Answers to foundational questions about pet insurance, its benefits, and general policy terms and guidelines.
Pet insurance helps cover unexpected vet bills, so you can focus on giving your pet the care they need. With Knose, you can pay a monthly premium, and if your pet needs vet care due to an illness or accident, we reimburse a portion of the costs. It’s a straightforward way to manage unexpected expenses and get peace of mind. Learn more about pet insurance.
Pet insurance helps you manage the cost of unexpected veterinary expenses, enabling you to provide the best care for your furry friend without financial stress. With Knose Pet Insurance, you get flexible cover options to suit your pet’s needs and protect them when life throws you a curveball.
The best pet insurance is the one that meets your pet’s unique needs. Look at factors like the annual limit, benefit percentage, optional extras (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.
Absolutely! With Knose Pet Insurance, you can visit any licensed vet in Australia. We want to give you the flexibility to choose the vet that’s best for your pet.
It sure can be! Older pets are more prone to illnesses and injuries, so having pet insurance can make it easier to manage those costs. Just keep in mind that some conditions may be considered pre-existing and might not be covered.
Getting a quote is easy! Click on “Get a quote” from our website or access our quote tool here. Just provide some basic details about your pet, and we’ll give you a personalised quote in minutes. You can customise your cover to suit your pet’s needs.
Cover
Information about what Knose Pet Insurance covers, including specific illnesses, injuries, and services, as well as exclusions and optional extras.
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.
We cover most illnesses and injuries as long as they occur after the exclusion period and aren’t classified as pre-existing symptoms and conditions. If you’d like cover for dental illness, behavioural conditions, or specialised therapies, just add those extras when you sign up.
Yes, we can! Dental illness cover is available as an optional extra. It covers treatment for dental diseases affecting your pet’s teeth and gums, but doesn’t include routine cleanings unless needed to treat a covered dental illness.
Yes, but only if you choose the optional extra for behavioural conditions during your application. This covers treatment costs for things like anxiety, excessive licking, and other behavioural disorders, helping your pet get the support they need.
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 accidents or illnesses occur, giving you peace of mind when it matters most.
Pre-existing symptoms and conditions aren’t covered unless we make an exception after an assessment. If you’re not sure if your pet has any pre-existing conditions we can help you by conducting a pre-existing condition assessment, before you submit your first claim. We’re here to make things as clear as possible for you.
Some things we don’t cover include pre-existing conditions, desexing, elective procedures, routine care, breeding-related treatments, and experimental treatments. For a full explanation, check out our Product Disclosure Statement and other policy documents – we believe in being transparent about what’s covered and what’s not covered.
Yes, if you’re unexpectedly hospitalised for four or more consecutive days and no one else can look after your pet, we’ll cover the boarding costs for up to 30 days. It’s our way of helping when life throws you a curveball.
We provide cover for your pet while on trips (up to 60 days) to New Zealand or Norfolk Island. This includes vet costs for injuries or illnesses that happen while abroad, provided the vet is registered in the country.
Yes, you can! If your pet has BOAS, you can apply for cover after an assessment by a vet. If accepted, we’ll add it to your policy, giving you one less thing to worry about.
Yes, you can! With Knose, you’re free to choose any licensed vet or specialist in Australia.
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 and benefit percentages to suit your unique needs.
Pre-existing Symptoms and Conditions
Clarifications on coverage restrictions related to pre-existing symptoms and conditions and how they affect your policy.
A pre-existing symptom or condition is any illness, injury, dental illness, behavioural condition, or specified condition that occurred or showed symptoms before your pet’s first cover date or during the exclusion period.
No, we don’t cover pre-existing symptoms and conditions. However, if your pet has a curable condition, like an ear infection, that condition may become eligible for cover if the condition has been cured and your pet stays symptom-free for a specified period of time. Incurable conditions, such as diabetes or allergies, are not covered. Hereditary conditions might be covered if they aren’t pre-existing and your pet develops the condition after the exclusion period ended.
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.
You can request an assessment at any time, even before your first claim. Simply provide us with your pet’s full medical history.
Policy Details
Commonly asked questions on coverage specifics, including exclusions, optional benefits, and coverage limits.
Please refer to the relevant sections of the Product Disclosure Statement and Policy Wording and Your Certificate of Insurance for full benefit details and applicable terms, limitations, conditions, exclusions, and definitions.
We welcome pets as young as six (6) weeks and up to eight (8) years and 364 days old. For pets younger than three years, you can also add optional extras. And once your pet is covered, there are no age limits for renewals.
It’s all about flexibility! The benefit percentage is the part of the eligible vet bill we cover. You choose 70%, 80%, or 90% when you sign up. If your benefit percentage is 80% and the eligible bill is $1,000, we’ll reimburse $800 – it’s that easy.
You can request to lower your annual limit or benefit percentage anytime. However, increasing them can only be done during policy renewal time.
Different types of conditions have different exclusion periods: one (1) day for accidental injuries, 14 days for illnesses, and six (6) months for dental illness, behavioural conditions, and specific conditions.
Your pet must reside with you in Australia. Unfortunately, some breeds classified as dangerous or banned aren’t eligible. Also, pets used for commercial or sporting activities (like racing or guarding) are excluded.
Yes, and we can also waive the exclusion or waiting periods for injury and illness if you switch to a Knose policy that offers equal or lesser coverage than your previous insurer. To qualify, your previous policy must have been active for at least 12, and you’ll need to provide your previous Certificate of Insurance. Some specific conditions may still require an exclusion or waiting period.
