Compare Pet Insurance in Australia

27 brands · 34 plans compared · See who really underwrites your policy

Browse All PlansMarket Structure →

🔍 Why Underwriter Transparency Matters

Australia's pet insurance market is dominated by a single underwriter — PetSure administers 20 of 27 active brands (~74% of the market). That means many "different" brands offer essentially similar products with shared claims processes. Only 7 brands are underwritten independently by Guild, Pacific International, Auto & General, Petcover, Trupanion, or RACQ.

All Plans

Sorted by annual limit. Indicative premiums for a medium dog, ~2 years old, NSW.

🐱
Potiki Pet Insurance
Platinum
PetSure
~$80/month*
Annual Limit
$45,870
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🛒
Everyday Pet Insurance
Comprehensive Plus
PetSure
~$95/month*
Annual Limit
$45,870
Benefit
80% back
Excess Options
$0 / $153 / $765
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKRoutine CareGapOnly®
Visit Provider ↗
🛒
Everyday Pet Insurance
Comprehensive
PetSure
~$75/month*
Annual Limit
$36,696
Benefit
80% back
Excess Options
$0 / $153
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🦮
Guide Dogs Pet Insurance
Premium Care
PetSure
~$75/month*
Annual Limit
$30,580
Benefit
85% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsRoutine CareGapOnly®
Visit Provider ↗
🐱
Potiki Pet Insurance
Silver
PetSure
~$40/month*
Annual Limit
$30,580
Benefit
80% back
Excess Options
$0 / $1
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🐕
Bow Wow Meow
Nose-to-Tail $30k
PetSure
~$85/month*
Annual Limit
$30,000
Benefit
90% back
Excess Options
$0 / $1 / $2 / $5
Waiting (Illness)
30 days
No Sub-LimitsPre-existing OKDentalBehaviouralRoutine CareGapOnly®
Visit Provider ↗
🏪
Petbarn Pet Insurance
Total Cover
PetSure
~$90/month*
Annual Limit
$25,000
Benefit
100% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKRoutine CareGapOnly®
Visit Provider ↗
💰
Budget Direct Pet Insurance
Plus
Auto & General ✦ Independent
~$65/month*
Annual Limit
$25,000
Benefit
80% back
Excess Options
$100 / $200
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKRoutine Care
Visit Provider ↗
👃
Knose Pet Insurance
Simple Pet Insurance $25k
Pacific International ✦ Independent
~$75/month*
Annual Limit
$25,000
Benefit
90% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
14 days
No Sub-LimitsPre-existing OKDentalBehavioural
Visit Provider ↗
💙
Bupa Pet Insurance
Ultimate Care
PetSure
~$85/month*
Annual Limit
$25,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKGapOnly®
Visit Provider ↗
🦮
Guide Dogs Pet Insurance
Detailed Care
PetSure
~$55/month*
Annual Limit
$22,935
Benefit
80% back
Excess Options
$0 / $1
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🦮
Guide Dogs Pet Insurance
Basic Care
PetSure
~$40/month*
Annual Limit
$22,935
Benefit
75% back
Excess Options
$0 / $1
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
💚
Medibank Pet Insurance
Comprehensive
PetSure
~$80/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKRoutine CareGapOnly®
Visit Provider ↗
🦘
Pet Insurance Australia
Major Medical
PetSure
~$70/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKGapOnly®
Visit Provider ↗
🟡
Kogan Pet Insurance
Comprehensive
PetSure
~$50/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🚗
RACQ Pet Insurance
Comprehensive
RACQ ✦ Independent
~$65/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $100 / $200
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OK
Visit Provider ↗
🏦
CBA Pet Insurance
Comprehensive
PetSure
~$70/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🐾
RSPCA Pet Insurance
Total Cover
PetSure
~$70/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OKRoutine CareGapOnly®
Visit Provider ↗
🔴
Coles Pet Insurance
Complete Care
Guild ✦ Independent
~$65/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OK
Visit Provider ↗
🐕
Bow Wow Meow
Nose-to-Tail $20k
PetSure
~$65/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2 / $5
Waiting (Illness)
30 days
No Sub-LimitsPre-existing OKGapOnly®
Visit Provider ↗
🐾
Petcover
Comprehensive
Petcover / Arch Re ✦ Independent
~$70/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $100 / $200
Waiting (Illness)
30 days
No Sub-LimitsPre-existing OKDental
Visit Provider ↗
🏥
HCF Pet Insurance
Top Cover
PetSure
~$75/month*
Annual Limit
$20,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🛒
Everyday Pet Insurance
Standard
PetSure
~$55/month*
Annual Limit
$15,290
Benefit
80% back
Excess Options
$0 / $153
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🩺
Vets Choice
Complete
Guild ✦ Independent
~$55/month*
Annual Limit
$15,000
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OK
Visit Provider ↗
🏪
Petbarn Pet Insurance
Standard Cover
PetSure
~$55/month*
Annual Limit
$15,000
Benefit
80% back
Excess Options
$0 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
🐾
RSPCA Pet Insurance
Major Cover
PetSure
~$40/month*
Annual Limit
$15,000
Benefit
80% back
Excess Options
$0 / $2
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
💰
Budget Direct Pet Insurance
Comprehensive
Auto & General ✦ Independent
~$50/month*
Annual Limit
$15,000
Benefit
80% back
Excess Options
$100 / $200
Waiting (Illness)
30 days
Has Sub-LimitsPre-existing OK
Visit Provider ↗
👃
Knose Pet Insurance
Simple Pet Insurance $12.5k
Pacific International ✦ Independent
~$50/month*
Annual Limit
$12,500
Benefit
80% back
Excess Options
$0 / $1 / $2
Waiting (Illness)
14 days
No Sub-Limits
Visit Provider ↗
💰
Budget Direct Pet Insurance
Essential
Auto & General ✦ Independent
~$40/month*
Annual Limit
$12,000
Benefit
80% back
Excess Options
$100 / $200
Waiting (Illness)
30 days
Has Sub-Limits
Visit Provider ↗
🔴
Coles Pet Insurance
Accident & Illness
Guild ✦ Independent
~$45/month*
Annual Limit
$12,000
Benefit
80% back
Excess Options
$0 / $2
Waiting (Illness)
30 days
Has Sub-Limits
Visit Provider ↗
🐾
Petcover
Accident & Illness
Petcover / Arch Re ✦ Independent
~$45/month*
Annual Limit
$12,000
Benefit
80% back
Excess Options
$0 / $200
Waiting (Illness)
30 days
Has Sub-Limits
Visit Provider ↗
🐕
Bow Wow Meow
Nose-to-Tail $10k
PetSure
~$45/month*
Annual Limit
$10,000
Benefit
70% back
Excess Options
$0 / $1 / $2 / $5
Waiting (Illness)
30 days
No Sub-LimitsGapOnly®
Visit Provider ↗
🛒
Everyday Pet Insurance
Basic
PetSure
~$30/month*
Annual Limit
$7,645
Benefit
80% back
Excess Options
$0 / $306
Waiting (Illness)
30 days
Has Sub-LimitsGapOnly®
Visit Provider ↗
💜
Trupanion Australia
Trupanion
Trupanion ✦ Independent
~$110/month*
Annual Limit
Unlimited
Benefit
90% back
Excess Options
$0 / $100 / $200 / $500
Waiting (Illness)
30 days
No Sub-LimitsDentalBehavioural
Visit Provider ↗

