Introduction — What Is Knose Pet Insurance?
Knose Pet Insurance is an award-winning Australian insurance provider dedicated exclusively to pets. Founded with a mission to make caring for animals simpler, fairer, and more affordable, Knose has quickly become one of the most trusted names in the country’s pet insurance landscape. Their core belief—that every Australian pet deserves the best possible care without financial stress—shapes everything they do.
Knose caters specifically to pet owners across Australia who want flexible, transparent, and comprehensive coverage for their dogs and cats. Whether you’re a first-time puppy parent or managing the health of an older feline companion, Knose makes it easy to protect your pet’s wellbeing. With over 68,000 insured pets, Knose’s growing community reflects a shared commitment to responsible and accessible pet ownership.
What truly sets Knose apart is its customizable insurance model and commitment to transparency. Unlike many competitors, Knose offers:
- Up to 90% back on eligible vet bills,
- No sub-limits or hidden fees,
- Vet-direct payment options that simplify claims, and
- Flexible annual limits of up to $25,000.
The company’s policies are backed by Pacific International Insurance Pty Ltd and distributed through The Pet Insurance Company, ensuring regulatory trust and reliability. Knose also enhances the customer experience with Australian-based support, a 24/7 Pet Health Hotline, and optional benefits covering dental illnesses, behavioural therapy, and specialist treatments.
Having won multiple awards—including Canstar’s Outstanding Value Award (2021–2025), Mozo’s Exceptional Quality Award (2025), and Finder’s Pet Insurance Value Award (2023)—Knose stands as a modern, customer-centric alternative in a market often criticized for complexity and fine print.
In short, Knose Pet Insurance combines comprehensive protection, transparent pricing, and compassionate service to help Australian pet owners focus on what really matters—keeping their furry companions happy and healthy.
Knose at a Glance (Summary Table)
| Feature | Details (2025 Update) |
| Company background | Knose is an Australian pet insurance and wellness provider founded to make pet care simple, transparent, and affordable. It focuses exclusively on pet health, partnering with independent vets nationwide. |
| Founded year | 2018 |
| Headquarters | Surry Hills, New South Wales, Australia |
| Coverage types | Comprehensive pet insurance for dogs and cats, including Accident, Illness, and Wellness Plans. |
| Claim process time | Typically processed within 2–5 business days, with real-time claim tracking via the Knose Claims Portal. |
| Customer ratings | ★ 4.7/5 on ProductReview • ★ 4.6/5 on Google Reviews • 5x Winner of Canstar Outstanding Value Award (2021–2025) |
| Pros & cons snapshot | Pros: No sub-limits, 90% back on vet bills, 24/7 Pet Health Hotline, Australian-based support.
Cons: Pre-existing conditions not covered, no cover for elective or cosmetic procedures. |
What Does Knose Cover?
Core Coverage Options
Knose Pet Insurance offers straightforward, customizable cover for dogs and cats, designed to remove financial stress when accidents or illnesses occur. Policies are underwritten by Pacific International Insurance Pty Ltd, distributed through ThePetInsuranceCompany.com.au, ensuring compliance with Australian regulatory standards (AFSL 523921).
Accidents
Covers injuries from unexpected incidents such as:
- Fractures, wounds, and snake bites
- Ingestion of foreign objects or poisons
- Emergency surgery and diagnostic tests
You can claim up to 90% of eligible vet costs with no sub-limits—meaning there’s no cap per condition, unlike many competitors like RSPCA Pet Insurance or Bow Wow Meow.
Illnesses
Protection for a wide range of diseases, including:
- Chronic conditions like diabetes or kidney disease
- Respiratory infections and gastroenteritis
- Cancer diagnostics and treatments
Knose’s 14-day illness waiting period is shorter than most insurers (which often require 30 days).
