Australia’s Best Pet Insurance
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As pet owners, we want to give our dogs and cats the best care possible. But when an unexpected accident or illness happens, a large vet bill can add to the distress.
A great pet insurance policy helps ease that financial burden, letting you focus on what truly matters: helping Digger or Mango get better. To make finding that policy simple, we’ve done the hard work for you. The plans below are all recent winners of the Mozo Experts Choice Pet Insurance Awards.
This means our team of experts has already analysed them for outstanding value and quality coverage, so you can compare with confidence. So let’s ‘dig’ in!
How we chose the best pet insurance for 2025
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Every year, Mozo’s Expert Judges analyse a range of pet insurance policies to determine which options offer the best value and highest quality cover for Australian pets. The judges then crown the winners in the Mozo Experts Choice Pet Insurance Awards. So rest easy: according to our data and research, these policies some of the best.
If you’re looking to insure your pet, check out a few of the Mozo Experts Choice Award winners^ below. If you are unsure if your animal companion qualifies for pet insurance, check out our coverage guide, or sneak a peek at our new cheap pet insurance hub.
Australia’s best pet insurance
A top pet insurer needs to tick a lot of boxes for its customers. The following provider not only does that with its feature-packed policies, but it also ticked all the right boxes for our expert judges, earning it the title of Australia's Best Pet Insurer for 2025.
Fetch Pet Plan*
Fetch was crowned Mozo's Australia's Best Pet Insurer for 2025 after dominating the Experts Choice Awards, winning in both the Exceptional Quality and Exceptional Value categories for its dog and cat plans. It's easy to see why: a Fetch Pet Plan includes premium cover for dental, physio, and behaviour as standard, alongside a high $30,000 annual limit with no restrictive sub-limits. You can also tailor the policy to suit your budget with flexible excess and benefit percentage options.
The premium service matches the cover. An all-Aussie vet nurse manages your claims and offers the convenience of direct-to-vet payments. Plus, the handy Fetch app lets you manage your plan, track treatments, and connect with support in an emergency. Just be aware that routine care is not covered.
Other top picks
Top pick for flexibility
When you want to fine-tune the details of your policy, this recipient of an Exceptional Quality award gives you the tools to do it, offering a wide range of choices for your benefit percentage, excess and annual limit.
Petsy Pet Protection Plus*
- 5% off for each additional pet insured
- Wide range of benefit and excess options
- Insure pets from 6 months to 9 years old
Petsy offers broad protection for a wide range of accidents and health conditions, with flexible features that let you tailor your policy to suit your pet. Between its choice of benefit percentages, excess options, cover limits, and wide age acceptance (from 6 weeks to 9 years), it’s easily one of the most flexible in our database.
It also includes some less common benefits, like cover for death from illness, which can reimburse the purchase price if your pet passes away due to illness. There’s also a lifetime multi-pet discount, offering added value for households with more than one pet. All of this and more are why it took home a 2025 Mozo Experts Choice Award for Exceptional Quality. Keep in mind that Petsy policies do not include routine care.
Top pick for customisation
The next policy caught our attention for its flexible, modular design. You start with a core set of standard features and then add optional extras as you see fit, like dental or behavioural therapies. The policy's overall quality was also recognised with a 2025 Mozo Experts Choice Award for Exceptional Quality.
Knose Pet Insurance**
- Annual benefit limit of $25,000 for accident and injury cover
- Flexibility to have between 70% and 90% of eligible claims covered
- Get 10% off your first-year premium using the promo code "MOZO10"
Knose offers highly customisable coverage, almost like building your own policy. You can choose from a wide range of options for annual benefit limits, benefit percentages and excess. Plus there are some extras you can tack on, for an additional premium, for things like dental, behavioural issues and alternative therapies like physio - all within a policy that has no sub-limits. This makes it truly one of the most customisable in our database.
Make claims online or via your vet, enjoy a 30-day cooling off period, and get 24/7 access to the Pet Health Line for emergency info from a registered vet nurse. With all this, it’s no wonder that Knose pet insurance ‘scooped up’ an award for Exceptional Quality at the 2025 Mozo Experts Choice Awards. One thing to note is that Knose caps its excess at $200.
Top pick for straightforward, budget-friendly coverage
Sometimes the simplest approach is the best one. This no-nonsense policy gets right to the point, offering clear protection for common health concerns without unnecessary complexity. The straightforward, budget-friendly approach was recognised with a 2025 Mozo Experts Choice Award for Exceptional Value.
Budget Direct Pet Insurance****
- Annual benefit limit of $12,000 for illness and accidental injury
- Covers 80% of your eligible vet bills
Budget Direct Essential Pet Insurance brings you coverage for a range of common dog and cat medical concerns. There is an annual benefit limit of $12,000 if your cat or dog is accidentally injured or falls ill (sub limits apply).
In addition, it’ll cover a generous 80% of your eligible vet bill when you take your furry family members to your choice of registered vet or veterinary practice in Australia. You’ll also receive a 15% discount on your first year’s premium for a new policy purchased online. This clear and affordable approach helped the Budget Direct Essential Pet accident and illness policy take home a 2025 Mozo Experts Choice Award for Exceptional Value. Just be aware that this simple approach means you lose a little flexibility in your choice of benefit percentages and excess.
Mozo People's Choice Award Winners
Here are some of the award recipients from the 2025 Mozo People's Choice Awards for Pet Insurance, as voted by Australians.
- Pet Insurance Australia
- RSPCA
- Medibank
For the full list of 2025 Mozo People’s Choice Award winners and to find out more about how we determine the winning pet insurance policies for these awards, read the Mozo Experts Choice Pet Insurance Awards methodology report.
Pet Insurance FAQs
How do I get the best price on pet insurance?
Many factors can impact the cost of pet insurance. The level of cover you choose is a significant determining factor in the price of your insurance policy. Additionally, the size and breed of your pet and if you decide to add any extra benefits to your insurance plan can change the price.
Also, your pet’s age can play a part in the cost of your insurance policy. Some companies increase premiums as your pet gets older and the likelihood of them requiring frequent healthcare increases, so check the policy’s PDS before signing up.
What is the best pet insurance policy?
It is not about finding the best pet insurance policy, but rather the best policy for you and your pet. You should consider your budget, along with your pet’s species, breed and age, to work out which policy will best suit. Submitting for quotes from multiple providers can give you an idea of what price range your particular pet may fall into, and help you pick out which policies offer the best value for you.
Why do you need pet insurance?
While pet insurance is an expense, it’s really an investment. As the saying goes, it's better to be safe than sorry. The right pet insurance policy can give you peace of mind knowing that if your furry friend got hurt or sick, you could seek treatment without worrying about finances.
What is the best age to insure my pet?
Most pet insurance policies do not cover pre-existing medical conditions (conditions that your pet already had before being insured), so it can be worth it to invest in insurance as early as possible - which is often around 6-8 weeks old. This increases the likelihood that any medical issues your furry companion develops in their lifetime will be covered by the insurance policy.
It’s also important to budget for premiums that will naturally rise as your pet gets older and health risk increase.
* Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.