Pet insurances

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Last updated: 29 September 2025
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Jodi By Jodi

Compare 78 pet insurance policies from 28 insurers to find the best cover for your furry friend. Choose from policies offered by Trupanion, RSPCA, Pet Insurance Australia, Kogan, Budget Direct and more.

Unlike other insurance comparison websites, we don’t get paid by any of the insurers we’re comparing. CHOICE is nonprofit, so your membership fees help us fight for fair consumer rights, and empower you to get the best products.

Our comparison will help you:

  • decide which insurance is right for you and your pet
  • check how much of the vet bill an insurer will pay
  • check what excess payment options each policy has
  • check which policies have the highest annual benefits and the biggest range of features.
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Guide Dogs Basic Care
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Guide Dogs Basic Care

Max annual benefit 15000
Benefit per claim 75% vet bill covered
Excess Choose from $0 or $100
Minimum age for new cover 9 years
Maximum age for new cover No maximum age
Petinsurance.com.au Bronze Cover
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Petinsurance.com.au Bronze Cover

Max annual benefit 20000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $250 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 14 years
Kogan Pet Primary Cover
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Kogan Pet Primary Cover

Max annual benefit 8000
Benefit per claim 80% vet bill covered
Excess Choose from $0 or $50
Minimum age for new cover 8 weeks
Maximum age for new cover No maximum age
Petcover Economy
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Petcover Economy

Max annual benefit 7000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Cats: $125 Dogs: $150
Minimum age for new cover 8 weeks
Maximum age for new cover No maximum age
Guardian Platinum
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Guardian Platinum

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
RAC Pet Insurance
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RAC Pet Insurance

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petbarn Total
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Petbarn Total

Max annual benefit No annual limit (up to $1200 overall combined limit for most conditions)
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 6 years
Bupa Standard
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Bupa Standard

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petcover Entry
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Petcover Entry

Max annual benefit Cats: $9000. Dogs: $10000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Cats: $125 Dogs: $150
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Petcover Mid-point
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Petcover Mid-point

Max annual benefit Cats: $10000. Dogs: $15000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Cats: $125 Dogs: $150
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Petsy Kitten Protection Plus
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Petsy Kitten Protection Plus

Max annual benefit Choose from $6000, $12000 or $30000 if pet insured before 6 months old. Choose from $5500, $11000 or $27500 if pet insured before 1 year old
Benefit per claim Choose from 80% or 90% vet bill covered
Excess Choose from $0, $150, $200, $300 or $500
Minimum age for new cover 6 weeks
Maximum age for new cover 1 year
Mad Paws Deluxe Plan
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Mad Paws Deluxe Plan

Max annual benefit 15000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 9 years
Bupa Ultimate
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Bupa Ultimate

Max annual benefit 20000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petcover Superior
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Petcover Superior

Max annual benefit Cats: $15000. Dogs: $20000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Cats: $125 Dogs: $150
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Prime Imperial
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Prime Imperial

Max annual benefit 14000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
CBA Plus Cover
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CBA Plus Cover

Max annual benefit 30000
Benefit per claim Choose from 80% or 90% vet bill covered
Excess Choose from $0 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
HCF Pet Premium
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HCF Pet Premium

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $50, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
RSPCA Ultimate
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RSPCA Ultimate

Max annual benefit 11000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petsy Pet Protection Plus
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Petsy Pet Protection Plus

Max annual benefit Choose from $5000, $10000 or $25000
Benefit per claim Choose from 80% or 90% vet bill covered
Excess Choose from $0, $150, $200, $300 or $500
Minimum age for new cover 1 week
Maximum age for new cover 8 years
Budget Direct Comprehensive
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Budget Direct Comprehensive

Max annual benefit 15000
Benefit per claim 80% vet bill covered
Excess Choose from $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
RSPCA Economy
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RSPCA Economy

Max annual benefit 11000
Benefit per claim 75% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Budget Direct Plus
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Budget Direct Plus

Max annual benefit 25000
Benefit per claim 80% vet bill covered
Excess Choose from $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petbarn Core Plus
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Petbarn Core Plus

Max annual benefit No annual limit (up to $1000 per condition)
Benefit per claim 90% vet bill covered, dropping to 65% with age
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petinsurance.com.au Gold Cover
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Petinsurance.com.au Gold Cover

Max annual benefit 20000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $250 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Coles Comprehensive
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Coles Comprehensive

Max annual benefit 12000
Benefit per claim Choose from 80% or 100% vet bill covered
Excess 200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Kogan Pet Luxury Cover
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Kogan Pet Luxury Cover

Max annual benefit 15000
Benefit per claim 80% vet bill covered, dropping to 65% with age
Excess Choose from $0, $50 or $100
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Everyday Insurance Comprehensive
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Everyday Insurance Comprehensive

Max annual benefit 24000
Benefit per claim 80% vet bill covered
Excess Choose from $0 or $100
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petcover Core
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Petcover Core

Max annual benefit 5000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Medibank Pet Protect
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Medibank Pet Protect

Max annual benefit 10000
Benefit per claim 70% vet bill covered
Excess Choose from $0, $100 or $250
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Australian Seniors Basic Cover
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Australian Seniors Basic Cover

Max annual benefit $12000 (up to $2000 per condition)
Benefit per claim 60% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 15 years
Kogan Indoor Cat cover
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Kogan Indoor Cat cover

Max annual benefit 5000
Benefit per claim 80% vet bill covered, dropping to 65% with age
Excess Choose from $0 or $50
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
PetsOnMe Classic Plan
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PetsOnMe Classic Plan