Vet Visits & Hospitalization
Includes coverage for:
- Vet consultations, diagnostic imaging, pathology, and medications
- Specialist treatments and hospital stays
- Post-surgery rehabilitation and prescription diets (when medically necessary)
Knose has processed over 98,000 claims and paid $32 million in benefits since 2019.
Optional Add-ons
Knose allows you to enhance your plan with flexible add-ons tailored to your pet’s health needs.
Dental Illness
Add dental coverage to protect against:
- Fractured teeth and gum disease
- Tooth extractions and oral surgeries
This optional extra has a 14-day exclusion for young pets and 6 months for pets over one year old.
Preventive Care
For proactive pet parents, Knose offers Pet Care Plans that include:
- Vaccinations and flea/tick prevention
- Desexing and microchipping
- Annual health check-ups
These plans, designed with local Australian vets, help maintain pet wellness year-round.
Routine Wellness Plans
Knose’s Wellness Plans are administered by Knose Care Pty Ltd, aiming to keep pets healthy through regular vet visits. Plans can include:
- Annual dental checks
- Nutritional consultations
- Parasite control programs
This proactive model aligns with Knose’s belief that “prevention is better than cure.”
Exclusions
While Knose provides extensive coverage, certain limitations apply to ensure policy fairness and sustainability.
Pre-existing Conditions
Any illness or injury that occurred before the policy start date (or within waiting periods) is excluded. However, if a condition is deemed cured after 18 months without symptoms, it may become eligible for coverage again — a flexibility not all insurers offer.
Routine or Elective Procedures
Procedures like grooming, breeding, cosmetic surgeries (e.g., tail docking, ear cropping), or elective desexing are excluded unless covered under a Pet Care Plan.
Breed-specific Exclusions
Certain hereditary or congenital conditions linked to specific breeds may have waiting periods or exclusions, such as:
- Brachycephalic Obstructive Airway Syndrome (BOAS) for Pugs and Bulldogs
- Hip dysplasia in large breeds (Golden Retrievers, German Shepherds)
Knose also provides an Exclusion Period Waiver Form for some specified conditions upon veterinary assessment.
🏆 Recognition & Awards
Knose continues to earn national recognition, including:
- Canstar Outstanding Value Pet Insurance (2021–2025)
- Mozo Experts Choice Awards 2025 – Exceptional Quality
- WeMoney Pet Insurer of the Year (2022–2025)
- Finder Awards 2023 – Best Comprehensive & Value Pet Insurance
These accolades reinforce Knose’s position as a top-tier Australian pet insurer, balancing affordability with comprehensive protection.
Knose Plan Options Explained
Knose Pet Insurance offers flexible, customizable pet insurance plans designed to adapt to the unique health and lifestyle needs of every pet. Unlike traditional tiered policies from brands like Petbarn, Guide Dogs Pet Insurance, or Budget Direct, Knose gives pet owners complete control over their annual benefit limit, reimbursement rate, and excess (deductible) — allowing them to build a plan that suits both their pet’s care level and their household budget.
Customizable Cover Amounts (Annual Limit, Reimbursement Rate, Excess)
Knose simplifies pet insurance by letting you adjust three key elements of your cover:
- Annual Limit: Choose how much total cover you want for the year, with limits typically ranging from $7,500 up to $25,000 AUD. This ensures flexibility whether you’re insuring a young, healthy cat or an older breed-prone dog like a Labrador Retriever or French Bulldog.
- Reimbursement Rate: You can select how much of each eligible vet bill Knose reimburses — usually 70%, 80%, or 90%. For example, choosing a 90% reimbursement rate minimizes out-of-pocket expenses during emergencies.
- Excess (Deductible): Pick from $0 to $200 in excess per claim. A higher excess lowers your premium, making it ideal for pets with low-risk health profiles.
All plans include cover for accidents, illnesses, hospitalization, diagnostic tests, prescription medications, and surgery. Plus, Knose’s Preventive Care Add-On can be added to reimburse costs like vaccinations, microchipping, and annual health checks, mirroring similar options offered by competitors like Petsy or Woolworths Pet Insurance.
