Best Pet Insurance

Excellent service! Claim took minutes.Very happy with Bow Wow Meow!

This insurance has paid for itself many, many times over and without it our dog would not be alive! Claims are paid very promptly, and the customer… Read more

service staff are extremely helpful, helping us understand what will be covered and what the costs were before we went ahead with the very expensive surgeries needed. Thank you for all your help!

The claim for every issue is handled professionally and amicably.

The vet team was amazing at their customer service when my cat had received a paralysis tick and I haven’t realised that my insurance had lapsed.… Read more

They let me reinstate and backpay my insurance so I could claim my medical bills. I spoke to the team and they made it all seamless and really easy for me. Very grateful for Leah’s help

I scheduled my cat Chilli for a dental procedure after his teeth weren't looking great. It was the first claim I've submitted for pet insurance, and… Read more

it was processed within 48 hours. Customer service was also easy to deal with, very straightforward and quick to let us know what stage the claim was in. Good thing we started Chilli on pet insurance as a kitten, he ended up needing 5 teeth out even though he's only 2 years old! Overall a great experience, and reassuring that the policy holds up when you actually need it.

It took just 10 minutes to set my policy and found the quote was very reasonable priced

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.

There is no point to having this cover as you cover nothing but charge $55 a month for all the extras, etc They consider most services to be… Read more

preventative. Do not purchase they also charged me and then had to reimburse me because they did not apply two months free at checkout would not recommend not worthwhile or good value for money. One claim which they rejected took over two weeks to be processed.

I took out a policy with Trupanion for my new puppy, Kimi, from the day I brought him home on 21 June 2026, believing I was protecting him from… Read more

unexpected veterinary expenses. My very first claim for an ear infection was denied as a "pre-existing condition." Their reasoning was that the vet notes recorded Kimi had been scratching his ears for approximately two weeks before the appointment, and they used that estimate to conclude the condition existed before my policy started. This was despite me only taking ownership of Kimi on 21 June. As a new pet owner, this experience has completely undermined my confidence in pet insurance. You pay premiums expecting support when your pet needs care, only to find that common puppy issues can be excluded based on retrospective assumptions rather than clear evidence. The appeals process made no difference. After a "thorough reassessment," the original decision was simply upheld with the same explanation. My experience has left me questioning the value of paying for insurance if the first genuine claim is declined on such technical grounds. I would strongly encourage anyone considering Trupanion to read the policy wording very carefully, particularly the definition of "pre-existing conditions," and compare it with other providers before making a decision. Unfortunately, my first experience with Trupanion has been extremely disappointing.

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.

My kitten would have died without insurance. Diagnosed with FIP at 5 months old. Thank goodness I insured them both the day I adopted them. So far up… Read more

to over $8k in treatment costs and pet insurance have covered 80% with very easy claim process and such a fast turnaround time! Less than a week. I cannot say enough about how good this company is. Thank you from the bottom of my heart.

Everyday Pet Insurance saved me so much money when my 1 year old cat had a bad fall one night when we were asleep and woke to her crying. She had… Read more

broken her hip and ended up in emergency at 2am. I had only recently taken out the policy, but thanked my lucky stars as the bill ended up in the thousands and I only had to pay a few hundred. I had tossed up whether or not to take out a policy as she was so young and an indoor cat, but it really paid off. The 10% off a monthly shop helps too.‍

Have made numerous claims over last 2.5 years for two pets with Potiki and have had no problems and prompt service every time. Has saved me a lot of money from unexpected vet visits and hospitalisations.

No compassion shown after limit reached, it's two weeks until renewal. Is it really worth it ,as I'm out pocket big time.

While the first part of the claim was handled efficiently, I experienced significant delays and communication issues regarding the second part. My… Read more

vet called numerous times and was assured the payment had been sorted, yet the claim did not appear in your system when I logged in or called. Each inquiry resulted in being directed back and forth between your team and the vet with no resolution.

The funds were successfully deposited into my account today. I understand the delay was due to a system error that required IT intervention. While I appreciate that the matter is now resolved, it would have been helpful to receive a proactive update regarding the status of the issue while it was being fixed.

Review from Tweed Valley Pomeranians Registered Breeders: We are extremely pleased with the support we have received for our clients in converting… Read more

the introductory Breeders Policies to ongoing pet insurance for their puppies. We use the introductory policies with complete transparency with our clients and with Pet Cover. These policies provide peace of mind to us, and to our new puppy owners while they are welcoming their new family members into their homes. Petcover has been responsive, and supportive, as we have required, for a smooth transition. Thank you Pet Cover!!

Worst service. Before surgery, we needed approval for both the surgery and a CT scan, but Bupa asked us to wait 2 business days and couldn't even… Read more

tell us whether our insurance would cover the procedures.

Why am I paying $80 fortnightly if customer service can't clearly explain what is covered when I call?

Very disappointing experience. I would not recommend Bupa.

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.

Don't waste your money. They decided a skin condition was a preexisting condition for my pet so every claim for over 2 years was rejected by them… Read more

because they said it was preexisting. The final straw was when they said that an insect bite on a paw was linked to a "preexisting" ear skin condition. It was only after complaining and getting them to review the claim TWICE that they finally agreed to approved the claim, which they did not reimburse because it was less than the excess. Total vet bills in nearly three years was around $1200. Total pet insurance paid was close to $3000 and not one claim paid.

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!

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!!!

I would not recommend this insurance. Be aware that once your pet reaches around 7 years old, the premium can increase significantly. At that stage,… Read more

it is often very difficult to switch to another insurer because any existing health issues may be treated as pre-existing conditions and excluded from cover.

In my experience, this leaves policyholders feeling trapped. I also found the claims process frustrating, as payments were delayed and required repeated follow-up phone calls before my claim was processed.

If you haven't signed up with them yet, consider yourself lucky and compare other insurers before making a decision.

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

Absolute junk insurance. They only pay out to a very narrow group of illnesses! If your Vet can't work out what is wrong, then Coles doesn't pay. Try cancelling your policy! I'm still trying!

​I am deeply frustrated and disappointed with Budget Direct Pet Insurance. My dog had an infection that was treated and resolved before we joined. A… Read more

few months later, my dog developed the infection again. Budget Direct completely rejected the claim. ​When you read their fine print, you realize a massive catch: if your pet gets a common, curable illness, they will slap a "pre-existing" or "recurring" label on it and refuse to pay a single cent. ​It feels like this insurance is designed to only cover things that happen exactly once in a pet's lifetime. If your dog is prone to simple, recurring issues like ear or eye infections, expect to pay 100% out of pocket despite paying your monthly premiums. I will be looking for a new provider that actually understands how basic pet health works. Unreliable and absolutely not worth the money.

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.