Knose pet insurance

Curious about pet insurance? Here’s what you need to know about Knose’s pet insurance policy, from benefits to exclusions and everything in between. 

About Knose

Knose pet insurance is an Australian-founded business dedicated to creating “easy, accessible, and affordable” pet care. 

Knose is underwritten by the Australian branch of the Allied World Assurance Company Ltd. 

Knose pet insurance policy

Knose has simplified the pet insurance process by offering one comprehensive policy available to dogs and cats as young as six weeks to a senior eight years and 364 days old. Instead of customising your levels of protection (aside from optional extras), you choose your annual limit, excess, and benefit percentage. 

What is included in Knose’s pet insurance policy?

Knose pet insurance comprises a standard suite of automatic benefits, such as accident and illness cover. 

You can compare what to expect in a Knose pet insurance policy in the table above. Check Knose’s product disclosure statement (PDS) for the full terms and conditions. 

What optional extras can I add to Knose pet insurance?

You can complement Knose’s policy with a few exciting optional extras, enhancing your coverage. These include vet costs for:

• Dental illness, such as gingivitis or periodontal disease (excluding pre-existing conditions and alternative dental and experimental therapies). 
• Behavioural problems, like excessive licking, fur pulling, pacing, and destructive chewing. 
• Alternative therapies,  like acupuncture, physiotherapy, and hydrotherapy. 

Remember that claims will be subject to your annual limits, excess, and conditions.

Knose also offers pet care plans separate from their pet insurance product, a monthly subscription to routine care items like paralysis and worming medication, and a $100 veterinary allowance on their highest tier plans. 

What exclusions apply to Knose pet insurance?

Like all pet insurance policies, some general exclusions apply to Knose’s coverage, especially for pre-existing conditions, intentional neglect or harm, breed-specific conditions, and interrupted coverage. 

Additionally, you may not receive coverage if you claim before a waiting period has expired or if you miss a premium payment. 

Always read the PDS for a more detailed view of insurance exclusions.

How do I make a claim with Knose pet insurance?

You can make claims to Knose either through the website (www.knose.com.au) or over email (claims@knose.com.au). They should be lodged within 90 days of treatment with relevant evidence, such as vet’s assessments, invoices, or receipts. 

Your vet may also email a copy of the invoice and any clinical notes to claims@knose.com.au on your behalf. Claims are usually assessed within five business days of receiving all necessary evidence. Any benefits will be up to your annual limits/benefit percentage once you have paid the yearly excess.

Can I cancel my Knose pet insurance?

You can cancel your Knose pet insurance policy anytime by notifying Knose via the website (www.knose.com.au), email, or phone number. Knose may refund overpaid premiums on a cancelled policy, minus compulsory charges like government taxes or levies unless you’ve claimed under the policy during your period of insurance. 

The cancellation process is slightly different if you’re on a monthly policy (instead of a yearly one). Be sure to read the PDS for the full terms and conditions.