Example Plan Comparisons (Based on Real-World Examples)
| Pet Type | Annual Limit | Reimbursement | Excess | Monthly Cost (approx.) | Notes |
| Young Cat (2 years) | $10,000 | 80% | $100 | ~$38 | Balanced protection for healthy indoor cats |
| Active Dog (4 years, Labrador) | $15,000 | 90% | $100 | ~$62 | Ideal for breeds prone to joint issues |
| Senior Pet (10 years, small dog) | $20,000 | 70% | $200 | ~$70 | Higher annual limit for age-related care |
These examples demonstrate how Knose’s flexibility allows owners to tailor coverage to their needs — whether managing a growing pet family or focusing on long-term health management.
Who Each Plan Is Best For
Budget-Conscious Owners
If affordability is a priority, opt for a lower reimbursement rate and higher excess. This keeps premiums low while maintaining essential accident and illness protection. It’s a practical option for younger pets with fewer vet visits.
Multiple-Pet Households
Knose supports multi-pet families through simplified management under one account and flexible limits per pet. Combined with discounts and the option to align renewal dates, it’s ideal for households with two or more pets.
Owners Wanting Preventive Cover
For pet parents who prioritize routine wellness, the Preventive Care Add-On helps cover desexing, flea/tick treatments, worming, and vaccinations. This feature is particularly valuable for proactive owners who prefer predictable, all-year-round health costs — similar to wellness plans offered by Greencross Vets or Petstock VET.
Knose Pricing & Value
How Much Does Knose Cost?
Knose offers customisable pet insurance for dogs and cats, allowing pet parents to tailor coverage levels and annual benefit limits according to their budget. While exact pricing depends on your pet’s age, breed, and location, Knose’s flexible structure lets you adjust your reimbursement percentage (70%, 80%, or 90%) and your annual limit (up to $25,000) — which can greatly affect the final monthly premium.
Pricing examples by breed and age:
| Pet Type | Example Breed | Age | Estimated Monthly Premium (AUD) | Coverage Level |
| Dog | Cavoodle | 2 years | $45–$55 | 80% benefit, $15,000 annual limit |
| Dog | Labrador Retriever | 6 years | $60–$70 | 80% benefit, $20,000 annual limit |
| Cat | Domestic Shorthair | 3 years | $30–$40 | 80% benefit, $15,000 annual limit |
| Cat | Ragdoll | 7 years | $40–$50 | 90% benefit, $20,000 annual limit |
Note: Prices are approximate, based on 2025 market data and sample quotes from Knose’s online calculator.
Factors that affect pricing:
- Breed: Larger and purebred pets (e.g., Labradors, Ragdolls) often face higher premiums due to genetic conditions.
- Age: Premiums increase as pets age, reflecting higher health risks.
- Location: Vet costs differ across Australian states — urban areas like Sydney or Melbourne tend to be higher.
- Coverage level: Higher annual limits and benefit percentages increase costs.
- Policy excess (optional): Selecting a higher excess can lower monthly premiums.
Comparison With Competitors
Knose vs PetSure
PetSure is one of Australia’s largest pet insurance underwriters, powering brands like RSPCA, Medibank, and Woolworths Pet Insurance. While PetSure policies are widespread, they often have less flexibility in designing coverage. Knose, on the other hand, acts as a direct underwriter through Pacific International Insurance, offering transparent, single-brand policies with customisable benefit percentages and annual limits.
Knose advantage: More flexibility and simpler claims process via its digital platform.
PetSure advantage: Broader brand presence and vet partnerships.
Knose vs RSPCA Pet Insurance
RSPCA Pet Insurance, underwritten by PetSure, supports the RSPCA’s animal welfare programs. Premiums can be slightly higher since part of the cost supports charitable causes.
Knose advantage: Usually lower premiums for comparable cover and direct customer service.
RSPCA advantage: Contributes to animal welfare initiatives and offers multiple tiered cover options.
