Updated 28 April 2026
Insu.
Honest Australian pet insurance, ranked.
Every Australian pet insurance brand ranked by the Insu Score (0–100) — all 19 verified brands reviewed. PDS audited. Real quote pricing. Underwriter-mapped. Methodology on the table. No signup required to read.
reviewed
top to bottom
Insu Score
Top of the table
The current ranking.
All scores update as audits land. Most still partial pending an affordability quote at the standard benchmark — 3 of 19 are fully scored on all components today.
What we publish
Three things, done well.
Insurer reviews from real PDS reads. Underwriter exposés most comparison sites won't touch. The methodology that scores them all, on a single page.
The Insu Score
0–100 weighted across coverage depth, affordability, trust signals, and customer experience. Formula on the page. Version history. Honest data limits.
Read the methodology → Insurer reviewsAll 19 verified AU brands audited
Every review starts with a current PDS read — 8 features audited per brand. Real quote samples where captured. Underwriter chain disclosed.
Browse the reviews → Underwriter exposésWho actually pays your claim
Two underwriters control 15 of 19 verified AU brands. Most consumers never see this. We map the relationships, transition dates, and complaint history.
See all 7 underwriters →Featured
Worth reading.
Australian Pet Insurance Statistics 2026 — full 19-brand dataset
Two underwriter families administer 14 of 19 brands (74%). Insu Scores range 36 to 76 (median 49). Only 6 of 19 brands include dental as core. The dataset behind every comparison page on this site — citable, source-attributed, and updated quarterly. Use the figures freely with attribution.
Open the dataset → New · Real quotesCheapest pet insurance in Australia — real quote prices compared
PIA $939/year is cheapest at the standard benchmark. BWM $949 is $11 more for 33% more cover. Petsy at $1,566/year is roughly 65% more expensive — despite three years of Canstar Outstanding Value awards. Three real captured quotes, methodology open.
Read the comparison → New · By featurePet insurance with dental cover included as core
Four AU brands include dental illness in core cover (PIA, Knose, Pet Circle, RSPCA). Four others gate it behind add-ons or restrict it to top tiers. Side-by-side on sub-limits, waiting periods, and the $300–$1,500/year cost gap.
Read the comparison → New · By scenarioBest pet insurance for older dogs and cats
Older pets need three PDS provisions to align — signup age, pre-existing review pathway, dental in core. RSPCA PetFlex, BWM, and PIA score best on the framework that actually matters — not the brands with the cheapest year-one premium.
Read the comparison → Data journalismTwo years of upheaval: how the AU pet insurance underwriter market reshuffled, 2023–2026
11 brand-level transitions in 36 months. PetSure absorbed direct issuance from Hollard for 6 brands. Pacific International went from one brand to five. The structural shift no other comparison site is talking about.
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About
Built by an independent Australian publisher.
Insu is part of a portfolio that includes Lighthouses, GPScout, DentistScout, ProviderScout, DecisionLab, and a handful of other Australian directory and comparison sites.
We don't take payment from insurers to influence our rankings. We do earn affiliate commissions when readers click through to insurers and buy a policy — those commercial relationships are disclosed on every page that contains an affiliate link. The Insu Score is calculated identically whether or not we have an affiliate relationship with the insurer. More about Insu →