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2Knose

Knose

 Verifiedknose.com.au
2Knose
4.7

729 reviews

Positive vs Negative
93%7%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.7
Customer Service
4.7
Value for Money
4.5

 AI reviews summary 

Knose pet insurance is highly regarded for its efficient and empathetic service, with many customers noting rapid claim processing that often concludes within 24 hours to a few days. The digital portal and app are frequently cited as user-friendly, and the customer support team is praised for showing genuine care for pets' well-being. However, a segment of long-term policyholders has reported significant frustration regarding steep premium increases as pets age, alongside occasional technical bugs during portal transitions.

Pros
Rapid Claim Turnaround: Many claims are processed and paid out within 24 to 48 hours, providing quick financial relief during stressful periods.
User-Friendly Digital Tools: The online portal and mobile app are generally praised for making the invoice upload and submission process seamless and straightforward.
Empathetic Customer Support: Staff are frequently described as professional, kind, and genuinely concerned about the health outcomes of the pets being insured.
Proactive Communication: The company provides regular status updates via email, keeping owners informed as they collect clinical notes from veterinary clinics.
Cons
Age-Related Premium Hikes: Multiple long-term users reported premiums doubling or tripling as their pets reached senior years, leading to claims of being "trapped" due to pre-existing conditions.
Portal Technical Issues: Some users experienced significant bugs, login errors, and "roadblocks" specifically related to a transition between old and new system versions.
Lack of Direct Vet Billing: Unlike some competitors, Knose generally requires owners to pay the full vet bill upfront and seek reimbursement rather than offering "gap-only" payments.
Delayed Support Responses: While many find the service fast, a minority of reviewers highlighted instances of being "ghosted" or waiting weeks for email responses on complex claims.
Verdict

Knose is an excellent choice for pet owners seeking a technologically modern insurer with high-speed reimbursements and compassionate service. However, prospective customers should be prepared for potentially sharp premium increases as their pets age, which may impact long-term affordability.

729 reviews
5 Carole  · Extremely quick response to my claim and paid out very promptly
5 Dave  · Excellent communication, easy process, helped with making sure the condition was covered (pre-approval) and very fast reimbursement
5 Jan O  · It was easy to submit my claim and the response was positive, with the the rebate arranged promptly Thank you!
5 K and Mali  · Great communication. Very quick response to claims. Very happy with the service so far
5 Pedro Leston Martins  · Great to deal with. Get my insurance claims approved pretty fast
5 Nusrat Homaira  · Very prompt service and very short wait period , resolved within 24hours
Oliver
Oliver
 

Extremely quick and has always been helpful when my claims have been more complicated. Genuinely seems to want to help which is the first thing you want in an insurer. Show details ·  1

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Joanne L
Joanne LVIC
  Fair Incentive

Since Sunny joined our family, he has had a few minor health issues. We are very grateful that Knose was able to reimburse our claims quickly. Their customer service team has been wonderful — friendly, caring, and always willing to help. Knose truly helped us when we needed it most. Thank you so much! Show details ·  1

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Catherine B.
Catherine B.2 posts
 

It was a rough start but the team needed the history of the kitten which made sense it was difficult relying on the vet to ensure knose was updated and I didn't know where things were at on our 1st claim BUT now with knose having a record and history of my kittens claiming with them is so easy! My boy Cheeto is always getting into trouble and had… Read more ·  1

a few vet visits to say the least but knose are so quick and understanding of how kittens are and file my claims straight away been so amazing thank you so much team

Reviews with attachments

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Kardina Gilbert
Kardina GilbertQLD6 posts
 

I could not be more happy about KNOSE pet insurance. They are great at communication, timely with payment, and a genuine care for the pets. Highly recommend! Show details ·  2

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Sam
SamWA5 posts
  Verified

Knose is an amazing insurance company I had a very tragic case with my 10 month old puppy Not only did they quickly handle things , they genuinely cared about my dog and myself. When I called to follow up with a few things not only did the staff immediately remember myself , she said she had been wondering how Crowley was going. Such a small… Read more ·  1

thing meant so much to me No at this time they don’t have gap pay but they’re so helpful and worked with me in my very stressful time Each customer service, claim, and manager I dealt with went above and beyond My old girl is now going to be with them and they’ve now got a life long customer

