Best Pet Insurance

We've had Bow Wow Meow insurance for our groodle for 4 years. Never had an issue, claims always approved quickly and gap only is great. My only… Read more

comment is that they do seem to increase their premiums quite a bit each year. This year I decided to enquire about adding an excess to reduce the premium and the person I spoke to kept telling me that the 'annual excess' applies per condition, per policy period. Despite the PDS saying that it was indeed an annual excess and no mention of per condition, we went around and around for 20 minutes where they said for each condition I will need to pay the excess again. I ended the call and called back to speak to another person who said it was indeed an annual excess as per the PDS and is per policy period (not per condition). It may be worth retraining your staff on the PDS and how your policies work. However despite this looks like I'm sticking with Bow Wow for another year as with excess, their price is much more reasonable.

I have 2 dogs insured with this company. One giant breed required specialist support and was supported by PIA. refunds arrived quickly without any issue. The service has always been responsive. Show details

Once again knose is getting a bad review, ive just spent 20 minutes on the phone waiting to speak to someone about a claim i put in a week ago. Every… Read more

single claim ive made ive had to ring up about and thats at least 20 times. They take your money pretty quick but dont like paying out claims. If you dont want to wait over a week for a claim definitely do not go with this company.

Another quick & fuss free claim for my dog's foot surgery. Thank you Fetch for always having our back Show details

Petsy is truly just so easy to manage and easy to make a claim with. My baby has been suffering with ear infections and has been back and forth to… Read more

the vet. Petsy make it so easy and stress free when making a claim. Simply upload the invoice, submit and thats all there is to it . Having such peace of mind when it comes to my baby and his care is amazing and I can not recommend petsy enough to everyone.

The best cover we could get for our 11 year old Golden Retriever, super easy to sign up and secure policy. Was completed in 10 mins and also… Read more

received 10% discount. Wish we could add on more cover but out of all that was available, this provided maximum benefits.

My experience with real pet insurance has been a supportive one. They are understanding and their customer service team are outstanding. Through my… Read more

financial hardship, they are supportive and still manage to insure my pet. A shout out to Katrina from customer service, she was extremely supportive.

I’m very disappointed with Pet Circle Insurance. I have been paying for over a year and when I finally tried to make first claim, the process took a… Read more

very long time. In the end, I couldn’t even claim back one dollar for a general health check. As a customer who has paid premiums for so long, I expected a smoother process and at least some support. Unfortunately, this experience made me feel like the insurance wasn’t worth it. I'm trying to cancel the insurance but seems very difficult. I hope the company can improve the claims process and be more transparent about what is actually covered.

I have been with Trupanion since my dog was a puppy she is now 2 and a half. It is by far the most comprehensive policy and the claim process was… Read more

hassle free. The benefits outway all other insurers in my opinion. The peace of mind being with trupanion and knowing they will look after her for her lifetime is wonderful. I offer my sincere thanks at a traumatic time in my life. My dog means the world to me and being an aged pensioner I could not have been able to cover her medical expenses without Trupanion.

My 6th German Shepherd Solomon developed Gastric-Dilation Volvulus (GDV) or 'twisted stomach' for us non-medical folk. The condition is… Read more

overrepresented in this breed and I have lost 2 Shephard's previously to the condition. My wife and I had travelled from the Gold Coast to Helensburgh near Sydney to visit one of our sons and took 2 dogs along. On the day following our arrival I noted Solomon seemed lethargic in the afternoon after being very normal late morning and I checked his gums for sign of snake bite and then his stomach for potential GDV, His stomach was bloated and I could feel the twist. We rushed him to the ARH Emergency Vet Hospital in Wollongong and they triaged Solomon on arrival and prepared him for surgery. The staff who were brilliant assisted with contacting Guide Dogs and within minutes, we had pre-approval for the treatment. This rapid outcome was the best news along with the ARH surgeons quick assessment and I left the hospital with the confidence that I didn't need to worry about the cost or the level of treatment Solomin would receive. Solomon's had 4 days in intensive care and pulled through and is now recovering at home on the Gold Coast. He was discharged from the hospital in a very seamless process and all I needed to do was cover the gap.

I changed to Guide Dogs after a rejected claim from another insurer when Solomon was 7 months old and have been with Guide Dogs ever since (he'll be 8 in June) for multiple pets and this isn't my first claim with Guide Dogs.

If you are shopping around for an insurance option for your pet, I'm more than happy to recommend Guide Dogs.

The claim was simple and very quick through "Gap Only". Our policy covered us as stated, and we were very grateful that we could get the surgery and support that we needed. Thank you. Show details

Im confused with my identical policies for my two same age dogs with potiki. One dog gets more rebate on an identical service. It's been explained as… Read more

a cap on rebates to me so to speak. My dogs aren't on the same policy so I should receive identical rebates to my thinking. After all I'm not the patient the dogs are. If im not getting identical rebates on an identical policy I should be getting a %age discount on the 2nd policy as that pays back less. At $200 a month i expect same rebates on identical policies. I may well change one dog to another insurer to get a higher rebate. Resolution of claims is quick but unequal in value considering I pay the same price for both.

