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Flexible Pet Insurance Cover with First 2 Months Free!

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

Join over 68,000 Insured Aussie Pets ⓘ

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Rated 4.7 on ProductReview and
4.6 on Google Reviews as of July 2025

  • Knose is what every insurance company should be. Great value, amazing customer service. 

    Peter – Sydney, NSW
    Source: ProductReview.com.au

Outstanding Value

Winner 5 Years Straight!

One Policy. More Flexibility.

Most pet insurers offer fixed basic, standard or premium tiers with sub-limits. Knose offers something different— a single plan with more flexibility that is customisable ⓘ.

Feature

Knose Pet Insurance

Other Pet Insurance

Policy Customisation

A single policy that’s customisable according to you and your pet’s 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 per policy period.).

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

Sub-Limits

No sub-limits on eligible treatments — 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

For arthritis, diabetes, epilepsy, and other chronic conditions (provided it is not assessed as a Pre-existing Symptom and Condition).

Many cover chronic conditions, but often with sub-limits.

Optional benefits (for eligible policies)

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

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

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What we cover

Knose Pet Insurance covers a wide range of illnesses and injuries — big or small. ⓘ

🩹 Injuries

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 (for eligible Policies)

Customise your cover with additional benefits:

  • Dental Illness Cover
  • Behavioural Conditions
  • Specialised Therapies

🦠 Illnesses

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

  • Skin allergies and infections
  • Eye and ear conditions
  • Gastrointestinal problems
  • Hereditary and congenital conditions (with a 6-month Exclusion 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 (optional)
  • Hospitalisation
  • Surgery
  • Specialist vet referrals
  • Diagnostic tests
  • Prescription medications
  • Essential Euthanasia
See the full Coverage

What we don’t cover

Knose Pet Insurance provides an extensive coverage, 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.

  • 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

Overseas vet costs are not covered, except for vet costs for illness or injury (excluding dental and behavioural conditions) while in New Zealand or Norfolk Island for up to 60 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. Specialised therapies aren’t covered unless added as an optional benefit.

  • 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 period is not eligible for cover.

See the full Coverage

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:

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.

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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 six (6) weeks and eight (8) years and three hundred and sixty-four (364) days 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​

No Hidden Surprises — Just Straightforward Protection for Your Pet’s Well-Being

Coverage for unexpected injuries, emergencies, diagnosing and treatment of a wide range of health conditions – with no cap on sub-limits. ⓘ

Claim up to 90% of approved costs for care provided by a licensed veterinary professionals.

Include optional benefits (for eligible policies) – Dental Illnesses, Behavioural Conditions, and Specialised Therapies.

Get rates for your pet

Enjoy 2 months FREE when you sign-up today!

Trusted by Australian Pet Owners

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

Rated 4.7 on ProductReview and
4.6 on Google Reviews as of July 2025

“

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 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 and the Product Disclosure Statement for specific coverage details.

Knose may cover eye conditions or eye surgery for your pets if they result from an injury 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 injuries 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 benefits (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.

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