To update your personal details, log in to your Knose account online. From there, you can change your contact information, payment details, and more. If you need assistance, our customer support team is here to help!
Adding another pet is simple! Log in to your Knose account, go to the “Add a Pet” section, and provide the new pet’s details. Each pet will have its own policy, tailored to their specific needs, so you can give every furry friend the right cover.
Claims
Guidance on how to submit claims, the assessment process, and details on receiving your benefits.
Typically, we aim to settle your claim directly with you. This means that we will pay the reimbursement amount for the eligible expenses into your bank account. However, if you prefer us to pay the vet or another service provider directly, we can do so if they are part of our preferred network or at our discretion. Just let us know how you’d like to handle it.
Making a claim is a breeze. Log in to your Knose account and submit your claim online with a copy of the vet invoice. Your vet can also email the invoice to claims@knose.com.au. We might need a bit more info, like your pet’s medical history, to process your claim, and in that case, we can reach out to your vet directly.
You’ll need the original, itemised invoices for the treatment, and the receipts for your payment. We might also ask for your pet’s full treatment history from the attending and previous vets – it’s all part of making sure we get it right.
Most claims are processed within five (5) business days once we have all the necessary information and documents. We like to keep things moving quickly so you can focus on your pet.
You can track the status of your claim by logging into the online claim portal where you submitted the claim. You can also contact our customer service to ask for updates and progress.
Price & Billing
Insights into our billing procedures, premium calculations, and financial considerations related to your policy.
Cancelling is simple! If you decide to cancel your policy, just get in touch with us via email or phone. If you cancel within the 30-day cooling-off period and haven’t made a claim, we’ll refund your premium and policy fees (less any non-refundable government charges, taxes and levies). After the cooling-off period, we’ll stop future payments, but keep in mind that no refunds will be given for any monthly premiums paid.
Your Knose Pet Insurance policy renews every year unless you choose not to. Before the renewal date, we’ll send you a notice with details about your new premium and any changes to the terms. If you’re happy with everything, you don’t need to do a thing – we’ll handle the renewal for you!
Knose offers various pet insurance promos and discounts to help you save on premiums. Seasonal deals, special rates for puppies and kittens, lifetime discounts for senior pets, and multi-pet discounts are available. Simply use promo codes during application process to enjoy these savings.
Insurer looks at several factors, including your pet’s species, breed, age, location, and our claims experience. As your pet ages or as vet costs rise, your premium may change.
Yes, there is a policy fee of up to $5.00 (including GST) per month. This fee helps cover the administrative and compliance costs so we can continue providing the market leading services.
We offer flexible payment options! You can pay your premium monthly or annually. Just remember, if you choose monthly payment, it’s important to keep up with payments to avoid any disruptions to your pet’s cover.
Yes, we provide a 30-day cooling-off period. If you decide to cancel during this time and haven’t made a claim, we’ll give you a refund of the premium and policy fees (less any non-refundable government charges, taxes and levies). We want you to feel confident that you’ve made the right choice for your pet.
Yes, premiums may increase as your pet ages or as veterinary costs go up. We’ll keep you informed of any changes before the renewal, so there are no surprises. Our goal is to provide continued, valuable cover that works for you and your pet.
Knose Pet Care Plans
General FAQs
Subscribing to Pet Care Plans is a convenient and cost-effective way to maintain your pet’s health regime. Pet Care Plans primarily make it easy for you to you maintain the proactive, preventive care most vets recommend. But there are many other benefits including spreading the cost throughout the year, budgeting with flat monthly fees and in some cases regular health checks result in earlier disease detection.
A pet care plan is a cost-effective way to maintain your pet’s health regime. Not only do they spread the costs throughout the year to help with budgeting, they are also super convenient.
We work with a large number of vet clinics to offer enhanced Pet Care Plans. Sadly, not all vets have wellness programs and of course, even those that offer them don’t all use Knose. That is why we created Knose Essentials. It offers the same convenience of home-delivered parasite treatments, just when they are due, gives you access the Pet Health Hotline where you can speak with a pet care expert, anytime day or night, and it includes an allowance you can use at any vet in Australia for your pet’s annual health check and vaccination.
Pet Care Plans make it easy to provide your pet the proactive, preventive care it needs. Plans include the routine pet care items you should be doing and should plan for. But there are many other benefits including convenience, the peace of mind knowing you can talk to a pet care professional any time, day or night, helping you budget through savings and spreading out costs with flat monthly payments, and in some cases earlier disease detection.
Wellness plans is a cost-effective way to maintain your pet’s health regime. Wellness plans primarily help you maintain a proactive, preventive care your vet recommends. But there are many other benefits including convenience, budgeting and in some cases earlier disease detection.
There is no difference. Wellness plans are better known as Pet Care Plans and the terms are used interchangeably. A Pet Care Plan helps you maintain the proactive, preventive care your pet needs. It covers routine pet care items you should be doing and should plan for. And there are many other benefits including convenience, budgeting and even earlier disease detection in some cases.
Pet care can be overwhelming. And it’s hard to keep track of what exactly your pet needs and when they need it. A pet care plan removes the guesswork and makes it easier than ever to look after your pet. Never run out or forget your flea, tick and worming treatments again. When included on a Knose wellness plan, they are delivered to your home in the right dose when due. It’s pet care made easy.
Knose makes caring for your pet easy, accessible and affordable with vet-designed pet care plans and comprehensive protection for when things go wrong.