Pet Insurance taken out 13/04/26. Injury claim became necessary 28/05/26. Vet Hospital submitted claim details. Response and reimbursement completed within 7 days. Show details

I spoke to Kav who was very friendly and nice and very helpful and informed. He told me everything I needed to know about this policy for my girl and… Read more

I couldn’t be happier. The coverage is right and I understood everything that was told to me and the premiums are very affordable. Couldn’t as for a better experience in choosing pet insurance. Thanks Kav

We orginally signed up with pet cover after 6 weeks free trial, as they were affordable but also covered our dog enough in the worst case scenario of… Read more

IVDD for our dachshund (unlikely as our breeder has all the breed history and no cases of it) we didnt expect our beloved puppa would need surgery for something else but she picked up and swallowed something on a walk that my husband couldn't get off her and unfortunately turned out to be a corn cob that had to be removed from her stomach. The claims process has been great and quick from start to finish. Only suggested improvement for pet cover would be developing some sort of gap payment system as it was hard to find the 5k upfront, other than that they have been helpful and efficient and we are very glad we had the cover. Our policy pays 80% back, minus excess, we have had policy for 2 years, so definately value for money. Thanks again.

I would like to give 10 out of 10 for the Medibank customer service. Leora is very nice and patient to hear what I need. I really appreciate it. Show details

My experience with bupa pet insurance was very disappointing, they don’t give customers very much options, basically forces people into having an… Read more

excess applied to their policy because they can’t afford the high premiums. I submitted a few small claims, and have virtually received nothing after the excess gets deducted. For these insurance companies, it’s profit Thats all they care about they don’t care about customers that keep them in business. I will never give this company my business again. Very disappointed

I would not recommend this company. The automatic annual increases applied by this company is unscrupulous and excessive. Watch out. First year for… Read more

gold was $1,000 a year in GST. 2nd year auto-renewal (I missed) rose to over $1,600 in GST Who does a 60% increase? Year 3 they tried to renew for over $2,000 incl GST. When I called to cancel they offered a discount on the excessive $2,000 and bonus free months. No company can explain these increases by keeping up with CPI increases and even allowing for your pet ageing. If you pet lived to 10 years you would be up for $20,000 +. Yopu're better off finding the cash, even with vet bills being so high.

Great pet insurance – Guardian were excellent to deal with. If the vet clinic was unable to process a gap payment it was easy to submit invoice and vet notes through the… Read more

portal when lodging a claim. Claims were always processed within a few days and received 80% of vet fees incurred. Definitely value for money for our dog who had numerous issues. Had our policy with guardian for 6&1/2 yrs until we unfortunately had to have her euthanised due to terminal illness.

Rome was extremely helpful and provided me with the answers to all my questions in a most friendly manner - he was a delight to deal with and a great ambassador for HCF Pet Insurance. Show details

I have recently made a third claim on my policy. As before the payment was in my account within a couple of days! Thanks Mallory! Show details

Seriously disappointed – Have had insurance with Petmed for over 10 years and with the premium increasing to an outrageous cost requested to drop cover to a lower level. Was… Read more

told they are not modifying or doing any new policies. So disappointing because now my dog is over 10 it seems I either cough up $2600 a year for his policy amor have no insurance m. Seriously disappointed!!!

This used to be a good product, and it is still good in that it's easy to lodge claims and they usually pay out very quickly (albeit only after… Read more

you've paid the vet bill), but it is now grossly overpriced.

Our annual insurance for one of our dogs increased from $1836 to $2558 (a 39% increase) in a single year, for insurance than only covers up to $12,000 worth of vet bills. RACQ's explanation for this is that insurance costs increase as dogs get older, and they assure me that they are absolutely unable to do anything about the cost of their insurance.

Meanwhile, another insurer can provide insurance for the same dog for $830 covering most of what RACQ covers, and that policy would cover up to $20,000 worth of vet bills, which leaves me wondering why I would stay with RACQ, or ever suggest to others that they should use RACQ.

Great Insurance for your pet – Very happy with our pet insurance which we've had for 7 yrs Show details

I spoke to your rep Mahdi this morning. He explained everything in detail and only now i understood the pet insurance cover. Due to his explaination i decided not to cancel the policy. Show details

DO NOT GO WITH COLES PET INSURANCE!! i've been loyally paying $100 month for two years and I had to get a simple benign lump removed and they came… Read more

back denying claim for $1930. because somwhere on page 20 something of the PDS they only cover very limited illnesses. I found other insurers with wider coverage and am going with them check specific illness cover first. Also: Limited Coverage Options: Routine care, dental, and preventive treatments are not included in standard policies and may require higher-tier, more expensive plans. Upfront Payments: You usually need to pay the vet bill upfront and wait for reimbursement, rather than having the insurer pay the vet directly.

Garbage. My mum's dog had an eye issue that was NOT a pre-existing condition and the vet said so, and referred her to an eye specialist who also said… Read more

so. Put the claim in with all the paperwork proving it was not pre-existing, and it is REFUSED due to being a "pre-existing condition" by an utterly unqualified young vet nurse. NO ARGUMENTS, just tough luck, sorry, bye! I also put in a claim for my cat and it took them weeks, also rejected it as a pre-existing condition, which also wasn't. Changing insurers TODAY, and so should you. Screw this criminal organisation!!!!

I’m very happy as a long time customer, and got the help I neededed, far more than I expected with a 3 months free cover for my girl Lucky to help me… Read more

out short term. Very appreciative and happy that Kogan also value my customer. Thankyou to all involved. A loyal customer. Lisa and Lucky

Due to separation the insurance needed to be changed into my ex partner’s name as he was going to be looking after the payments and the dog was… Read more

staying with him. Dog was staying in the same house since brought home in 2023. Same Elite cover insurance policy since the same time, same dog. When the name on the policy was changed we were told there was a 21 day stand down period. Why? Dog hasn’t changed, his home hasn’t changed only the person whose name was on the policy has. Very dissatisfied and disappointed at such a ridiculous clause.