Knose vs Bow Wow Meow
Bow Wow Meow, also underwritten by PetSure, is known for comprehensive cover and strong customer reviews. However, Knose differentiates itself with real-time quote customisation and flat-fee transparency (no hidden admin or claim service charges).
Knose advantage: Simple online management, fewer exclusions, and strong policy clarity.
Bow Wow Meow advantage: Optional routine care add-ons not currently offered by Knose.
Is Knose Good Value for Money?
Cost-Benefit Analysis
Knose consistently ranks highly in independent awards, including:
- Canstar 2021–2025 Pet Insurance – Outstanding Value
- Mozo 2025 Exceptional Quality Pet Insurance
- Finder 2023 Pet Insurance – Value & Comprehensive
- WeMoney Pet Insurer of the Year 2022–2025
These recognitions highlight its balance of affordability, coverage, and customer satisfaction. With no sub-limits for specific conditions and direct claim payments, Knose offers genuine long-term value, especially for pet owners who want predictable costs without complex fine print.
Transparency on Policy Increases
Knose maintains transparency in pricing updates — any annual premium adjustments are communicated clearly before renewal. These changes typically reflect:
- Rising veterinary service costs across Australia
- Inflation in medical equipment and drug prices
- Your pet’s age bracket moving to a higher risk tier
Unlike many competitors, Knose publishes clear Product Disclosure Statements (PDS) and Target Market Determinations (TMD) to ensure customers understand coverage boundaries.
✅ Verdict:
Knose Pet Insurance offers one of the best value propositions in the Australian market in 2025 — balancing affordability, flexibility, and award-winning service. For pet parents seeking a customisable, transparent, and dependable insurer, Knose remains a top contender against PetSure-powered brands like RSPCA and Bow Wow Meow.
Claim Process & Customer Experience
How to Make a Claim
Knose Pet Insurance has streamlined its claim process to make it simple for Australian pet owners to get reimbursed quickly — whether they’re visiting a local veterinary clinic, an emergency hospital, or submitting a manual claim from home.
There are two main ways to make a claim with Knose:
- Vet Direct Claim:
Many partnered veterinary clinics can submit claims directly through the Knose Claims Portal, reducing paperwork for pet owners. Once the vet uploads the itemised invoice and consultation notes, Knose processes the claim automatically and notifies the owner by email.
- Manual Upload:
For clinics not connected to Knose’s system, pet owners can upload their vet invoices and treatment details directly via the online Knose Claims Portal or by emailing claims@knose.com.au. The form typically asks for the policy number, vet details, and treatment summary.
Knose reimburses up to 90% of eligible vet bills (depending on your policy) and allows claims for a wide range of conditions — from cruciate ligament surgery and chronic kidney disease to dental illnesses and behavioural conditions (if optional benefits are selected).
The insurer also provides 24/7 access to its Pet Health Hotline, giving policyholders immediate veterinary guidance from licensed nurses — a feature that enhances customer satisfaction and helps prevent unnecessary claims.
Average Claim Turnaround Time
Knose reports that most claims are processed within 2 to 5 business days, once all vet information has been received. Customer feedback on ProductReview.com.au and Google Reviews frequently highlights the speed and transparency of this process.
Since its launch in 2019, Knose has processed over 98,000 claims and paid out more than $32 million in benefits to Australian pet owners. This includes coverage for treatments like snake bite toxicity, gastroenteritis, and orthopaedic surgery.
Their Australian-based customer service team sends personalised email updates at each step, letting customers know when their claim is received, reviewed, and paid — a practice that stands out among competitors like PetSure, Bow Wow Meow, and RSPCA Pet Insurance.
