Compare
Compare Australian pet insurance.
Ranked head-to-heads using real PDS data and quote sampling.
Single-page comparisons that pull together our individual insurer reviews and the Insu Score into the format that's actually useful when you're shopping. More pages added as our review directory grows.
Headline rankingBest pet insurance in Australia, April 2026
Eight brands ranked by the Insu Score with real quote pricing for three. Pet Insurance Australia leads at 76. Coles has the highest theoretical cover yet the worst customer rating. The full ranked list, side-by-side feature comparison, and "best for X" picks.
By priceCheapest pet insurance in Australia — real quote prices compared
Real quote samples for three brands at the standard $15k cover, 80% reimbursement benchmark. PIA $939/year is cheapest. BWM $949/year is $11 more for $5,000 more cover. Petsy at $1,566/year is roughly 65% more expensive per dollar of cover, despite holding three years of Canstar Outstanding Value awards.
By featurePet insurance with dental cover included as core
Four brands include dental illness in their core PDS — PIA, Knose, Pet Circle, and RSPCA PetFlex. Four others gate it behind the optional add-on or restrict it to the highest-priced tier. Side-by-side comparison of dental sub-limits, waiting periods, and what counts as dental illness vs accident across the eight reviewed brands.
By scenarioBest pet insurance for older dogs and cats
Older pets need three PDS provisions to align — the new-policy signup age limit, the pre-existing condition review pathway, and dental cover treatment. RSPCA PetFlex, Bow Wow Meow, and Pet Insurance Australia score best on the framework that actually matters for older pets — not the brands with the cheapest year-one premium.
By featureHighest annual benefit pet insurance — $25k to $40k cover compared
Four brands offer annual benefit limits of $25,000 or more. Coles Ultimate ($40k), RSPCA PetFlex ($35k), Pet Circle ($30k), and Knose ($25k) compared on cover detail, customer experience, and underwriter stability. Why headline cover is less useful than it looks — and the brand with the highest cap has the worst reviews.