I can’t thank knose enough for the support and professionalism they carry. I will always recommend them to anyone And any fur doggie in my life I know will be so well taken of

From my family to Knose team Thankyou for everything

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Julie V.
Julie V.QLD2 posts
  Verified

Our Cavalier Charlie, has had to have two rounds of surgery recently. Our claims were approved with no hassles and paid promptly. The staff are always supportive and friendly and show a very caring nature in regard to Charlie. This caring attitude makes it more personal for us. Very happy with Knose. Show details ·  1

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Eliza
ElizaTAS
 

Knose have always been excellent with claims for my dog Nova! Show details ·  1

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Phillip
PhillipVIC8 posts
  Verified

Amazing service and communication was outstanding. Submitting the claim was super easy aswell. I so happy we decided to go with Knose for peace of mind. Show details ·  1

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APRIL MATTERS-SMITH
APRIL MATTERS-SMITHSA3 posts
 

Pre-approval completed in less than a day, allowing me to have my insurance pay my vet directly for unexpected vet costs when my cat broke his leg. Show details ·  1

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Linda W.
Linda W.QLD
  Verified

Our beautiful little baby dachshund seems to love eating everything but the food we put in her bowl! We have had 2 trips to emergency vet in her first 6 months of life and Knose has been there for us both times. Considering we are new clients and her first stint was at 3 months I am overwhelmed with their support and coverage. It was such an… Read more ·  1

easy process to claim and such a relief to know we could fix our little girl without financial burden. I don't know if we could have afforded to help her the second time if it wasn't for Knose. We are for ever grateful and will be lifetime supporters. Thank you Knose for saving our little baby.

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Janeane S.
Janeane S.NSW4 posts
 

Knose pet insurance is the best!! You receive up to 90% back, of the money you've paid out, it's a win win!! They are always very fast in their reimbursements and they send you step by step updates!! Highly recommend!!! Show details ·  1

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Horacio L.
Horacio L.VIC
  Verified

Like always a fast and efficient service. Thank you Knose. Show details ·  1

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Gary
GarySouth Australia
 

My Labrador Wink who is nine years old was recently diagnosed with leukaemia, She didn’t really show many symptoms and my vet picked it up at a yearly health check. I have had to make quite a few claims for blood test, MRI scans, and medications over the past weeks. The couple of times I have had to ring Knose the staff have been kind caring and… Read more ·  1

attentive, my claims have been sorted and paid promptly, couldn’t ask for a better service. As for Wink she is getting a better blood count and I hope I can get a bit more time with her, hate to think of my life without her. I have been with Knose for four years now and they have been outstanding. Like all insurances it helps in a crisis, at least now I can afford to provide my girl with the help she needs.

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GinaG
GinaGNSW2 posts
  Verified

Knose Insurance is easy to communicate with. we have our two cats insured with them and they are definitely the best pet insurer we have used before. Show details ·  2

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Stuart
Stuart9 posts
 

I have been very happy with the level said service and support from Knose. They are very reasonable with their response time and payment of your claim. Knose are accessible by phone and their staff are always helpful. Knose provides a fantastic service to pet owners. The policy has great cover and a reasonable price. Show details ·  1