User Experience Feedback
Testimonials from Trustpilot & ProductReview
Knose consistently earns high praise for its friendly service and easy claims:
- “10/10 personalised service! Knose followed up on our claim for Bella’s gastro treatment and even checked in on her recovery.” – Craig D., Google Reviews
- “Quick refund process. Everything went smoothly and I was updated every step of the way.” – Marcelle S., ProductReview.com.au
- “Affordable and easy claims! Uploading vet invoices was super simple, and the 24-hour vet nurse hotline is amazing.” – James, Reviews.io
- “Great support from real humans. Spoke with someone in Australia who guided me through the claim — fast and caring.” – Laura, Reviews.io
Real-World Examples
Knose showcases transparent examples of past claims to help customers understand expected reimbursements:
| Condition | Pet | Total Vet Bill | Paid by Knose |
| Cruciate Ligament Surgery | 3-year-old Golden Retriever | $4,838 | $4,264 |
| Snake Bite Treatment | 3-year-old Great Dane | $4,203 | $3,783 |
| Dental Surgery (Fractured Tooth) | 4-year-old Tamaruke | $1,034 | $765 |
| Chronic Kidney Disease | 8-year-old Domestic Shorthair | $2,508 | $2,257 |
These real examples reflect Knose’s reliability in reimbursing claims quickly and fairly, reinforcing its reputation for transparency and customer-first service.
Knose Customer Reviews
Positive Reviews
Across platforms like ProductReview.com.au (4.7/5) and Google Reviews (4.6/5), customers praise Knose for:
- Fast claim processing: Many pet owners receive reimbursements within a week.
- Helpful staff: Reviewers highlight the Australian-based team’s empathy and professionalism.
- Ease of use: The digital claims portal and clear documentation reduce hassle for busy pet parents.
Knose’s award recognition from Canstar (Outstanding Value 2021–2025), Mozo (Exceptional Quality 2025), and WeMoney (Pet Insurer of the Year 2022–2025) further reflects its strong performance in customer satisfaction.
Negative Reviews
A minority of reviewers note frustrations related to:
- Claim denials for pre-existing conditions, which are clearly stated in the Product Disclosure Statement (PDS) but can be misunderstood by new policyholders.
- Confusion about waiting periods, particularly for optional coverages like dental illness or behavioural therapy.
- Premium increases as pets age — a common occurrence across the pet insurance industry, including competitors such as Petsy, Guide Dogs Pet Insurance, and Coles Pet Insurance.
Knose addresses these concerns openly through its Financial Services Guide and customer support channels, ensuring policyholders understand their coverage terms before purchase.
Overall Satisfaction Rating
As of July 2025, Knose Pet Insurance holds an average rating of 4.7/5 on ProductReview, 4.6/5 on Google, and a strong presence on Trustpilot.
Customers consistently cite speed, communication, and compassionate service as Knose’s strongest attributes. Combined with its no sub-limit structure, up to $25K annual coverage, and Australian-based support, Knose remains one of the most trusted pet insurers in the country — endorsed by leading comparison sites like Finder, Canstar, and Mozo.
How Knose Compares to Other Pet Insurers
Knose Pet Insurance stands out in Australia’s pet insurance market for its simplicity, flexibility, and strong customer satisfaction. Rated 4.7/5 stars on ProductReview, Knose has built a loyal following among pet parents looking for transparent coverage, lifetime protection, and access to real veterinary advice via its 24/7 Pet Health Hotline.
While competitors like Trupanion, Bow Wow Meow, and Petsy also offer comprehensive policies, Knose’s edge lies in its 90% reimbursement rate, customizable extras, and no sub-limits for major illnesses—making it a well-rounded option for both dogs and cats.
