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Join over 68,000 Insured Aussie Pets ⓘ

Love Your Pet More
With Pet Insurance + 2 Months Free

A Simple and Transparent Cover for Your Peace of Mind

  • Customisable Plans • Choose your annual cover level up to $25,000, 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.
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Rated 4.7 on ProductReview and
4.6 on Google Reviews as of July 2025

  • Very simple with super fast claim reimbursements which is what we love.

    Lisa C. – South East Queensland, QLD.
    Source: ProductReview.com.au
Female pet owner hugging and carrying her Labradoodle puppy

Extensive coverage and inclusions for pets of all stages ⓘ

Trusted to protect over 68,000 pets since 2019, with cover focused on the essential needs of your dog’s well-being.

Puppies and Kittens

6 weeks – 1 year

Adult Dogs and Cats

2 – 7 years

Senior Dogs and Cats

8 years above

What We Cover ⓘ

  • Vet costs if your dog is injured
  • Vet costs if your dog suffers an illness
  • Vet costs for essential Euthanasia

Optional Benefits

  • Dental Illness
  • Behavioural Conditions
  • Specialised Therapies to treat covered conditions

What we don’t cover

  • Pre-existing Symptoms and Conditions
  • Preventive and routine items
  • Desexing
  • Brachycephalic Obstruction Airway Syndrome
  • Your actions including pet care
  • Certain treatment
  • Certain vet costs
  • Other general exclusions
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Enjoy 2 months free and exclusive offers when you sign up with Knose

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 add-ons – Dental Illnesses, Behavioural Conditions, and Alternative Therapies.

Get rates for your pet

Enjoy 2 months FREE when you sign up today!

Knose Pet Insurance Awards 2025

One of the most awarded pet insurance in Australia†

Guarding your pet’s well-being with proven excellence with 20+ Excellence Awards† and counting.

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 Limit

Offers up to $25,000 in Annual Limit.

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). BOAS (Brachycephalic Obstructive Airway Syndrome) is not covered, unless specifically approved by Knose.

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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First 2 Months Free

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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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.

Knose Pet Insurance Awards 2025

One of the most awarded pet insurance in Australia†

Guarding your pet’s well-being with proven excellence with 20+ Excellence Awards† and counting.

Pet insurance guide: Key considerations when choosing a plan

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 ↗️

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

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 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

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

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​.