Award-Winning Pet Insurance in Australia – 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

Outstanding Value

Winner 5 Years Straight!

Smarter pet care starts with Knose

Everything you need to make caring for your pet simple, affordable, and stress-free. Our services are designed to remove the barriers between your pet and the quality care they deserve.

Choose the best plan for your pet:

Dog and Puppy Insurance

couple holding a kitten

Cat and Kitten Insurance

Pet Care Plans (Wellness)

Optional add-on

24/7 Pet Health Hotline

Free for Knose members

Why Insure with Knose?

Why Knose has no sub-limits

Because you deserve  simple, straightforward pet insurance coverage with no sub-limits to hold you back. With us, you know what you are covered for. Read about sub-limits.

Knose vs sublimited pet insurance claim

Your policy, your terms.

Secure up to $25,000 in coverage annually. Customise your options to perfectly suit your budget and pet’s needs.  Get a quote.

Pet insurance with customisable options

As easy as 1, 2, 3!

Claim processes are streamlined to ensure that most are settled within just 5 working days, making your experience swift and hassle-free. Make a claim.

Aussie pet owner filing pet insurance claims - Knose Pet Insurance

Your questions, our expertise.

Dedicated to providing you with top-tier service, we offer understanding and support when you need it most. Contact us.

Aussie customer service serving Aussie pet owners and customers - Knose Pet Insurance

Need assistance?

Day or night, our team of registered vet nurses are here to help. Our 24/7 service allows you to reach out via call or chat anytime, absolutely free! Check out our Pet Health Hotline.

Woman calling the Knose 24/7 Pet Health Hotline

We are award-winning for a reason.

Knose Pet Insurance Awards 2025

Why Knose has no sub-limits

Because you deserve  simple, straightforward pet insurance coverage with no sub-limits to hold you back. With us, you know what you are covered for. Read about sub-limits.

Knose vs sublimited pet insurance claim

Your policy, your terms.

Secure up to $25,000 in coverage annually. Customise your options to perfectly suit your budget and pet’s needs.  Get a quote.

Pet insurance with customisable options

As easy as 1, 2, 3!

Claim processes are streamlined to ensure that most are settled within just 5 working days, making your experience swift and hassle-free. Make a claim.

Aussie pet owner filing pet insurance claims - Knose Pet Insurance

Your questions, our expertise.

Dedicated to providing you with top-tier service, we offer understanding and support when you need it most. Contact us.

Aussie customer service serving Aussie pet owners and customers - Knose Pet Insurance

Need assistance?

Day or night, our team of registered vet nurses are here to help. Our 24/7 service allows you to reach out via call or chat anytime, absolutely free! Check out our Pet Health Hotline.

Woman calling the Knose 24/7 Pet Health Hotline

We are award-winning for a reason.

Knose Pet Insurance Awards 2025

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!

Knose Pet Insurance Awards 2025

One of the most awarded pet insurance in Australia†

With over 98,000 total claims processed and $32 million benefits paid since 2019, we’re proud to back Aussie pets when it matters most.

Your Pet Insurance Guide – Key considerations when choosing a plan

These information snippets help pet owners understand how different insurers compare and where Knose stands out.

Many insurers cover injuries and illnesses but may exclude dental, behavioural, or alternative treatments. Knose offers extensive coverage with optional add-ons for eligible policies like dental illness, behavioural conditions, and specialised therapies—so you can tailor your policy to your pet’s unique needs.

Learn more

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

Learn more about annual limits

All pet insurance policies come with exclusions, but Knose keeps it simple and transparent. Knose has a 1-day exclusion period for 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 benefits, such as dental illness, behavioural conditions, and specialised therapies.

Knose allows you to choose your excess level ($0, $100, or $200 annually), giving you control over how much you pay out-of-pocket (co-payments) before insurance kicks in. Unlike some insurers that charge per claim excesses, Knose applies excess annually—meaning you won’t be hit with repeated costs for ongoing conditions.

Some insurers impose treatment-specific caps, such as limits on vet consultations. Knose has no sub-limits on standard vet treatments, meaning your total annual benefit limit applies across all conditions and treatments (provided that they are not assessed as a pre-existing symptom and condition).

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 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

Insurance premiums increase as pets age, but the rate and frequency vary by insurer. Knose maintains a fair and predictable approach to premium adjustments, ensuring pet owners aren’t caught off guard by unexpected hikes.

Knose allows you to customise your policy by selecting a benefit percentage (70%, 80%, or 90%), an annual limit (up to $25,000), and optional benefits like dental illness, behavioural conditions, and specialised therapies. This flexibility helps tailor coverage to your budget and your pet’s specific needs.

Limitations to Policy Changes

  • You cannot increase your annual limit after purchasing your policy; you can only decrease it.
  • The benefit percentage can only be increased at renewal, but you can decrease it at any time.
  • Optional benefits can only be added when your pet is under 3 years old, and can be removed at any time.
  • Adjustments to the annual excess (if selected) can only be made at renewal.
  • If you switch from another insurer, Knose may waive waiting periods for injury and illness, provided the coverage is equal or lesser, and your previous policy was active for at least 12 months. You’ll need to complete a waiver application form and submit your previous Certificate of Insurance to apply.

Most Australian pet insurers don’t offer 24/7 vet support outside of an insurance policy. Knose stands out by making expert advice accessible to all pet owners—free for members and available to non-members for just $8.88/month with no lock-in contracts. Whether insured or not, pet owners can get professional vet advice anytime, anywhere.

Learn more

Pet insurance Claims Made Easy

With over 98,000 total claims processed and $32 million benefits paid since 2019, we’re proud to back Aussie pets when it matters most.

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 Ragdoll

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

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.

Get a 2 minute Quote

Promo applied!

T&C apply

First 2 Months Free

or

Schedule a Call

Promo applied!

T&C apply

First 2 Months Free

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.

Discover our story

Our purpose is to make Australian pets the healthiest and happiest in the world.

Knose Founders - CEO Tiaan Dreyer & COO Nathan Harris
  • Pet care should be simple, easy and convenient.
  • Prevention is better than cure, but understand accidents and illness do happen.
  • Everyone should have access to, and be able to afford great pet care.
  • In the power and importance of local independent veterinary clinics.
  • Every customer, vet, pet owner and supplier should be treated with care and respect.

Read more about our story

Knose Pet Insurance Awards 2025

Rated 4.6 on ProductReview and Google Reviews as of February 2025

Pet Insurance Resources

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Knose Pet Insurance Explained

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