Australia’s best pet insurance
There’s no doubt that those of us who own a furry friend love them like part of the family, but unfortunately love isn’t always enough when it comes to caring for our pets. Putting aside the costs for food and grooming, pet owners should also consider getting pet insurance for their four-legged friends.
The cost of treatments or even surgery can set you back several thousands of dollars, and unlike our own healthcare system, we unfortunately have to foot the bill to make sure our pets get the treatment they need, should the unexpected occur. Pet insurance is designed to reimburse the eligible costs we have to pay upfront to cover vet treatments for accidents and illnesses.
Luckily, our Experts have done the nitty gritty task of comparing pet insurance policies as part of the Mozo Experts Choice Awards^. Of the 32 providers compared side by side, awards were presented to a select number whose policies stood out above the rest for exceptional quality or value for money.
So, if you’re looking for insurance for your pet, here are some of Australia’s best, along with our Editors Picks…
MOZO EXPERTS CHOICE AWARD-WINNING PET INSURANCE
Knose Pet Insurance**
- Annual benefit limit of $25,000 for accident and injury cover
- Get 10% off your first-year premium using the promo code "MOZO10"
Knose won a 2023 Mozo Expert's Choice Award for Exceptional Quality and Exceptional Value Accident and Illness Pet Insurance. Knose's single, flexible policy may cover up to $25,000 each year in treatments for eligible accidents and injuries, with the option to have 70%, 80% or 90% of eligible claims covered by the policy. You’ll be able to make your claims online or through your vet, and can include optional extras (for an increased premium) to cover things such as dental illness, behavioural problems, and alternative therapies like acupuncture and physiotherapy. Knose also claims no sub-limits apply.
Petsy Pet Insurance***
- $25,000 annual limit for accidental injury and illness
- Covers up to 90% of your eligible vet bills
Petsy Pet Insurance offers a maximum annual benefit limit of $25,000 for accidental injury and illness if you take out their top level of cover. Their top level of cover may also reimburse up to 90% of your eligible vet bills. You can also customise your policy by not adding optional extras like dental, behavioural problems, and alternative therapies cover or, lowering your annual benefit limit to $10,000, reducing your benefit percentage to 80%, or opting for a $150 annual excess.
MOZO EDITOR’S CHOICE PET INSURANCE
Pet Circle Pet Insurance*
- 100% Australian owned
- No sub-limits (T&Cs apply)
- 3 benefit percentage options; 70%, 80% or 90%
With an annual benefit limit of up to $30,000 (subject to any chosen annual excess) and 3 different options for the Benefit Percentage you get back on claims 70% 80% or 90% (subject to annual excess), Pet Circle Pet Insurance could be a great choice for your furry friend. Pet Circle’s excess is paid annually, unlike some other providers and you can choose what level of annual excess you need, from $0 to $150.
With optional 360º Care you’ll get included dental care, cover for behavioural problems, plus, cover for support therapies such as acupuncture, physiotherapy, and hydrotherapy. (T&Cs apply).
Budget Direct Pet Insurance***
- Annual benefit limit of $12,000 for illness and accidental injury
- Covers 80% of your eligible vet bills
Budget Direct 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, they’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 quoted online.
Pet Insurance Australia Pet Essentials***
Pet Insurance Australia’s Pet Essentials policy comes with no waiting periods for accidental injuries as well as an incremental 5% multi-pet discount, up to 15% (or three pets on one policy). It has an annual benefit limit of $6,000, cover for up to 90% of eligible vet bills (for pets under eight years old), up to $500 cover for emergency boarding fees and more.
Fetch Pet Plan**
Get dental, physio and behaviour cover included as standard with a Fetch Pet Plan. You can enjoy $30k insurance cover with no sub-limits and get an all Aussie vet nurse team to manage claims. Plus, claims are conveniently paid directly to your vet.
Day or night, the Fetch vet team are just a tap away. Chat to them in-app, or call 24/7 for emergencies. You can manage your pet's plan, treatments, and claims with a a single tap, direct from your mobile phone.
* 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.