🧾 Coverage Comparison Table
| Insurer | Max Annual Limit | Reimbursement Rate | Dental Cover | Routine Care | GapOnly | Avg. Review Rating |
| Knose | $25,000 | 90% | Optional add-on | Optional | ❌ | ⭐ 4.7 |
| Trupanion | No limit | 90% | ✅ (with criteria) | ❌ | ❌ | ⭐ 4.5 |
| Bow Wow Meow | $10,000–$30,000 | 70–90% | In Booster Pack | Optional | ✅ | ⭐ 4.3 |
| Petsy | $25,000 | Up to 90% | ✅ | ✅ | ❌ | ⭐ 4.4 |
| Pet Insurance Australia | $30,000 | 80% | ❌ | ✅ (included) | ❌ | ⭐ 4.3 |
| Fetch | $30,000 | 80–100% | ✅ | ❌ | ✅ (direct to vet) | ⭐ 4.2 |
| RSPCA Insurance | $20,000 | 80% | Optional | Optional | ✅ | ⭐ 4.0 |
Data source: Forbes Advisor Australia, updated Oct 2025.
⚖️ Strengths & Weaknesses vs Competitors
Strengths of Knose:
- High 90% reimbursement rate — among the best in the market.
- Customizable coverage — you can add or exclude extras like dental or routine care.
- Lifetime cover guarantee — continuous coverage regardless of age once insured.
- 24/7 vet nurse hotline — instant expert advice, a feature not standard among competitors.
Weaknesses:
- No GapOnly payments, meaning you must pay upfront before reimbursement.
- No automatic routine care cover, unlike Petsy or Pet Insurance Australia.
- Upper age limit (9 years) for new sign-ups could limit options for senior pets.
Compared to Trupanion’s unlimited coverage and Bow Wow Meow’s flexible reimbursement tiers, Knose sits in a sweet spot for affordability and simplicity, appealing especially to first-time pet insurance buyers.
🐶 Who Should Choose Knose Over Others
Choose Knose Pet Insurance if you:
- Prefer a high reimbursement rate with flexible extras.
- Value lifetime coverage for long-term peace of mind.
- Want quick access to vet support via the Pet Health Hotline.
- Are a tech-savvy owner who prefers easy digital policy management (see app section below).
Knose may not be ideal if you frequently use vets that support GapOnly or if you prefer routine care included automatically, as offered by Petsy or Pet Insurance Australia.
Knose for Dogs vs Cats
Knose offers near-identical policies for dogs and cats, but subtle differences affect value, premiums, and claims outcomes.
Key Differences in Policy Wording and Pricing
- Age limits: Dogs can be insured from 8 weeks to under 9 years, cats up to 10 years.
- Average premium: Dog premiums start higher due to vet cost risk (average $65–$90/month), while cats average $45–$70/month.
- Coverage terms: Both receive accident and illness protection with optional dental, behavioral therapy, and routine care add-ons.
- Breed-based pricing: Dogs like French Bulldogs or Labradors cost more due to hereditary issues, while mixed-breed cats enjoy lower premiums.
Which Species Gets Better Value
Cats typically get better dollar-for-dollar value under Knose, as their medical risks are lower. That means lower premiums but access to the same high 90% reimbursement and lifetime coverage benefits.
For multi-pet households, insuring both dogs and cats under Knose’s umbrella allows consistent claims handling and coverage clarity — something pet owners appreciate in reviews.
Real Examples of Dog and Cat Policy Outcomes
- Example 1 (Dog – French Bulldog):
“Luna” had a $2,500 cruciate ligament surgery. Knose reimbursed $2,250 (90%), and the owner praised the fast claim approval within 5 business days.
- Example 2 (Cat – Ragdoll):
“Milo” developed a urinary blockage costing $1,200 in vet bills. Knose reimbursed $1,080, with 24/7 vet hotline support guiding care post-surgery.
Both cases highlight Knose’s predictable claim experience and helpful support team, despite the lack of GapOnly.
Knose App & Online Experience
Knose’s online experience is one of the most intuitive and user-friendly in Australia’s pet insurance market, designed for modern pet owners who value convenience.
Dashboard & User Portal Features
- Centralized pet dashboard for policy, payments, and claim history.
- Access to downloadable documents, renewal reminders, and coverage summaries.
- Integration with Knose Wellness Plans, allowing preventive care tracking like vaccinations and dental checks.