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paddy and janet
paddy and janetVIC
  Verified

i have a german shepherd dog and we took out the 90% coverage policy nearly 3 years ago when he was about 5 months old. my dog had come with a 2 month 'free' insurance policy from another company, putting the idea of insurance into our heads so that when it ended, we decided to look for a company people trusted and were prepared to talk about. … Read more ·  1

i read a lot of reviews and terms and personal anecdotes of pet insurers before i settled on Knose. we didn't have to use it for a few years and the price rose a little over those years, but in a fairly reasonable way. at times we wondered if it really was something we needed, then spud needed veterinary care. the veterinary care was in the thousands of dollars and is still ongoing at this time. it took a bit longer than we expected to hear back from our first claim, and that turned out to be because the vets we had gone to, who had done his shots and check ups, in a small country town, didn't reply very quickly ,or at all, to knose's requests for information. once we spoke to knose it progressed at a perfectly reasonable speed. and all claims since have ranged between a week and a few weeks. one bit of one bill didn't fall within the policy coverage, and honestly, we understood that when we thought about it. the representatives we have dealt with have been kind, thoughtful and supportive and i have no complaints about a single one of them. i have left writing a review for months now because its hard to write a review before you really see how the company, or product, works for you. so i now i know how our claims for spuds treatment unfolded, and if you've decided to get pet insurance, then i really can recommend Knose based on my wife and my personal experiences.

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Tim
TimQLD
 

Been with Knose for close to four and a half years now; we covered our new puppy as soon as we were able. In that time, Knose has been nothing but easy to deal with and they continue to provide easy claim submissions and prompt management and payment of claims. If there is any delay (usually delays in the Vet providing the required details) we… Read more ·  1

are kept informed. The return on eligible claims is the best I have seen (90%). I strongly recommend to friends considering Pet insurance to include Knose in their considerations.

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Jackie Holman
Jackie HolmanNSW4 posts
  Verified

Knose pet insurance does it again! My dog injured his leg and my rebate & speed of the claim refund was excellent. I always say Knose is the best pet insurance I have ever used! Show details ·  1

Latest follow-ups

PaulJames
PaulJamesNSW7 posts
  Verified

This coy. has the most clunky claims process imaginable. After 1 successful claim through their so-called Pet Portal said Portal now refuses to accept any claims docs. After my vet submitted invoice & paid receipt, I was told not to use the generic… Read more

claims address of "claims@knose...." When I did use their Portal nil action therein for 11 days till I rang to complain. Had sent all vet notes with the paid invoices but same got "lost" in their wonderful Portal as "file was too Big" ! Truly Amateur Hour ! I dumped the awful Pet Insurance Aust & the Filipino run Bow Wow Insurance for this lot but BIG problems here with alleged "new" and "old" Portals running simulataneously.

 Follow-up  · I am told new portal to be operational by November. Not sure why it takes so long in this age. They sent me a supposed link to the new but means I have to dump my standard password & creat yet another.Haven't bothered using it.

Knose
Knose    

Hi Paul, thank you for sharing this and we sincerely… Read more

Ian
Ian2 posts
 

We had a genuine issue with our 15 month old Golden which resulted in a significant vet bill. Knose process for claiming was simple, their correspondence was excellent and the result and refund was exactly as advertised. We would recommend them to anyone. Show details ·  1

 Follow-up  · Q1 - What was the issue. She stopped eating, stopped pooping, stopped drinking, looked to be in pain. We feared an intestinal blockage. It wasn't fortunately, it was a gastric bug of some sort. Probably ate a lizard or something. But still we had to go through the process of ultrasounds and overnight stays, on a Sunday of course, so SASH is the… Read more

twkitch
twkitchWA37 posts
 

Quick to take your money but forget making a claim they steal make excuses then ghost you. Forget these clowns get pet insurance with someone honest and reliable Show details

 Follow-up  · Soon after writing this review they reached out, surprise surprise. Out of the $1005 claim after excess and some other nonsense charge they ended up reimbursing me $644 There are far better insurers our who I will be changing too

Knose
Knose    

Hi, we’re sorry to hear this. Could you please reach out to us with your details so we can look into this for you?

