Pet Insurance
Is pet insurance worth it? What pet owners say
Curated by
Klarisse Galido
Editor
Get your pet insurance quote in just 2 minutes.
Knose Pet Insurance has been built from the ground up with vets’ advice to provide a straightforward and customisable insurance plan.
✔ Up to $25,000 Annual Limit
✔ Up to 90% Benefit Percentage
✔ Choose $200, $100 or $0 Annual Excess
✔ Select Optional Extra Benefits
✔ Enjoy no Sub-limits
✔ Access Pet Health Hotline 24/7 for free
Get your free pet insurance quote in just 2 minutes.
As a pet insurance business, Knose have really tried hard to stay away from jargon, to make the world of insurance easier to understand and to show exactly what you receive.
Another riddle with insurance are sub limits. You know if you are in a car accident, and you take it in for repair and they say sorry, you are not covered for metallic paint, there is a sub limit of $500. Any repair cost over $500 you have to reach into your pocket. You know. Sub Limits.
Knose Pet Insurance have NO SUB LIMITS. None. If you need to take your pet to the vet, you know what you are covered for.
An example of pet insurance cover for an Australian dog for tick paralysis.
Here to answer every call, meow, and woof.
Lump removal surgery
Vet bill: $1,754.36
Claimed with Knose: $1,403.49
Chronic Kidney disease diagnosis and treatment
Vet bill: $2,508
Claimed with Knose: $2,257.2
Cruciate Ligament rupture surgery
Vet bill: $4,838
Claimed with Knose: $4,264.2
Vet consultation and medication for Gastroenteritis
Vet bill: $142
Claimed with Knose: $113.6
Atopy (Skin allergies)
Vet bill: $154
Claimed with Knose: $123.2
Hospital with fluids and specialist treatment for vomiting
Vet bill: $4,472
Claimed with Knose: $3,733.2
Dental surgery for fractured tooth
Vet bill: $1,034
Claimed with Knose: $765
Ultrasound and specialist costs for enlarged spleen diagnosis
Vet bill: $1,559.55
Claimed with Knose: $1,060.82 *
Snake bite treatment
Vet bill: $4,203
Claimed with Knose: $3,782.7
Consultation and treatment for insect sting
Vet bill: $179.22
Claimed with Knose: $161.3
If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Injury due to an Accident and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.
If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Illness (excluding Dental Illness and Behavioural Conditions) and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.
If during the Period of Insurance and after any applicable Exclusion Period, it is deemed necessary by Your Vet to euthanise Your Pet because of a covered Injury or Illness, We will reimburse or pay a portion of Your incurred Vet Costs related to euthanasia up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.
If during the Period of Insurance and after any applicable Exclusion Period, Your Pet accompanies You on a trip of not more than sixty (60) days to New Zealand or Norfolk Island and suffers an Injury or Illness (excluding Dental Illness or Behavioural Conditions) and You incur Vet Costs for: a. required Treatment (excluding Specialised Therapies); and/or b. euthanasia if deemed humane and essential by Your Vet, We will reimburse or pay a portion of Your incurred Vet Costs related to Treatment and/or euthanasia up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.
If during the Period of Insurance, You are unexpectedly hospitalised for four (4) or more consecutive days, and it is not reasonable for someone who lives with You to look after Your Pet and is therefore necessary for Your Pet to board at a licenced kennel or cattery, We will reimburse a portion of Your incurred boarding costs for a period of up to 30 days up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.
Dental illnessIf during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers a Dental Illness and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Dental Illnesses: Dental diseases, gingivitis, periodontal disease.
If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers a Behavioural Condition and You incur Vet Costs from a generalist Vet or a behavioural specialist Vet including costs related to supply of registered medications for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Behavioural Conditions: Dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders.
If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Injury or Illness and You incur Vet Costs for required Specialised Therapies Treatment, We will reimburse or pay a portion of Your incurred Vet Costs related to the Specialised Therapies Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Specialised Therapies: Acupuncture, physiotherapy, hydrotherapy.
A Pre-existing Symptom and Condition is defined as: An Injury, Illness, Dental Illness, Behavioural Condition or Specified Condition (including Bilateral Conditions, recurrent Conditions and other Conditions that are related to, secondary to, or results of) that: first occurred or showed symptoms of, or was identified or investigated by a Vet, or You were aware of or a reasonable person in the circumstances could be expected to have known about, before Your Pet’s First Date of Cover, before any applicable Exclusion Period has finished, or if You increase Your cover before a change of cover became effective. |
There is no cover for the spaying or neutering of your pet. We do however cover additional Vet Costs for required Treatment of complex cryptorchid (undescended testicles) if it is not a Pre-existing Symptom and Condition. We will reduce the Vet Costs by the amount the Vet would have charged for neutering before applying the Benefit Percentage.
We do not cover Vet Costs or any other costs attributable to Treatment for Brachycephalic Obstructive Airway Syndrome (BOAS) unless the Brachycephalic Obstructive Airways Syndrome (BOAS) Application form is completed and accepted by Us.
Get your pet insurance quote in just 2 minutes.
94% of cats and dogs in Australia are uninsured, which can put a big financial strain on pet-owners when the unexpected happens.
Knose makes caring for your pet easy, accessible and affordable with vet-designed pet care plans and comprehensive protection for when things go wrong.
Get your pet insurance quote in just 2 minutes.
Pre-existing Symptoms and Conditions and other exclusions, terms & conditions apply. Please see the Product Disclosure Statement for more details.
Our purpose is to make Australian pets the healthiest and happiest in the world.
Curated by
Klarisse Galido
Editor
Curated by
Klarisse Galido
Editor
Written by
Nathan Harris
Co-Founder & COO
Approved by
Tiaan Dreyer
Co-Founder & CEO
Written by
Tiaan Dreyer
Co-Founder & CEO
Written by
Klarisse Galido
Editor