Best Pet Insurance in Western Australia Perth

Based on 9,440 reviews
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4.4 

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Bow Wow Meow Pet Insurance

Bow Wow Meow Pet Insurance 🏆 2026

4.6  
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Mia NSW
 

Absolutely Fantastic service. The vet was shocked at how much we were able to claim. Our beautiful rescue cat "Luna" required emergency care. The… Read more

bill came to $230.20 and we only had to pay $23.01 out of pocket. From the initial contact and signing up with Bow Wow all the way through to claiming at vet's has been a positive and seamless process. Highly recommend and happy to give 10/10 rating.

Pet Insurance Australia

Pet Insurance Australia 🏆 2026

4.4  
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Siyuan T.
   Fair Incentive

We have PIA for three years now for our frenchie. Unfortunately our boy recently had IVDD and seizures and lots of vet visits and diagnostic… Read more

procedures. We had good coverage by PIA, and it definitely helped us a lot to have our boy treated well. Highly recommend for Frenchies.

Fetch Pet

Fetch Pet

4.8  
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Joanne NSW 2 posts
   Verified

The service and support we received was absolutely amazing. The girls I dealt with were patient, caring, efficient, supportive, professional and really cared about us and our puppy’s injury. I can’t praise them or thank them enough.

Knose

Knose

4.7  
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Jason QLD
   Verified

I cannot thank Knose Pet Insurance enough for their incredible support during one of the most stressful weeks of my life. My dog, Bobby, was suddenly… Read more

diagnosed with Immune-Mediated Thrombocytopenia (IMTP) and required urgent specialist emergency care and hospitalisation. Facing an unexpected $5,000 vet bill on top of worrying about Bobby’s health was a massive financial and emotional burden. However, from the moment I reached out to Knose, their team responded quickly and with genuine care. Within just three days, all of my claims were assessed and reimbursed. Knowing the financial side was taken care of so swiftly lifted a huge weight off my shoulders and allowed me to focus completely on nursing Bobby back to health. He is now recovering well at home, and I am truly grateful to Knose for being there when we needed them most. Highly recommend!

Petsy Pet Insurance

Petsy Pet Insurance

4.9  
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Erin 5 posts
 

In a field of poor insurance operators Petsy is simply another one of those. They delay and delay to make you constantly chase them up and get stuck… Read more

on hold with an AI chatbot.

They will find any reason to not pay your claim so in all honesty just chuck the money you would’ve paid them into a savings account and you’ll be so much better off

Seniors Pet Insurance

Seniors Pet Insurance

4.7  
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Carol D. WA 5 posts
   Verified

I have been looking for an insurance for Joey. I found Australian Seniors and with the 10% discount for being over 50, I signed up. The guy on the phone was helpful and answered all my questions.

Real Pet Insurance

Real Pet Insurance

4.4  
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Satch
   Verified

Filling out application was fast and very easy to understand. Price was a lot higher then other companies but policy cover waiting periods a lot less… Read more

time waits. Which is highly important when living out in a rural suburb. So overall happy to have insurance through real insurance for pets.

Pet Circle Insurance

Pet Circle Insurance

4.5  
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Mimi 2 posts
 

AWESOME service....Easy to lodge a claim and very fast payment back!!! Thank you ❤️⭐️❤️⭐️❤️⭐️❤️⭐️❤️⭐️

Trupanion Australia

Trupanion Australia

4.5  
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Damarge VIC 3 posts
   Verified

Seamless process and such a relief to have Trupanion backing us through a traumatic week. Our adventurous little kitten had half a cockroach stuck… Read more

in her throat for a week! The bills were extraordinary and would have been a massive burden without Trupanion’s assistance. Thank you

Guide Dogs Pet Insurance

Guide Dogs Pet Insurance

4.1  
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Dan L. 2 posts
   Verified

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.

Everyday Pet Insurance

Everyday Pet Insurance

3.6  
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Lisa W NSW
 

I have been really happy with Woolies, I inherited my mum's German shepherd, then 4yo, and her Woolies insurance came with her. I haven't used the… Read more

pre-approval as written about in other reviews, but we pay and get rebated for her allergy issues and ear infections and the payment is always fairly prompt (about a week) and their over the phone service is really helpful. Also, you don't need to pay an excess everytime, if it is an issue that has been treated before (eg allergies that have ongoing flare-ups). Some pet insurance companies will end your cover after a claim, then start you on a new cover, so anything you claimed before all of a sudden becomes a pre-existing condition! (Check Choice magazine shonky awards to steer clear of that company). So for us, when we have a year that is just minor appointments like cytopoint injections and the odd ear infection, we definitely at least break even with the premiums we pay and what we get back (including the monthly 10% discount at Woolies). Hayley's insurance is much better value for money than our human private insurance!

Petinsurance.com.au

Petinsurance.com.au

4.2  
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Thomas L.
 

We insured our dog Lexi with petinsurance.com.au. Last month she came down with acute gastroenteritis and needed vet treatment. I put in a claim. … Read more

They paid nothing. Not a cent. The reason they gave: her illness isn't on their list of covered conditions.

Here's the problem. When we took out the policy, nobody made clear that it only covers a set list of named illnesses. If that had been explained at the time, we wouldn't have signed up. Instead you only find out what the policy really covers when you try to claim.

We paid our premiums in good faith and got nothing back when our dog actually got sick.