Pet Insurance

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Positive reviews

Chris
Chris
 

Knose has been absolutely incredible. My dog developed a chronic condition after a few years with no or minimal claims, and Knose never knocked back a claim, and teams provided faultless service. (1) Easy to use and seamless claim portal - just upload the invoice, (2) Professional and friendly staff, who respond process claims quickly - typically… Read more ·  1

within a few days, (3) When there are delays while Knose are collecting more information from vets, they keep me updated - I'm never left wondering what the status is. I have recommended Knose to otherse.

katewild75
katewild754 posts
  Verified

Best pet insurance company I could find and word of mouth from friends put me onto them. So far very happy including straight forward and decent claims process, and fast. Appreciate getting that when you pay premiums for insurance. Speaking of which, good options for higher excess with large percentage paid out. Highly recommend. Show details ·  1

David
David2 posts
 

Our dog required a vet visit to address a gut infection. Treatment was provided and the invoice paid. We submitted our claim to Knose per insurance, who we have been with for four years, and we were delighted to have our claim processed the same day with funds deposited into our account that evening. Amazing service and response. Thanks, team. Show details ·  1

Negative reviews

kerrie
kerrieQLD26 posts
 

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 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. Show details

Knose
Knose    

Hi Kerrie, we're really sorry to hear about your… Read more (+1 reply)

Adrian
Adrian2 posts
 

Avoid this dodgy company at all costs. I have a 10 months old puppy, and Knose was recommended by the breeder. We went with Knose base of the breader recommendations and heaps of highly rated reviews (which are most likely fake). We never had an issue with our dog, so we haven't claimed anything until this weekend - this was a small claim for an… Read more

injection due to the dog vomiting. I logged the claim and never heard back despite sending emails to their support email. The claim also doesn't show up in their buggy portal despite receiving an email with confirmation. I escalated with AFCA as this company is completely useless. Once I receive my money back, I will cancel the insurance straight away - my dog has no preconditions so I have no issues moving to a different, much better provider.

RIT
RIT
  Verified

My claims have progressively taken longer and longer to be processed.... now taking 4-6 weeks which is unacceptable. Don't be fooled with the $20,000 coverage, you will be in a world of pain with the hassle of not being able to claim on the spot at the vet, and long processing time. They do not respond to any email and even their CEO [Name Removed] also ignored my email. I am now forced to escalate the matter with the ombudsman, AFCA. Show details

Knose
Knose    

We are very disappointed to hear that you have not received… Read more

Recent reviews

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paulburic
paulburic2 posts
 

Please read this review to make an informed choice about Knose Insurance. Their conduct in unconscionable which only becomes evident as your dog becomes older or you need to make claims. Ihave insured my two dogs with Knose for some years now. They are both Griffons, one is five years old and the other just turned 10 years old. The older Griffon… Read more

has had a number of claims over the years totalling $6012.88 as advised by Knose for various issues of which $2992 was incurred in the last policy period. I have just received my policy premiums for each dog. The younger dogs premium increased from $92 per month to $100. The older dogs premium increased from $146 to $284! Now here is why I believe Knose is deceitful. When I queried why the premium for the older dog had nearly doubled I was advised both verbally and later in writing that it was due to a number of factors including age, breed, location, claims history, veterinary cost inflation and claims experience for similar pets. I queried Knose Insurance about why when did my younger dogs premium increased by only $8 when they are the same breed, go to the same vet and live in the same location? The only difference was age and claim history. When I asked whether doubling the renewal cost was a strategy by Knose to discourage older dogs having their annual policy renewed, they denied this. Knose don’t tell you when your dog is young that premiums jump significantly as they get older or your pet needs medical support. That is only revealed come policy renewal time. If it wasn’t for the fact that I had a younger and healthy same breed dog, o would have fallen for their deceitful reasons. The facts are absolutely clear that Knose Insurance want to reduce risk and old age and claims history is identifiable risk which data they use to adjust your premium to a level that discourages you from renewing your policy. There are similar stories to mine in other online reviews. Please do your research and make an informed decision because the pet insurance industry is not what it leads you to believe. They simply do not care about your ageing pet.

Knose
Knose    

Hi Paul, We hear you - a large premium increase can be… Read more (+2 replies)

Lino
LinoACT6 posts
 

The claim experience with Knose is seamless and efficient. Once I upload my invoice, they do all the work following up with our Vet. Claims are resolved quickly. Show details ·  1

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