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2Knose

Knose

 Verifiedknose.com.auABN: 96619770973
2Knose
4.7

806 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 

Pros
Claim speed: Processing and reimbursement often occur within a few days, with some settlements completed in under 48 hours.
Submission process: The online portal and app provide a straightforward way to upload invoices and medical notes for review.
Staff interactions: Support teams are knowledgeable, polite, and show genuine interest in the well-being of the pets being covered.
Communication: Regular updates regarding claim status and clear explanations of policy coverage are provided throughout the process.
Cons
Premium increases: Significant rises in monthly costs occur at renewal, particularly as pets age or after claims have been made.
Platform stability: A transition between portal systems has caused technical errors, login difficulties, and missing claim records.
Response delays: Wait times for phone support and email replies can be lengthy during periods of high claim volume.
Payment options: Policies do not currently support gap-only payments at the vet, requiring the full bill to be paid upfront.
Verdict

Knose is highly regarded for its efficient claim turnaround and supportive customer service team. However, users experience frustration with substantial premium hikes for older pets and technical issues following recent system updates. While the digital submission process is generally simple, the lack of a gap-payment feature remains a practical drawback for some.

806 reviews
5  Kate C.  · I'm very happy with the easy claims process and seamless transactions for my refunds
5  Sarah  · Knose is a great insurer. Easy to make claims and they even send a cute personalised note wishing my pet speedy recovery.
5  Roger  · Very quick evaluation and settlement of claims - a very efficient website.
5  EWKRose  · Had a very fast turnaround for processing a claim that i raised for my dog's visit to the vet. Approval came in 2 days and the funds deposited on the third day!
5  Happy customer.  · Always Excellent service thank you for looking after our dog tonic. Having Kose insurance gives us peace of mind.Thank you.
3  Mal and Penny Leggett  · Easy interface. Great communication and service. But very steep rises in premiums year to year. Not as good value anymore.
Jason
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 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… Read more

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!

Anita
Anita WA
 

I was happy to find a pet insurer that covers my dog's breed when others didn't have it listed. My dog is a senior, and the premiums are very fair. I've always been treated with respect, and the claims process is simple with a very efficient turnaround time."

Ask the reviewer
Lynn
Lynn 2 posts
 

This is my second review of Knose, I have had my dogs insured with them since 2021. Compared to the previous pet insurance company I was with Knose are very efficient, it is easy to lodge a claim and they payout promptly.

Ask the reviewer

Reviews with attachments

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Kirsty B.
Kirsty B.
 

I have very happy with the amounts back in rebates that l have received from Knose when l have had to take my dog to the vet. Show reply

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Harry
Harry TAS 2 posts
 

Absolutely great to deal with certainly makes it easy when things are a simple process Show reply

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Joy Houghton
Joy Houghton NSW 3 posts
   Verified

An insurance company that was actually there when my pet needed them I have three cats insured with Knose, and after my experience with Cleo’s recent dental treatment I genuinely wanted to take the time to leave them a great review. Cleo needed significant dental care, and Knose’s coverage took an enormous amount of financial stress out of an… Read more ·  1

already worrying situation. As a pet owner, there is nothing worse than having to think about money while you’re trying to make the best medical decision for an animal you absolutely adore.

The real test of pet insurance isn’t when you’re paying the premiums - it’s when your pet actually needs treatment. Knose was there when Cleo needed them, and that means an enormous amount to me.

I’m incredibly grateful for the level of cover I chose and for the way her dental care was handled. The experience has also made me very happy that I chose Knose for all three of my Sphynx cats - Cleo, Luna and Zeus.

Thank you to everyone at Knose who helped with Cleo’s claim. You didn’t just help pay a veterinary bill; you gave a worried cat mum the freedom to concentrate on getting her baby the care she needed.

