Pet Insurance Mozo Experts Choice Awards 2025

Mozo Experts Choice Awards Methodology 

How did we choose the 2025 Mozo Experts Choice Pet Insurance Award winners?

Our approach to insurance awards is to seek out and reward:

• Exceptional Value - Insurance that’s among the best-priced for the main features it offers, based on a comparison of prices for selected customer scenarios.
• Exceptional Quality - Insurance cover that leads the market in the generosity of additional benefits and flexibility of options - irrespective of price. 

Analysis is based on Mozo’s collection of premium prices in June 2025 and policy features as of July 2025.

Exceptional Value 

Our assessment of Value is based on finding the most affordable policies for a given level of cover. 

To compare pricing we gathered a range of online quotes covering a range of ages for both cats and dogs. Breed is a significant pricing factor for dogs so after examining the pricing variations for a wide range of breeds we gathered quotes for several common breeds at different ages, to cover an indicative pricing spread for each insurance company. For cats, we considered prices for both pedigree and non pedigree pets.

The amount of money an insurance company will pay out on any claim depends on their benefit percentage and on an annual benefit limit expressed as a dollar figure. Policies may also have a per-claim excess or an introductory discount. When comparing prices of pet insurance, the Mozo team allowed for these differences. Once each quote was adjusted, they were ranked in order from cheapest to most expensive for each of the different breeds and ages. Then we looked at how often each insurance company was among the cheapest, by awarding points based on their ranking in each quote scenario. Policies with a low limit applied per condition across every condition were excluded. This methodology rewards the insurance companies who are most likely to be good value for the most pet owners.

Exceptional Quality

Our Quality awards are based on the generosity of benefits and flexibility included in the insurance policy. They do not take price into account. 

To determine which insurance companies offer the best cover on their policy, we looked for the product with the best offering across a range of areas. The key factors that differentiate the best from the rest is as follows:

• Benefit percentage 
• Excess options
• Annual benefit limit
• Emergency boarding when you are in hospital
• Routine care
• Free phone vet consultations
• Dental cover
• CT and MRI scans
• Cruciate ligament treatment
• Hip surgery and replacement
• Hip joint surgery (Hip Dysplasia)
• Tick paralysis
• Theft or straying
• Death from illness
• Brachycephalic Obstructive Airway Syndrome (BOAS)
• Foreign body ingestion
• Patella luxation
• Legal liability

Any policy that did not offer at least a $12,000 annual benefit limit was excluded from consideration for this category. Where the annual benefit limits for dogs and cats differed, both options had to qualify in order for the policy to win.

We relied on product information in each insurance company’s Product Disclosure Statements, and on their websites, to assess cover and benefits. 

Australia’s Best Pet Insurer

In addition to the winners in the Exceptional Value and Exceptional Quality categories, we chose Australia’s Best Pet Insurer for 2025. We examined providers who achieved awards across multiple categories and determined which has demonstrated the best result in terms of depth and breadth of awards. We looked at the number of awards, the relative importance of the categories in which the awards were won, and the relative difference in price or cover within award categories.

Important information on terms, conditions and sub-limits

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.

How we manage conflicts of interest 

Mozo Experts Choice Awards are awarded irrespective of a product provider’s commercial relationship with Mozo. The Awards are based on objective verifiable facts and analysis wherever possible, and any assumptions made are set out in this report. Mozo’s research team analyses product data and determines the winners in each Mozo Experts Choice category without reference to Mozo’s sales or commercial functions. 

Providers do not pay to enter the Mozo Experts Choice Awards. 

Should a winning provider wish to use the Mozo Experts Choice Awards badges in their own marketing activities, Mozo charges them a license fee.