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With so many insurers out there, how do you pick one that’s reliable, affordable, and dog-friendly? Choosing between the top pet insurance companies in Australia can be tricky — we’ve compared the leaders to help you pick the best one for your pet.
What Makes a Top Pet Insurance Company?
Before listing names, here’s what to look for:
- Clear, generous limits and benefits
- Minimal sub-limits (consults, hereditary, dental)
- Fast, trustworthy claims processing
- Transparency (clear PDS & TMD, no hidden fees)
- Flexibility in excess, switching, vet choice
Top Players in Australia
Here are major insurers and standout options you’ll often see in top rankings. Each has strengths and trade-offs, so use them as benchmarks.
- PetsOnMe
- Pet Insurance Australia
- Bow Wow Meow
- Knose Pet Insurance
- Trupanion
- Potiki
- Medibank Pet Insurance
- Pet Circle
- Coles / Woolworths affiliated insurers
- RSPCA Pet Insurance
How to Compare Them (and Why PetsOnMe Stands Out)
When comparing the above companies (and any others), weigh:
- Annual benefit limits & sub-limits
- What “eligible vet bills” include
- Waiting periods, especially for illness & hereditary conditions
- Flexibility on excess & ability to switch without penalties
- Claims speed and user feedback
- Breed-specific policies
Use our Compare Cover tool to put our Plans side by side and spot the differences.