Five very enthusiastic stars from me - and three slightly wrinkly ones from Cleo, Luna & Zeus. ⭐️⭐️⭐️⭐️⭐️

THANK YOU, KNOSE! Love, Cleo One very grateful (and freshly dental-ed) little wrinkle

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Tess
Tess Queensland
 

All the workers that dealt with my claims were really nice and kept me updated throughout the process. I’ve only been with Knose for less than a year but they have helped so much with my cat’s vet bills. Thank you! Show reply

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CeddysMum
CeddysMum VIC 4 posts
 

My soulmate cat was very ill, needed late night emergency hospitalisation and I accumulated several invoices and medical reports over just 10 days of back and forth to the vet's due to relapses. As simple as Knose makes the claims process, I still managed to mess it up with my stress muddled brains :/. So I placed one phone call to Knose… Read more ·  1

customer support, she was very understanding and sorted everything out for me right there and then, even asked if I'm experiencing financial hardship due to the quite large bills and said they aim to assess claims within 5 business days. To my surprise, I already received the approved assessment outcome the next day (a Friday) and the money was deposited on my account the following Monday. We still need to have more check-ups to make sure my girl hasn't developed chronic issues but she is feeling so much better and I can't even say what a huge relief it was during all that stress not having to worry about the cost of her treatment because she's insured. She's on the highest level possible and the peace of mind is worth every cent. Thank you Knose, I have and will continue to highly recommend you.

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Tim
Tim QLD
 

Two related claims, a week or so apart, were processed promptly, but a minor delay was communicated, and so I was kept informed. Both claims settled together at 90% payment. We have always had well-informed and prompt service and payment from Knose, and due to several claims, have had great value for our premiums paid. I would highly recommend… Read more ·  1

Knose, especially if you sign your pup up as soon as possible before they have any pre-existing conditions.

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Jodi E
Jodi E
 

Excellent communication from start to finish of my claim, I appreciated the claim status updates along the way and how assessor's contacted the vet directly. Easy online processes and affordable prices. Show reply

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Erick
Erick NSW 4 posts
 

I’ve been with Knose for about 9 months, ever since we brought home Ruby, our little Cavoodle. We’ve made two claims so far, and both were accepted without any issues. Our experience has been very positive, and I hope it stays that way! Show details ·  1

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Joanne L
Joanne L VIC
   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 reply

Find out how Knose compares to other Pet Insurance

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Kardina Gilbert
Kardina Gilbert QLD 6 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 2 replies

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Sam
Sam WA 5 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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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

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Julie V.
Julie V. QLD 2 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
Eliza TAS
 

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

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Phillip
Phillip VIC 8 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

Latest follow-ups

John C
John C NSW 4 posts
 

Reliable Pet Insurance – I have been with Knose since our dog was a few months old five years ago. Unfortunately I have had to make several claims, one major one within the first twelve months, and they have always been settled satisfactorily and promptly. We had never… Read more

insured our pets previously but have reflected on many occasions how glad we are to have taken out this policy when we did.

 Follow-up  · The last 12 months claims have been problematic. Apparently they had a system upgrade last December and since then nothing has happened with a claim without me ringing up to query the delay. Customer service have been very receptive and claims paid within a day of my call. Very frustrating though. Premiums have increased with the age of my dog which is to be expected but still considered reasonable

LLK458
LLK458 NSW 5 posts
   Verified

Claim from lodging to payment flawless in 7 days. No issues at all. Show details ·  1

 Follow-up  · Best insurance company of any that I’ve ever dealt with. Good job Knose

Jon Gatland
Jon Gatland QLD 5 posts
   Verified

Solid company that pays out quickly. Hasn’t raised our fees quickly either so can only say good things at this stage. Been with them a few years and started to claim a bit more as old mate ages. Show reply

 Follow-up  · Since my review my fees have gone up quite significantly. In saying that, our claims have gone up a lot too so I can understand this. The portal currently doesn't show recent claims as it is updating, however normally they show clearly.

Find out how Knose compares to other Pet Insurance

Know better, choose better.

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Positive reviews

Marion & Sunghee C.
Marion & Sunghee C.
 

