Top Pet Insurance Companies in Australia

With so many insurers out there, how do you pick one that’s reliable, affordable, and dog-friendly? Here are some of Australia’s most respected pet insurance providers — plus tips to compare them properly.

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 — Our home turf. Aussie-owned, simple plans, strong breed pages (e.g. King Charles Spaniel Insurance, Greyhound Insurance). 
• Pet Insurance Australia — Known for high annual limits and including routine care in some plans. Forbes+1 
• Bow Wow Meow — Popular for flexible policies and positive customer reviews. Forbes+2Hepper Pet Resources+2 
• Knose Pet Insurance — High reimbursement rates (e.g., 90%), add-on benefits, popular with frequent claimers. Forbes+2Hepper Pet Resources+2 
• Trupanion — Offers very comprehensive coverage (some unlimited benefit structure) as featured in market reviews. Forbes 
• Potiki — Recognised for strong benefits, including dental inclusion in certain policies. Forbes 
• Medibank Pet Insurance — Comes from a trusted health brand, with options and add-ons for pets. Hepper Pet Resources+1 
• Pet Circle — An emerging name in the pet insurance space in Australia. Wikipedia 
• Coles / Woolworths affiliated insurers — These supermarket-affiliated insurers often offer convenience and bundling options. CHOICE+1 
• RSPCA Pet Insurance — Strong brand name, some owners like the alignment with animal welfare. Hepper Pet Resources+2ProductReview.com.au+2 

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 (see reviews on ProductReview) ProductReview.com.au 
• Breed-specific policies — like how PetsOnMe tailors for individual breeds 

Use our Compare Cover tool to put Plans side by side and spot the differences.

Suggested Structure for Your Blog

• H1: XX Top Pet Insurance Companies in Australia 
• H2: What Makes a Top Pet Insurance Company 
• H2: Top Players in Australia 
  • H3: PetsOnMe 
  • H3: Pet Insurance Australia 
  • H3: Bow Wow Meow 
  • H3: Knose 
  • H3: Trupanion 
  • H3: Potiki 
  • H3: Medibank 
  • H3: Pet Circle 
  • H3: Coles / Woolworths insurers 
  • H3: RSPCA 
• H2: How to Compare (and Why PetsOnMe Stands Out) 
• H2: Next Steps / Getting Quotes