Australian pet insurance, ranked.

Pet Insurance Australia (PIA) and Bow Wow Meow are siblings — both currently underwritten by PetSure (Australia), both transitioned from Hollard within 5 weeks of each other in mid-2023. So if you're…

Bow Wow Meow has earned its reputation — 9 consecutive years of ProductReview Top Rated isn't an accident. The PDS is detailed and the pre-existing condition review (18 months symptom-free for…

RSPCA Pet Insurance went through one of the biggest changes in AU pet insurance this year — on 1 April 2026, the underwriter switched from Hollard (administered by PetSure) to Pacific International…

Buddy offers three cover tiers — Bronze ($11,000), Silver ($20,000), Gold ($35,000) — paired with 70%, 80%, or 90% reimbursement options. That's more flexibility than most PetSure-administered brands…

Medibank's 3-tier structure is unusually rigid: Pet Protect ($10k cover, 70% reimburse), Pet Plus ($25k, 80%), Pet Max ($30k, 90%). There's no flexibility to mix-and-match — a higher cover limit…

Australian Seniors Pet Insurance is built around a tier-by-reimbursement-percentage structure rather than tier-by-cover-limit — Basic (60% reimburse), Essential (75%), and Top (80%) all share the…

Pet Circle Insurance launched in May 2023 as a brand extension of Pet Circle, Australia's largest online pet retailer. Underneath the brand: Pacific International Insurance underwrites, Knose…

Knose is one of the few AU pet insurance brands that's actually been built in Australia (most are white-labels of larger underwriters' products). The brand launched in 2019, distributed by Knose…

Petsy is the highest-rated brand we've reviewed — 4.9 stars across 309 ProductReview ratings, plus Canstar's Outstanding Value Pet Insurance Award three years running (2023, 2024, 2025). Customer…

Coles Pet Insurance has a five-tier product structure (Basic / Essential / Comprehensive / Premium / Ultimate). The top Ultimate tier offers an annual benefit limit up to $40,000 — the highest in our…

HCF Pet Insurance is the simpler end of the PetSure-administered family — two products instead of three tiers. Pet Premium ($12,000 annual benefit) and Pet Premium Plus Routine Care (same $12,000 +…

What was 'Woolworths Pet Insurance' has been rebranded to Everyday Pet Insurance. The brand now sits under the Everyday Insurance umbrella alongside Everyday Car / Home / Travel / Life products. The…

Kogan Pet Insurance is the Kogan retail brand layer over a Hollard-issued, PetSure-administered product. Three tiers: Silver ($20,000 cover), Gold ($20,000 cover with broader inclusions), Platinum…

PetsOnMe was established in 2007, distributed through Pets On Me Insurance Pty Ltd as an authorised representative of Steadfast IRS — a different distribution structure to the Knose Financial…

Budget Direct sits outside the two dominant AU pet underwriter families. Auto & General Insurance Company (AGIC, AFSL 285571) underwrites it, distributed by Auto & General Services. Different…

Petplan Australia merged with Petcover Australasia in 2021 to form the Petcover Group — petplan.com.au now redirects to petcovergroup.com/au/. The same brand has cycled through four underwriters in…