Australia’s Trusted Dog Insurance

  • Award-winning† dog insurance with optional extra benefits
  • Pet care plans customised for vets and pet owners
  • We’re pet specialists. It’s all we do!
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Get your dog insurance quote in just 2 minutes.

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Knose have been amazing since day one. Such a fast turn around and always so easy and smooth. Thank you so much!

Extensive coverage and inclusions for dogs of all stages

Our cover focuses on the essential needs of your dog's well-being.

What We Cover

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

Optional Benefits

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

What we don't cover

  • Pre-existing conditions
  • Preventive and routine items
  • Desexing
  • Brachycephalic Obstruction Airway Syndrome
  • Your actions including pet care
  • Certain treatment
  • Certain vet costs
  • Other general exclusions

Knose provides cover for dogs of all stages, from 6-week-old puppies to senior dogs, ensuring they’re protected throughout their lives.

Puppies (6 weeks-1 year)
Adult dogs (2-7 years)
Senior dogs (8 years+)
See our Coverage

How we compare with other pet insurance for dogs & puppies

We do not impose on sub-limits. If you need to take your pet to the vet, you know what you are covered for. With a no sub-limits plan like Knose, your dog receives the top care they deserve without financial worry.

An example of a pet insurance cover for an Australian dog with tick paralysis
Knose Pet Insurance Other Pet Insurance
Annual Limit $25,000 $25,000
Benefit Percentage 80% 80%
Annual Excess 0% 0%
Total Vet Bill $10,000 $10,000
Sub-Limit NONE $1,000
Claim Amount $8,000 $1,000
Female pet owner with her dogs on the couch - Knose pet insurance

Pay only $5 per month for the first 2 months

Get the best care for your dog without breaking the bank – check out our latest promos and deals.

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Why insure your dog with Knose?

To ensure your dog gets the best care when they need it most, without the financial stress.

  • Up to $25K annual limit with flexible and customisable options
  • Up to 70%, 80% or 90% of your eligible vet bills back
  • Access to Pet Health Hotline
  • No sub-limits or hidden fees
  • Quick and easy claims
  • Australian-based customer care

Exclusive Knose Promo for New Sign Ups

Take a quote and get your first month FREE!

Get rates for your dog

1 MONTH FREE promo code applied!

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 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

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.

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.

Knose allows you to choose your excess level ($0, $100, or $200 annually), giving you control over how much you pay out-of-pocket 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 or physiotherapy sessions. Knose has no sub-limits on standard vet treatments, meaning your total annual benefit limit applies across all conditions and treatments.

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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.

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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 extras 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 extras can only be added when your pet is under 3 years old and cannot be removed later.
  • 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.

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

Dog insurance claims made easy

Here to answer every call and woof.

a miniature dachshund - Knose dog insurance cover

1 year-old Miniature Daschund

Lump removal surgery

Vet bill

$1,754

Claimed with Knose

$1,403

a golden retriever running in the park - knose dog insurance cover

3 year-old Golden Retriever

Cruciate Ligament rupture surgery

Vet bill

$4,838

Claimed with Knose

$4,264

a miniature poodle puppy sitting in the car - knose dog insurance claim

3 year-old Miniature Poodle

Atopy (Skin allergies)

Vet bill

$154

Claimed with Knose

$123

Photo of tamaruke dogs - knose dog insurance claims

4 year-old Tamaruke

Dental surgery for fractured tooth

Vet bill

$1,034

Claimed with Knose

$765

a white great dane dog - knose dog insurance claims

3 year-old Great Dane

Snake bite treatment

Vet bill

$4,203

Claimed with Knose

$3,783

Pet insurance for Australia’s favourite dog breeds

Discover why so many pet parents insure these dog breeds with Knose.

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Trusted by Australian Pet Owners

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

Excellent 4.6 based on 782 Reviews

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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
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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.

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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.

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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.

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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!

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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

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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

Why pet insurance is important How to compare pet insurance plans How to settle a claim How to manage veterinary costs Puppy Handbook for Pet Owners Pet Insurance FAQs View All Resources

Frequently Asked Questions

Why should I consider pet insurance for my dog?

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

Your dog or puppy must reside with you in Australia. Unfortunately, some dog breeds that are classified as dangerous or banned aren’t eligible. Also, dogs used for commercial or sporting activities such as breeding, working, fighting, racing, personal protection, gun sports, law enforcement, or guarding, are excluded. However, there are exceptions, and we do provide cover for dogs engaged in specific activities like show dogs, search and rescue dogs, guide dogs, assistance dogs, or customs sniffer dogs.

Our insurance for dogs and puppies covers accidents, injuries, illnesses, and even essential euthanasia. You can also add optional extras like dental illness, behavioural conditions, and specialised therapies to suit your dog’s unique needs.

Check what we cover and what we don’t cover ↗

We believe in keeping things simple and flexible. With Knose, you won’t encounter any sub-limits, so you can claim for eligible vet bills up to the annual limit. You can choose from various Annual Limits of $7,500, $12,500, or $25,000, and Benefit Percentages of 70%, 80%, or 90% to suit your unique needs.

We welcome dogs as young as six (6) weeks and up to eight (8) years and 364 days old. For dogs younger than three years, you can also add optional extras. And once your dog is covered, there are no age limits for renewals.

No, we don’t cover desexing, grooming, or training services for dogs and puppies as these are considered routine and elective care. Our pet insurance for dogs and puppies is designed to step in when unexpected accidents or illnesses occur, giving you peace of mind when it matters most.

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 dog needs medical care due to an illness or injury.

For routine care, you may opt to subscribe to our Knose Pet Care Plans ↗.

View more FAQs

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