If you're thinking about insuring with them, read the exclusions list line by line before you sign anything, because they won't point it out to you. I wish someone had told us that.

Petinsurance.com.au
Petinsurance.com.au    

Hi Thomas, thanks for reaching out. Is it… Read more

Potiki

Potiki

4.6  
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Sophie P NSW
 

Very happy with Potiki. Making a claim was easy, communication was excellent, and the claim was processed quickly. Having pet insurance that works… Read more

when you need it most provides great peace of mind. I would happily recommend Potiki to other pet owners.

Medibank Pet Insurance

Medibank Pet Insurance

4.2  
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Vicky A.
   Fair Incentive

l was very happy with the service l got with Marlon. He help my with my question and also he help me to set up pet portal. Thank you for your help

Petcover

Petcover

2.9  
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SuperMan100 NSW 2 posts
 

I have 4 horses and at first I was impressed as the claim process was fairly simple. Then renewal time came. They sneakily excluded permanently… Read more

everything we had claimed for from “lifetime exclusion for left leg injuries” to “lifetime exclusion for any cellulitis claim”. No notice of the changes, just snuck it in there. Be aware and be wary with this mob.

What is the actual point of insurance if they are going to start putting lifetime blocks on simple horse things like any left leg injuries??

Spoke to them over the phone about it and they stated it’s their standard practice to exclude anything equine related in a claim from future coverage for that horse.

Buddy Pet Insurance

Buddy Pet Insurance

4.4  
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Chel P.
   Verified

I have paid this insurance for 10 months. When I am claiming to settle $200 they want me to pay $200 deposit. So I told them to cancel my insurance,… Read more

they said I cannot claimed anymore as I am not insured but they just taken another payment two days prior to my initial claimed.

Buddy Pet Insurance
Buddy Pet Insurance    

Hi Chel, Thank you for reaching out and… Read more

Bupa Pet Insurance

Bupa Pet Insurance

3.4  
 Summary
Gregg6471 22 posts
 

My daughter took out premium coverage and needed to make a claim when dog cut hus foot requiring stitches, submitted claim with itemised invoices and… Read more

was told they needed clinical notes from the vet in addition, obviously hoping to put enough people off pursuing the claim. Avoid

Prosure

Prosure

3.7  
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Jeff NSW 3 posts
 

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.

Guardian Pet Insurance

Guardian Pet Insurance

4.2  
 Summary
Anna QLD 3 posts
   Fair Incentive

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.

HCF Pet Insurance

HCF Pet Insurance

3.0  
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Grant
   Verified

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.

PetsOnMe

PetsOnMe

4.0  
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Theresa W NSW
 

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!

Petmed

Petmed

2.8  
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Michelle C.
 

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!!!

RACQ Pet Insurance

RACQ Pet Insurance

2.3  
 Summary
Glenda J. WA
 

Absolutely worst pet insurance company I have ever dealt with. Make up any excuse to not pay out on claims - not worth the paper it is written on. … Read more

You are just completely wasting your time paying for this pet insurance because they do not pay out!! I have wasted over $1000 for no return.

1300 Insurance Pet Protect

1300 Insurance Pet Protect

2.7  
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Helen Hirst QLD 30 posts
 

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

Petbarn Pet Insurance

Petbarn Pet Insurance

3.1  
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Lawrence M.
 

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

Budget Direct Pet Insurance

Budget Direct Pet Insurance

2.0  
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LIZ VIC VIC 41 posts
 

I have just gone with budget Pet insurance for my fur baby . I was with the RSPCA, but they got taken over by Buddy Pet insurance keep away from… Read more

them, rip-off merchants. hopefully budget direct will be good. signed up with them in October. had to take my fur baby to the Vet on second of November. I have put in the claim for the Vet and awaiting to hear back from budget direct. Hopefully this will not take too long for refund of his Vet visit . as my fur baby was due for his yearly vaccination, I will let you know how long it takes for them to get back to me with the outcome as I can see one or two people had to wait quite a long time before they heard back, I hope this does not happen to me. As it is early stages at the moment.

Coles Pet Insurance

Coles Pet Insurance

2.0  
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Scott C.
 

Nothing is covered, then as your pet gets older they will increase your premium over 50% year to reward you for your loyalty. You'd have to have rocks in your head to go with them.

RSPCA Pet Insurance

RSPCA Pet Insurance

2.8  
Angela 4 posts
   Verified

Very helpful. Called back when they said they would. Explained everything to me simply and understood my and my pet’s needs. Competitive pricing. Very happy and highly recommend. Both Karina and Emma were fantastic.

Ruff'n'Tumble Dog Accident Insurance

Ruff'n'Tumble Dog Accident Insurance

5.0  
 Summary
Ashleigh Draffen SA 10 posts
 Published  · Edited

I recently took out a policy for me 11 year old dog - whilst no claims have been made, the company is well run, responsive to any questions and it’s great to see insurance options for senior dogs!

Kogan Pet Insurance

Kogan Pet Insurance

5.0  
 Summary
Lisa
 

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

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Pet Insurance Australia

Get 2 Months' Free* Pet Insurance 🏆 2026

4.4 

Sign Up Today & Get 2 Months' Free* Pet Insurance. *T&Cs Apply. Winner Of 2025 Product Review Pet Insurance Provider of the Year.