The dashboard’s simplicity makes Knose stand out against Petsy or Fetch, which require multiple navigation steps to access claim updates.
Claim Tracking & Updates
- Submit claims online with receipts and vet invoices.
- Real-time status tracking via email notifications.
- Average claim processing time: 5–7 business days (2025 figures).
- Dedicated support team reachable by chat or phone for follow-ups.
Although GapOnly is missing, Knose compensates with transparency and consistent communication throughout the claim cycle.
Ease of Policy Management
Knose’s self-service portal allows you to:
- Update payment details or address instantly.
- Add new pets or adjust coverage levels mid-policy.
- Review your Pet Health Hotline history and claim summaries.
The experience feels more personal compared to corporate-heavy competitors like Medibank Pet Insurance or Woolworths Pet Insurance, which rely on shared underwriting platforms through PetSure.
Expert Opinion — Is Knose Worth It in 2025?
Assessment of Value, Transparency, and Claims
Knose Pet Insurance has solidified its position as one of Australia’s most trusted and transparent pet insurers in 2025. The brand’s hallmark lies in straightforward coverage, customizable policies, and lightning-fast claim turnaround times — often within 24–48 hours, according to verified customer reviews.
Customers repeatedly highlight Knose’s high transparency scores (4.7/5) on ProductReview.com.au and its value-for-money rating of 4.5/5, supported by clear communication and hassle-free digital processes. The Knose online portal and direct vet payment system have further improved claim efficiency, reducing the stress often associated with pet emergencies.
Knose’s policies are underwritten by Pacific International Insurance, an APRA-regulated insurer, which adds a layer of financial security and reliability for pet owners. Additionally, Knose’s partnerships with veterinary networks across Australia enable smoother claims and improved pre-approval processes for procedures like orthopedic surgeries and emergency care.
Comparison to the Evolving Pet Insurance Market
In the broader Australian pet insurance landscape, Knose competes closely with brands like Bow Wow Meow, Fetch Pet Insurance, Petsy, and RSPCA Pet Insurance. While competitors such as Petsy have earned a slightly higher review score (4.9/5), Knose’s key differentiator remains policy flexibility. Pet parents can choose their reimbursement rate (up to 90%), annual benefit limit (up to $25,000), and excess amount, creating tailored protection that fits different budgets.
Compared with the likes of Pet Insurance Australia or Bow Wow Meow, Knose stands out for its minimal fine print and no lock-in contracts. The company’s digital-first model has also made it more responsive — some claims reportedly resolved in under an hour, an exceptional benchmark in the industry.
However, premium costs have risen by 10–18% annually for some long-term policyholders, a trend consistent with most insurers due to rising veterinary costs and pet healthcare inflation in 2025.
Who Should and Shouldn’t Consider Knose
Knose is ideal for:
- New pet owners seeking peace of mind through customizable protection.
- Pet parents who value speed and communication, thanks to fast claim resolutions and regular updates.
- Those with higher-risk breeds (e.g., French Bulldogs, Golden Retrievers, Rottweilers) who benefit from flexible coverage and high claim acceptance rates.
Knose may not be ideal for:
- Pet owners traveling frequently overseas, as Knose’s coverage is limited to Australian residents and not recognized globally.
- Those seeking routine wellness or preventive care coverage — services like desexing, dental cleaning, or vaccinations often fall under exclusions.
- Users needing 24/7 live chat, since Knose currently offers responsive but limited-hour customer support.
Pros and Cons of Knose Pet Insurance
Pros
Fully Customizable Plans
Knose’s standout feature is total plan flexibility — customers can select reimbursement rates, annual benefit limits, and excess levels. This makes it easier for both budget-conscious and comprehensive coverage seekers to find a fit.
Transparent Pricing
Knose’s pricing model avoids hidden fees and complex exclusions. Policyholders can view their coverage details upfront in the Knose Member Portal, and receive clear communication regarding annual premium adjustments.
