According to Animal Medicines Australia, about 61% of Aussie households own pets and as many as 90% of households have had pets at some point in time. We are a pet-loving nation! Dogs and cats are by far the most popular pets. They enrich our lives, and they are great companions. Yet the cost of pet ownership can add up fast. It’s not just the food, toys and treats, but also the cost of veterinary treatment that can take many pet owners by surprise. And that is where pet insurance may help.
Knose Pet Insurance is designed to help you manage those vet costs for treatment when your dog or cat suffers from unexpected illness or injury.
No matter how good a pet parent you are, pets have a way of getting themselves in tricky situations, for example, eating things they shouldn’t, or simply getting sick.
If you’re unsure if pet insurance is worth purchasing, consider how you might deal with an unexpected bill for vet costs. Vet costs vary depending on the extent of an injury or illness, the required treatment, as well as where you live, and these costs can often run into thousands of dollars.
Not everyone is in a position to cover these unanticipated costs on their own and therefore you might want to consider whether you need pet insurance in your own circumstances. Pet insurance doesn’t cover everything, and there are limits, conditions and exclusions, but knowing you have cover for the unexpected can be reassuring.
A Knose Pet Insurance policy is designed to provide cover for a portion (70%, 80% or 90%) of the cost of necessary treatment provided to your pet by, or under the supervision of a vet to relieve or cure an illness or injury. This may include, but is not limited to, hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing and other care and procedures.
There are waiting periods applicable to different conditions and there are some things that are not included as standard, but you have an option of including them in your cover. See “Optional Extra Benefits” below.
It is important to note that Knose Pet Insurance is designed to provide cover for the vet costs of treatment that is required to relieve or cure an unexpected illness or injury.
There are other exclusions applicable, and you can see a summary of all of the exclusions below.
There is no cover for alternative therapies, dental illness or behavioural problems, unless you choose to include them in your policy.
You will be provided with an option to include Optional Extra Benefits, as part of the process of getting your quote.
The Optional Extra Benefits available are:
You can choose to include or exclude costs of vet consultations. This is because some vets offer their clients membership plans that include a certain number of free or pre-paid consultations.
If you decide to include this, you will have cover for the cost of vet consultations related to required treatment of an injury or illness, but there still won’t be cover for the cost of vet consultations or other vet costs related to preventative and routine items, Pre-existing Conditions, elective procedures and/or other exclusions.
A waiting period is the amount of time during which no benefit is payable under the policy and this means you cannot claim for vet costs for treatment your pet receives in relation to an illness or injury which occurs during a waiting period.
So for any condition that occurs, has shown signs or symptoms and/or you come to know about it during a waiting period, will meet the definition of a Pre-existing Condition and will therefore be excluded from your cover. Such an exclusion may be reviewable or non-reviewable. See our blog post about Pre-existing Conditions for more details.
Waiting periods apply from the time your policy starts, even if you have decided to switch to Knose Pet Insurance from another provider’s pet insurance policy, and also when you upgrade your level of cover with Knose.
If you upgrade your level of cover or decide to add Optional Extra Benefits after the initial purchase of your Knose policy, then waiting periods will apply from the time of the upgrade or addition of Optional Extra Benefits. You will still be entitled to the benefits payable under your previous level of cover during the waiting period for the higher or additional benefits.
Injury (except Specified Conditions):
Illness (except Specified Conditions):
Optional Dental Illness
• For pets under 1-year-old:
• For pets of 1-year-old and over:
Optional Behavioural Problems:
If waiting periods didn’t exist, people could take out pet insurance or upgrade their cover only when they know or suspect that they might need cover, and then immediately make a claim. If these customers then cancelled (or downgraded) their cover after making a claim, it would not only be unfair to other customers, but it could also lead to increased premiums for all customers.
Yes! We offer customers the chance to submit an additional application to request the 6-month waiting period for the Specified Conditions (and others, e.g. Dental Illness) to be reduced.
To consider whether a reduction of the waiting period can be provided, we require:
During our assessment of the application, we will review the available information, and if sufficient, confirm whether there are any identified or suspected Specified Conditions (and others). Where we are comfortable that there aren’t any identified or suspected Specified Conditions (and others), we will reduce or waive the waiting period for those conditions.