Knose’s claims process has always been stress-free and easy. The process from the submission of the claim to approval can be a little slow and usually takes around 2-3 weeks for it to be processed. However, once approved, the money is paid out very quickly. They have never unfairly denied any of our claims and have always reimbursed us the partial cost of our vet bill. We are quite happy with Knose and would recommend it others. Show reply

ShanJack
ShanJack VIC 2 posts
 

Excellent communication and streamlined process. Happy with service and outcome after our 4month old Labrador ate a tube of xylitol toothpaste. The only negative is that we weren’t able to make the claim (pay the gap only) on the spot at the vet clinic, full payment was required and to be claimed back. I imagine this could be difficult for some Show reply

Fiona
Fiona 3 posts
 

Fast and fair service! Claims submission was easy to navigate :) Claim was approved and paid out very quickly. This is exactly what a customer wants in an insurance provider! Show reply

Negative reviews

Geof
Geof Victoria 14 posts
 

In the 3 or 4 years I have been insured with Knose they have been OK with their claims payout but now they are difficult to contact and don't respond to calls or emails. I wouldn't recommend them now - there are many funds to choose from these days. I would welcome recommendations.

Knose Pet Insurance
Knose Pet Insurance    

Hi Geof, thank you for sharing this, and… Read more

gsollyfrankie1
gsollyfrankie1
 

I’m here again, as I’m still not happy, I’m waiting 3 wks now for a very simple claim, havent heard a thing,but that is standard for this so called company, also I sent an email about their list of categories when submitting a claim, well that was 2 wks ago and still nothing, funny coz they say they get back to you in 2-3 business days … well no… Read more

they DONT!!! Surpriseeeee! Edit : So I called them today to chase it up and they hadn’t even contacted the vet for the notes to do the claim … this is not the first time I’ve had to chase them up, actually I think it’s called prompting them to do their job, I’m sooo over this place paying premium prices for absolutely zero service!!!

Knose Pet Insurance
Knose Pet Insurance    

Hi there, thank you for sharing this, and… Read more

Amanda J.
Amanda J. WA
 

Wouldn't recommend Knose! Have been a client for 6 years and every year, the premium jumps a whopping 25% and more! They use the reason because of age, cost of services etc, well private health Insurance is similar and my premiums never rise as much as my pet insurance! Don't even get me started on the claims process... The portal is outdated… Read more

and everytime I lodge a claim, I'm having to wait weeks for for the claim to be assessed! I have a current claim I submitted 2 weeks ago and have received 0 communication, I have sent 4 emails and all have gone unanswered, this is totally unacceptable! And if you are lucky to receive a response, it's "we are waiting on vet notes" (everytime) which delays the claim even longer.

We pay big dollars to make sure our furry friends are covered, but insuring with Knose is not worth the stress. If and when my claim is finally assessed, I will be cancelling my policy and looking elsewhere. Enough is enough!

Knose Pet Insurance
Knose Pet Insurance    

Hi Amanda, thank you for sharing this, and… Read more

Recent reviews

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caroleous
caroleous 10 posts
   Verified

I've been a Knose customer right from when they started out. My dog turned 9 this year - still fit as a fiddle. However my Knose monthly premium went from $92 to $217. Why? Well I guess they only want to cover dogs who are an easier profit. I had hoped that Knose was different and actually cared about animals, but I guess not.

Knose Pet Insurance
Knose Pet Insurance    

Hi Carole, thank you for sharing this, and… Read more

Rebecca S.
Rebecca S.
 

I am extremely disappointed in the turn around time for claims and the customer service from this company. I submitted a claim almost 2 weeks ago for my dog and have had 0 updates. I have sent multiple emails to which I have had no replies. I contacted customer service on Friday to request an update and was told they would escalate getting notes… Read more

from the vet but I am still waiting. Surely they could chase up required notes in a timely matter to ensure a timely turn around on the application. I consistently pay a considerable fee monthly to ensure financial protection should something come up if my dog needs it but being out of pocket this long after paying the fee is absolutely ridiculous. They are also apparently doing updates to their online portal which has led to not being able to track the application process what so ever. Very disappointed and I wish i had gone with a gap only insurance instead.

Knose Pet Insurance
Knose Pet Insurance    

Hi Rebecca, thank you for sharing this and… Read more

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