Best Pet Insurance

I researched many pet insurance plans, and found that Bow Wow Meow offers the most coverage Vs costs, they even cover dental procedures every year,… Read more

while many others didn’t. Dentals are always a very expensive procedure and every pet needs them eventually. I have a chihuahua, and insured her at 6 weeks old. I knew Chihuahuas notoriously need dentals at an early age, which are vital to maintain their health, so an insurance company that covered dentals was a big priority for me. My fur baby is only 4 years old now, and she has already had two dentals and both were covered. The claim process was so easy to do online, but with larger bills, I get my vet clinic to process it on the spot, which is done within 15 minutes, and all I had to do was pay the gap. The insurance plan I chose, covers 80% of the cost, which is significant with a $2,000 dental bill. Although pet insurance is quite expensive in itself, the relief it gives me is unmeasurable. My dog is my everything, and sacrificing insurance payments every two weeks, is a small price to pay for the peace of mind I have, knowing she is medically covered. My financial position is not good, living on a pension, but I was able to nominate the day the payments come out and the gap fees are achievable for me to save for, or pay off. I never have to worry about the vet bill, which is a significant relief, during an already stressful time when your pet is sick or injured, so I recommend that even if you are financially struggling, it is an investment you need and won’t regret. The only thing cheaper than pet insurance, is religiously putting money aside every payday, solely for future vet care, but if you’re anything like me, and saving large amounts of money for lengthy periods of time, is near impossible not to dip into, then pet insurance is definitely the best option.

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.

Never had any issues with claiming, they always are clear with the communications Show details

Super speedy claim payment for ongoing medication - I am very happy! Show details

Very happy with the simple and fast claims process. There were no hidden gotchas, it was exactly as we expected. Will definitely keep with Petsy Show details

Very impressed with the annual premium rate.....hundreds of dollars cheaper than my previous insurer. A long and extremely helpful phone call with… Read more

Sandra from Sydney. She was very thorough, explained everything clearly, and was also charming and friendly. Can't fault the company or her!

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.

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.

I’ve been insured with them for the past 3–4 years and barely needed to claim. This year was different. My puppy, Dottie, was diagnosed with cancer.… Read more

It was overwhelming and scary. In the middle of all of that, the last thing you want is stress around money or claims. They made it easy. Claims have been processed quickly. Gap-only claims are simple and seamless. No back and forth. No added pressure. That peace of mind matters more than anything when your focus is on your pet. Yes, premiums go up over time. But when something serious happens, you see exactly why you have it. I’m genuinely grateful for the support during a really tough time.

Staff are always very friendly whenever I ring to make an inquiry. It is also very easy when making a claim at the vet. I highly recommend Everyday Pet Insurance. Katrina was especially helpful. Thank you Katrina Show details

Easy to do and found that you offer annual subscriptions, where some pet insurance companies don't. It was clear and easy to navigate. Show details

We have been on a journey with our beautiful 3yr old Staffyxrottie over the last 6 months as she had injured BOTH her cruciates. She has undergone 2… Read more

surgeries and on top of that the dreaded skin conditions her breed is prone to! Pet cover has covered all of the treatment she has had for both conditions (outside our excess and any further preventative measures we opted for). Honestly a lifesaver being insured with Pet Cover. Any other company would have only covered max 80% of the costs...

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!!!

We've had pet insurance with RAC but its clunky because the insurer is in fact RACQ so whilst RAC take the money and have the policy they flick any… Read more

queries about claims onto RACQ thereby delaying things. Plus RAC have been really poor with responding to policy queries but to RACQs credit they've chased this up on our behalf. Plus RAC made changes to the policy that limited cruciate ligament surgery claim payout for our dog - buried deep in the new policy. We'll be looking at another insurer when the current insurance expires...

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 joke, out of pocket nearly 3k for something they deemed as an inconclusive illness. So, my claim denied. I have now cancelled the policy… Read more

straight away. Such a joke, an illness when a vet is required should be covered. Full Stop. Not even worth one star - negative 100 stars Stay clear from Coles Insurance

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.