Best Pet Insurance in Australian Capital Territory Canberra–Queanbeyan

Claim was handled quickly, before we left the vet. No hiccups. Show details

We have been with PIA since December 2025 and have had the best experience. We have a very cheeky puppy and have already needed to make a few claims… Read more

in the 5 months we've had her. The claims process is exceptionally easy and claims are sent to your bank account very quickly (generally 24 hours for us if it's a work day). The online vet service is fantastic, we've been able to connect with a vet within a few minutes to gain advice. The vets we have spoken with have been friendly, non judgemental and very helpful! Highly recommend PIA.

Very impressed with the ease and how quickly my claim was processed Show details

prompt replies and action, easy to use app and ai, friendly staff, Show details

When Harley, our Maltese x Shitzu Poodle, had a seizure and we had to suddenly to go to emergency, it was one of the most stressful experiences we’ve… Read more

had as pet owners. We found out she was diagnosed with epilepsy. It was heartbreaking and overwhelming, especially knowing she may need medication and ongoing care for life. Thank goodness we had Petsy. Knowing Harley’s treatment and ongoing medication could be covered gave us real peace of mind at a time when we were already worried enough. The claim was easy to submit and paid VERY quickly, but what really stood out was the customer service. The team were kind, helpful and genuinely caring. It didn’t feel transactional at all, it felt like we were dealing with people who understood how much Harley means to us. We’re incredibly grateful we chose Petsy.

Best dog insurance for 10+ years of age for my unknown Medium Breed. Show details

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.

Neri has been so helpful and offered me options for my dog's cover. Im satisfied and happy with the customer service she provided. She is very friendly and a cheerful person who is dedicated to her job! Everything was well explained. - Marie 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.

Most compassionate company I've ever been with. Great money value. Show details

Over $2,000 a year, as much as a person. And no cover for preventative care - immunisation or teeth cleaning (which is in excess of $500 for basic care). Hardly worth it. Show details

Been with Petplan (now PetCover) and paying the policies for almost 11 years, insuring my cat and also my dog with them. My cat developed cancer and… Read more

we went through the process of scans and tests, hospitalisation and most recently euthanasia at home. I was charged an additional 35% age excess because my cat was 10 (not massively old for a cat, many live to late teens!?). They wouldn’t even cover the humane euthanasia, even though my cat wasn’t able to defecate in the end and the euthanasia vet agreed it was time. To add insult to injury, the last claim I submitted for the tests and scans- they took off $900 for future policy charged for the next year (so my dead cat is now covered for insurance for the next 10 months). I found an article dated 2014 when (then called) PetPlan bowed down to public pressure after an investigation on unfair policies and agreed to not charge people for dead pets. No other pet insurer, not even Greencross Healthy pet plan, charge once an animal dies. This is a disgusting last ditch money grab in a time of grief. And after paying the policy for 11 years, I’m disgusted in their lack of compassion. They didn’t even send a condolences comment in their letter advising me of unpaid claims and the charge for future policy costs … this despicable company just sent me the bill. Not only that, they are also the only pet insurer (per my vet) that won’t let the vet claim on your behalf- so you can just pay the gap- you have to pay the vet in full, submit the claim yourself, and wait for them to (NOT) pay the claim, after having to get invoices, clinical notes, etc from every vet - considering most serious issues can involve more than one vet, emergency service, specialist, euthanasia vet etc… this is an arduous process (especially when you just need to grieve). No reply to my complaint as yet… let’s see if they ghost me…

We’re so grateful we had pet insurance when our mini dachshund suddenly became unwell and needed to be hospitalised. It was a scary time, but knowing… Read more

we had cover made a huge difference. The gap-only claim process was incredibly straightforward, and instead of facing a massive bill, we were only a few hundred dollars out of pocket. Because cost wasn’t a barrier, we were able to say “yes” to the tests, treatment, and overnight care he needed, without hesitation or stress. The peace of mind that came with knowing he could receive the best possible care was invaluable.

Bupa has one of the best customer service among the pet insurance companies. We've been with bupa almost for 1.5 years, and they've been great, quick with the claim. 24/7 live vet is a huge plus. Show details

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.

Have been a customer of Budget Direct house and car insurance for over 10 years. Got pet insurance a couple of years ago for two pets and to date… Read more

had never made a claim. The first claim we just did was knocked back stating that it was routine care. Apparently we had to have a different level of cover for this so I rang to arrange it. They say you cant change your insurance until the renewal. Then the woman puts me through to some dude and they must think I'm on hold as they're having a good old moan about this guy they have on the phone wanting his insurance fixed.

I told them I could hear them and I didn't want their help anymore. Cancelled.

To be clear, never had problems with the other insurance streams, just this one.

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.