PetsOnMe Pet Insurance review
Established 2007, three-tier product structure ($5k/$10k/$20k limits), Pacific International-backed, but the lowest customer rating in our directory (3.9★ across 18 reviews) and a deliberately leaner cover than the Tier-1 PetSure brands.
The short version
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 Services-led Pacific International brands (Knose, Pet Circle).
The product is structured as three tiers: Accident ($5k limit), Classic ($10k limit), Deluxe ($20k limit), all at 80% reimbursement (no flex on the percentage). Behavioural conditions are excluded entirely. Dental Illness is only covered on the Deluxe tier with a $500 sub-limit. Routine care isn't offered.
ProductReview rating (3.9★ across just 18 reviews) is the lowest in our directory by some margin. Trustpilot rates them 3.8/5. The brand wins industry awards ("Provider of the Year 2025") but consumer feedback is more divided than competitors. Treat the small sample size with appropriate skepticism — 18 reviews isn't statistically representative.
Score breakdown
v1.1 of the Insu Score weights four components. PetsOnMe scores well on the dimensions covered; affordability is pending until our premium estimator launches.
Three-tier structure ($5k/$10k/$20k limits) gives some flexibility but the top tier ($20k) is below RSPCA's $35k or Knose's $25k. Single 80% reimbursement option — no 70% or 90% flex. Behavioural excluded entirely. Dental capped at $500 on top tier only. No routine care.
Pending quote sample. Three tiers at $5k/$10k/$20k make benchmark comparison ($15k benchmark) require interpolation.
Pacific International underwriter (APRA-authorised). Established brand (2007 — 18+ years). Distributor structure is different from other Pacific International brands (Steadfast IRS rather than Knose Financial Services) — worth noting but not penalised.
3.9 stars across only 18 ProductReview ratings — lowest average AND lowest review volume in our directory. Trustpilot 3.8/5. Wins industry "Provider of the Year" awards but consumer satisfaction is mixed. Treat small sample with caveats.
PetsOnMe's 41/100 partial reflects narrower coverage and lower customer ratings than Knose/RSPCA — both also Pacific International-backed but with different products. If you're set on a Pacific International policy, Knose has higher ratings AND broader product flexibility. How the score is calculated →
Coverage features audit (current PDS)
The 8 features feeding the Coverage Depth score, with the actual values from the current PetsOnMe Product Disclosure Statement (dated 2025-10).
| Feature | PetsOnMe value | Score |
|---|---|---|
| Annual benefit limit | Three tiers: Accident $5,000 · Classic $10,000 · Deluxe $20,000 (Deluxe top tier matches BWM, less than Knose's $25k or RSPCA's $35k) | 5 / 8 |
| Reimbursement % | 80% only — no 70% or 90% flex options (vs Knose's 3 options or RSPCA's 4) | 4 / 8 |
| Excess flexibility | Tiered options per current PDS — verify exact tiers in latest documents. | 3 / 5 |
| Dental cover | Deluxe plan only — capped at $500 dental illness cover after 180-day waiting period. Accident and Classic plans only cover dental from traumatic accidents. | 1 / 5 |
| Behavioural cover | Excluded entirely. Behavioural problems listed as a permanent exclusion. | 0 / 5 |
| Alternative therapy cover | Acupuncture, physiotherapy, hydrotherapy covered when recommended by vet for a diagnosed condition. | 3 / 5 |
| Routine care add-on | Not offered. Regular vet visits, vaccinations, and routine wellness items are listed as exclusions. | 1 / 5 |
| Bilateral condition flexibility | Standard restriction per industry norm (verify current PDS for specifics). | 1 / 5 |
| Pre-existing condition review | Standard exclusion for pre-existing and congenital conditions. Some waiting periods may be waived if transferring from prior cover (1+ year of similar cover required). | 2 / 4 |
Source: PetsOnMe Pet Insurance Combined Financial Services Guide and Product Disclosure Statement (PDS document POMI_PET_INSURANCE_PDS-V5, dated 2025-10). Last read by Insu: 2026-04-29. Verify current values at www.petsonme.com.au/wp-content/uploads/2025/10/POMI_PET_INSURANCE_PDS-V5.pdf before purchasing.
What we liked
- Three-tier structure ($5k / $10k / $20k limits) lets you match cover to budget without complicated optional add-ons
- Established brand — 18+ years of operating history (longer than Knose or Petsy)
- Alternative therapy cover (acupuncture, physio, hydro) on all tiers when vet-recommended
- Pacific International APRA-authorised underwriter — same financial backing as Knose, RSPCA, Pet Circle
- Won 2025 "Provider of the Year" industry award (worth verifying which body and weighting)
What to think about
- Lowest ProductReview rating in our directory (3.9★) — though only 18 reviews so small-sample caveat applies
- Behavioural conditions excluded entirely on all tiers — major gap for many breeds
- Dental Illness only on Deluxe tier and capped at $500 — limited compared to RSPCA's bundled dental
- Single 80% reimbursement option — no flex to dial premium up or down via percentage
- No routine care add-on offered — competitors with routine care included may be better value if you'll use it
Same underwriter as 4 other AU brands
PetsOnMe is underwritten by Pacific International Insurance — the same underwriter as four other Australian pet brands:
Same underwriter doesn't mean identical product — pricing, benefit tiers, and add-ons vary by brand. But your claim is paid by the same company regardless of which logo is on the policy. More on the Pacific International family → (coming soon)
Affordability — coming soon
The Insu premium estimator is being built using a combination of PDS-published rate tables and manual benchmark quote sampling. Once it launches, this section will show:
- PetsOnMe's premium for the standard 3-year-old Labrador Sydney 2000 benchmark
- Where that premium sits in the percentile ranking across all 19 AU pet insurers
- Variations for older pets, regional postcodes, and cat scenarios
In the interim, the most accurate way to get a real PetsOnMe quote is direct from their site (no obligation, no signup required for the quote itself).
Get a PetsOnMe quote
Direct quote from the insurer, no signup needed to see pricing.
Visit PetsOnMe ↗We may earn an affiliate commission if you purchase through this link. The Insu Score is calculated independently of affiliate status — see the methodology page.
PDS read: 2026-04-29 · ProductReview data captured: 2026-04-29 · Underwriter status verified: 2026-04-27 · Insu Score version: v1.1