December 4, 2025

The Best Dog Insurance Plans in Australia | PetsOnMe Insurance

Finding the best dog insurance plans Australia has to offer can be confusing — so we compared the leading policies side by side. If you have a dog (or plan to), finding a policy that truly protects them — without nasty surprises — is key. Below: our curated list of standout dog insurance plans in Australia (with what makes them great) plus tips on how to pick yours.

What Makes a Dog Insurance Plan “Best”?

Here’s what to judge by:

  • Generous annual limits and high reimbursements (e.g., 80%)
  • Minimal sub-limits on consults, hereditary illnesses, dental
  • Fast and reliable claims process
  • Transparency (clean PDS, no hidden clauses)
  • Flexibility (excess options, vet freedom, switching benefits)

Top Dog Insurance Plans in Australia

Here are plans that often rise to the top in comparisons and reviews. Use these as benchmarks.

  1. PetsOnMe – Accident, Classic & Deluxe Plans
     Aussie-designed, transparent, strong breed pages (e.g. King Charles Spaniel Insurance and Greyhound Insurance).

    • Covers up to 80% of eligible vet bills
    • No consult fee sub-limits
    • Easy switching and quote tools via Compare Cover
  2. Bow Wow Meow – Nose-to-Tail
     Strong customer reviews, flexible extras, often praised for including broader cover.
  3. Pet Insurance Australia
     High annual limits, sometimes includes wellness add-ons.
  4. Knose Pet Insurance
     High reimbursement options (e.g. up to 90%), no sub-limits, attractive for frequent claims.
  5. Trupanion
     Premium coverage, often with fewer caps per type of treatment.
  6. Medibank Pet
     From a known brand in health, with options and add-ons tailored to pets.
  7. Pet Circle Insurance
     Newer player in the space, growing coverage and attention.
  8. RSPCA / Charity-Linked Insurance
     Fans choose these for mission alignment; important to compare their benefit structure carefully.

How to Choose the Best Plan for Your Dog

  • Don’t just chase “lowest premium” — check what’s really covered
  • Vet freedom matters — avoid policies that restrict clinic choice
  • Check waiting periods upfront — illness and hereditary waiting periods are common
  • Claim speed and service — fast payout matters
  • Use side-by-side tools — PetsOnMe’s Compare Cover helps you test multiple plans easily
  • Breed & health matters — check specific breed pages (e.g. [King Charles Spaniel Insurance]) for tailored insights

Published by

Abbie