Market Structure: Who Really Underwrites Your Policy?

Grouped by actual underwriting entity. Many "different" brands share the same underwriter, claims process, and policy terms.

PetSure20 brands
🔴
AAMI Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
🤝
Australian Unity Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
🐕
Bow Wow Meow
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®3 plans
🐶
Buddy Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
💙
Bupa Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
🏦
CBA Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
🛒
Everyday Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®4 plans
🛡️
Guardian Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
🦮
Guide Dogs Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®3 plans
🏥
HCF Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
🟡
Kogan Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
💚
Medibank Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
🏪
Petbarn Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®2 plans
🦘
Pet Insurance Australia
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®1 plan
🌐
petinsurance.com.au
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
🐱
Potiki Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®2 plans
⭐
Prime Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
📋
Real Insurance Pet
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
🐾
RSPCA Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®2 plans
👴
Seniors Pet Insurance
Underwriter: PetSure (Australia) Pty Ltd
GapOnly®0 plans
Guild ✦ Independent2 brands
🔴
Coles Pet Insurance
Underwriter: Guild Insurance Limited
2 plans
🩺
Vets Choice
Underwriter: Guild Insurance Limited
1 plan
Auto & General ✦ Independent1 brand
💰
Budget Direct Pet Insurance
Underwriter: Auto & General Insurance Company Ltd
3 plans
RACQ ✦ Independent1 brand
🚗
RACQ Pet Insurance
Underwriter: RACQ Insurance Limited
1 plan
Trupanion ✦ Independent1 brand
💜
Trupanion Australia
Underwriter: Trupanion (via Hollard JV)
1 plan
Petcover / Arch Re ✦ Independent1 brand
🐾
Petcover
Underwriter: Arch Re (via Petcover Group)
2 plans
Pacific International ✦ Independent1 brand
👃
Knose Pet Insurance
Underwriter: Pacific International Insurance Pty Ltd
2 plans

💡 What This Means For You

When comparing pet insurance, don't just compare brand names — compare underwriters. If two brands share the same underwriter (e.g. PetSure), their claims process, policy wording, and exclusions may be very similar. For genuine product diversity, compare across different underwriting groups: PetSure vs Guild vs Knose (Pacific) vs Budget Direct (Auto & General) vs Trupanion.