includes an allowance you can use at any vet in Australia for your pet’s annual health check and vaccination.

Pet Care Plans make it easy to provide your pet the proactive, preventive care it needs. Plans include the  routine pet care items you should be doing and should plan for.  But there are many other benefits including convenience, the peace of mind knowing you can talk to a pet care professional any time, day or night, helping you  budget through savings and spreading out costs with flat monthly payments, and in some cases earlier disease detection.

Wellness plans is a cost-effective way to maintain your pet’s health regime. Wellness plans primarily help you maintain a proactive, preventive care your vet recommends.  But there are many other benefits including convenience, budgeting and in some cases earlier disease detection.

There is no difference. Wellness plans are better known as Pet Care Plans and the terms are used interchangeably. A Pet Care Plan helps you maintain the proactive, preventive care your pet needs. It covers routine pet care items you should be doing and should plan for. And there are many other benefits including convenience, budgeting and even earlier disease detection in some cases.

Pet care can be overwhelming. And it’s hard to keep track of what exactly your pet needs and when they need it. A pet care plan removes the guesswork and makes it easier than ever to look after your pet. Never run out or forget your flea, tick and worming treatments again. When included on a Knose wellness plan, they are delivered to your home in the right dose when due. It’s pet care made easy.

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