We will confirm the outcome of your application and if we decide to approve the reduction of the waiting period, we will provide you with an updated Certificate of Insurance which lists the agreed Specified Conditions (and others) and the new reduced waiting period applicable.
Knose Pet Insurance was designed to offer extensive cover, but even if an injury or illness is covered under your Policy, there are certain treatments which are not covered:
There are certain exceptional circumstances in which Knose Pet Insurance does not provide cover for required treatment. For example, there is no cover when an injury or illness is due to:
After consideration of what is covered and what is not covered, you may want to confirm whether a specific condition or treatment for your pet is covered.
If a condition or treatment is not excluded under your policy, then it is covered.
Please remember if it is a Pre-existing Condition, it occurs during an applicable waiting period or another exclusion applies, then there is no cover.
To help you better understand the coverage, we’ve created the following table to show the types of things we cover, subject to determining if there is an exclusion, as explained above.
Conditions & perils covered include:
|Injuries due to a motor vehicle accident|
|Allergic reaction to insect, spiders etc.|
|Embedded grass seeds|
|Lacerations or abrasion of skin, tissue or mucous membrane due to external violence|
|Bite wound or fight wound abscesses|
|Soft tissue injury|
|Ingestion of foreign objects|
|Traumatic spinal disc rupture|
|Gastrointestinal problems (medical)|
|Gastric dilatation-volvulus (GDV)|
|Anal gland disorders|
|Vaccinatable diseases – only if you are up to date with vaccinations|
|Skin Conditions e.g. dermatitis|
|Ear Conditions e.g. otitis externa|
|Eye Conditions e.g. corneal ulcers|
|Cruciate ligament Conditions|
|Intervertebral Disc Disease|
|Hereditary and congenital Conditions (excluding Pre-existing Conditions)|
|Dental disease||Optional cover available|
|Behavioural problems||Optional cover available|
|Overseas Pet Travel Insurance (in New Zealand or Norfolk Islands on trips < 60 days)|
|Emergency boarding under certain circumstances|
|Essential euthanasia (if recommended by your vet)|
|Necessary treatments and diagnostics for an Injury or Illness |
|Emergency vet care (if necessary)|
|Treatment by veterinary specialists|
|Hip joint surgery|
|Lab and diagnostic tests|
|CT scans and MRIs|
|Medication and drugs|
|Alternative therapies||Optional cover available|
|Physiotherapy||Optional cover available|
|Annual health check-ups||X|
|Deciduous teeth removal||X|
|Preventative dew claw removal||X|
|Your actions or neglect resulting in vet costs||X|
|Vaccinatable diseases – if not up to date with vaccinations||X|
|Breeding related treatments||X|
|Elective procedures or activities||X|
|Emergency costs when it was not an emergency||X|
|Medications not registered or approved in Australia||X|
|Epidemics, pandemics or new influenza||X|
|Nuclear or radioactive weapons/materials||X|
|Acts of war or civil unrest||X|
|Canine distemper virus (CDV)||Feline Parvovirus (FPV)|
|Canine adenovirus (CAV)||Feline calicivirus (FCV)|
|Canine parvovirus (CPV-2)||Feline herpesvirus (FHV-1)|
|Parainfluenza virus (PI)||Feline leukaemia virus (FeLV)|
|Bordetella bronchiseptica (Bb)||Feline immunodeficiency virus (FIV)|
|Leptospira interrogans||Chlamydia felis|
 Unless it is a Pre-existing Condition or it arises during an applicable
Waiting Period. Refer to the PDS and our blog post about Pre-Existing Conditions
 If you are unexpectedly hospitalised for four or more consecutive days and it is necessary for your pet to board at a licensed kennel or cattery, then for a period of up to 30 days. See the PDS for details.
 Paid as part of treatment by or under supervision of your vet if your pet suffers an injury due to an accident or suffers an illness during the Period of Insurance and after any applicable waiting period. See the PDS for details.
 We do, however, cover additional vet costs for the treatment of complex cryptorchid (undescended testicles). If this is the case, we will reduce the vet costs by the amount the vet would have charged for neutering when calculating the payable benefit.
Pet Insurance may provide peace of mind for the times when your pet needs treatment for an injury or an illness. With a range of cover options available, take the time to consider what cover suits your pet’s needs and your budget.