Direct Vet Payments
Knose’s direct-to-vet payment option allows approved claims to be paid directly to participating clinics, easing the financial burden during emergencies. This system is increasingly supported by veterinary networks across NSW, VIC, and QLD.
Cons
Limited Global Recognition
Unlike multinational providers such as Fetch by The Dodo or Trupanion, Knose policies are valid only within Australia, limiting coverage for pets traveling abroad.
No 24/7 Chat Support
While Knose offers excellent email and phone support, it lacks round-the-clock live chat, which can be inconvenient during late-night emergencies.
Some Exclusions on Routine Care
Knose primarily focuses on accident and illness coverage, leaving out routine vet visits, vaccinations, flea control, or dental cleanings, unless added as optional extras.
In summary, Knose Pet Insurance continues to lead Australia’s pet insurance market in 2025 with its customer-first approach, award-winning transparency, and fast digital claims. While premium increases and limited routine coverage might not suit every owner, its customizable nature makes it a top contender for those prioritizing reliability and clear communication.
FAQs About Knose Pet Insurance
Is Knose pet insurance good for puppies/kittens?
Yes — Knose Pet Insurance is an excellent choice for puppies and kittens. Policies are available for pets as young as six (6) weeks old, offering flexible cover options for both dog and cat insurance. You can add optional benefits such as dental illness and behavioural cover, provided your pet is under three years old at the start of the policy.
Knose also offers a multi-pet discount, plus wellness support through the Knose Pet Care Plans, which include parasite prevention, annual vet check reimbursements, and access to the 24/7 Knose Pet Health Hotline. This makes Knose a strong fit for first-time pet parents looking for proactive and affordable coverage for their young pets.
How fast does Knose pay claims?
Knose is known for its fast and transparent claim processing. Most claims are processed within five (5) business days once all documents (like itemised vet invoices and medical history) are submitted. Payments are usually reimbursed directly to your bank account, though Knose can also pay your vet directly if they’re part of the preferred network. You can track your claim online through your Knose member portal for real-time updates.
Does Knose cover pre-existing conditions?
Knose does not cover pre-existing conditions. However, the insurer distinguishes between curable and incurable conditions.
If your pet had a curable condition (like an ear infection) that has been resolved and remains symptom-free for a set period, Knose may reassess and add it to your coverage. Incurable conditions, such as diabetes or allergies, remain excluded.
For transparency, pet owners can request a Pre-existing Condition Assessment before filing their first claim — this ensures clarity from the start.
Can I insure multiple pets with Knose?
Absolutely. Knose allows you to insure multiple pets — each pet receives its own tailored policy based on its species, age, and health profile. You can manage all your pets under one Knose account and benefit from multi-pet discounts on eligible plans.
This is ideal for families with several furry companions, ensuring each pet has customised protection while keeping the management simple and affordable.
Is there a waiting period before coverage begins?
Yes. Knose applies short and transparent waiting periods based on the type of condition:
- 1 day for accidental injuries
- 14 days for illnesses
- 6 months for dental illness, behavioural conditions, and specified conditions like spinal or eye issues
If you’re switching from another insurer, Knose may waive these waiting periods for injuries and illnesses — provided your previous policy was active for at least 12 months and offered equivalent or lesser coverage.
Final Verdict
Summary of key takeaways
Knose Pet Insurance stands out for its simplicity, flexibility, and transparency. It covers both dogs and cats, offering customisable plans with no sub-limits and a choice of 70%, 80%, or 90% reimbursement rates.
You can visit any licensed vet in Australia, add optional benefits like dental or behavioural cover, and combine your insurance with Knose Pet Care Plans for all-in-one protection.
Best-suited audience
Knose is best suited for:
- First-time pet owners who want clear, no-surprise policies
- Multi-pet households seeking convenience and bundle savings
- Busy professionals who value fast claims and 24/7 access to expert vet nurses
- Pet parents of puppies, kittens, or senior pets wanting flexible, customisable coverage
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