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)
Frequently asked questions
Who underwrites PetsOnMe Pet Insurance?
PetsOnMe Pet Insurance is underwritten by Pacific International Insurance Pty Ltd. The same underwriter also backs Knose, RSPCA Pet Insurance, Pet Circle Insurance, Fetch Pet Insurance in Australia, so your claim is paid by the same APRA-authorised insurer regardless of which brand is on the policy.
What is the PetsOnMe Pet Insurance Insu Score?
PetsOnMe Pet Insurance scores 41 out of 100 on the Insu Score (v1.1), 4 of 5 components scored. 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.
Does PetsOnMe Pet Insurance cover dental?
Deluxe plan only — capped at $500 dental illness cover after 180-day waiting period. Accident and Classic plans only cover dental from traumatic accidents.
What is the maximum annual benefit on PetsOnMe Pet Insurance?
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)
What are the main pros and cons of PetsOnMe Pet Insurance?
Pro: Three-tier structure ($5k / $10k / $20k limits) lets you match cover to budget without complicated optional add-ons Consideration: Lowest ProductReview rating in our directory (3.9★) — though only 18 reviews so small-sample caveat applies
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