Max annual benefit 10000
Benefit per claim 80% vet bill covered
Excess Choose from $100, $200 or $300
Minimum age for new cover 6 weeks
Maximum age for new cover 8 years
Petcover Catastrophe 2
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Petcover Catastrophe 2

Max annual benefit 10000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Choose from $450 or $900
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Australian Seniors Top Cover
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Australian Seniors Top Cover

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petinsurance.com.au Platinum Cover
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Petinsurance.com.au Platinum Cover

Max annual benefit 30000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $250 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Bow Wow Meow Nose-To-Tail Cover
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Bow Wow Meow Nose-To-Tail Cover

Max annual benefit Choose from $10000, $20000 or $30000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $250 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
RSPCA General
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RSPCA General

Max annual benefit $11000 (up to $2000 per condition)
Benefit per claim 60% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 15 years
Trupanion Pet Insurance
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Trupanion Pet Insurance

Max annual benefit No annual limit
Benefit per claim 90% vet bill covered
Excess Choose from $0–$1000
Minimum age for new cover No minimum age
Maximum age for new cover 13 years
Guardian Bronze
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Guardian Bronze

Max annual benefit $12000 (up to $2000 per condition)
Benefit per claim 60% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 15 years
Petcover Catastrophe 1
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Petcover Catastrophe 1

Max annual benefit 5000
Benefit per claim 100% vet bill covered, dropping to 65% with age
Excess Choose from $450 or $900
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
Petsy Puppy Protection Plus
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Petsy Puppy Protection Plus

Max annual benefit Choose from $6000, $12000 or $30000 if pet insured before 6 months old. Choose from $5500, $11000 or $27500 if pet insured before 1 year old
Benefit per claim Choose from 80% or 90% vet bill covered
Excess Choose from $0, $150, $200, $300 or $500
Minimum age for new cover 6 weeks
Maximum age for new cover 1 year
Guide Dogs Premium Care
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Guide Dogs Premium Care

Max annual benefit 20000
Benefit per claim 85% vet bill covered
Excess Choose from $0 or $50
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Prime Sovereign
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Prime Sovereign

Max annual benefit 14000
Benefit per claim 85% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Vets Choice Pro
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Vets Choice Pro

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $200, $350 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Fetch Pet Insurance
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Fetch Pet Insurance

Max annual benefit 30000
Benefit per claim Choose from 80%, 90% or 100% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 9 years
RACQ Pet Insurance
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RACQ Pet Insurance

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
RSPCA Ultimate Plus
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RSPCA Ultimate Plus

Max annual benefit 20000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Mad Paws Emergency Plan
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Mad Paws Emergency Plan

Max annual benefit Choose from $5000, $5300, $5500, $5800, $6000, $6300, $6500 or $6800
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 11 years
Real Insurance Premium
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Real Insurance Premium

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Pet Insurance Australia Pet Essentials
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Pet Insurance Australia Pet Essentials

Max annual benefit $6000 (up to $1000 per condition)
Benefit per claim 90% vet bill covered, dropping to 65% with age
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 11 years
Knose Pet Insurance
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Knose Pet Insurance

Max annual benefit Choose from $7500, $12500 or $25000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 6 weeks
Maximum age for new cover 8 years
Budget Direct Essential
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Budget Direct Essential

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Pet Circle Pet Insurance
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Pet Circle Pet Insurance

Max annual benefit Cats: choose from $2500, $5000 or $10000. Dogs: choose from $10000, $17500 or $30000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $75 or $150
Minimum age for new cover 6 weeks
Maximum age for new cover 8 years
PetsOnMe Deluxe Plan
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PetsOnMe Deluxe Plan

Max annual benefit 15000
Benefit per claim 80% vet bill covered
Excess Choose from $100, $200 or $300
Minimum age for new cover 6 weeks
Maximum age for new cover 8 years
Mad Paws Classic Plan
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Mad Paws Classic Plan

Max annual benefit Choose from $9000, $10000 or $11100
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 9 years
Petinsurance.com.au Silver Cover
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Petinsurance.com.au Silver Cover

Max annual benefit 20000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $250 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 14 years
Prime Regal
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Prime Regal

Max annual benefit $14000 (up to $2000 per condition)
Benefit per claim 65% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 15 years
Coles Premium
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Coles Premium

Max annual benefit 15000
Benefit per claim Choose from 80% or 100% vet bill covered
Excess 200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Everyday Insurance Basic
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Everyday Insurance Basic

Max annual benefit 5000
Benefit per claim 80% vet bill covered
Excess Choose from $0 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover No maximum age
Medibank Pet Max
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Medibank Pet Max

Max annual benefit 30000
Benefit per claim 90% vet bill covered
Excess Choose from $0, $100 or $250
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Vets Choice Elite
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Vets Choice Elite

Max annual benefit 15000
Benefit per claim 80% vet bill covered
Excess Choose from $200, $350 or $500
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Coles Basic
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Coles Basic

Max annual benefit 10000
Benefit per claim Choose from 80% or 100% vet bill covered
Excess 200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petbarn Core
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Petbarn Core

Max annual benefit No annual limit (up to $500 per condition)
Benefit per claim 90% vet bill covered, dropping to 65% with age
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Petcover Key
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Petcover Key

Max annual benefit 15000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years
HCF Pet Premium plus Routine Care
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HCF Pet Premium plus Routine Care

Max annual benefit 12000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $50, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Guardian Gold
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Guardian Gold

Max annual benefit 12000
Benefit per claim 75% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Medibank Pet Plus
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Medibank Pet Plus

Max annual benefit 25000
Benefit per claim 80% vet bill covered
Excess Choose from $0, $100 or $250
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Guide Dogs Comprehensive Care
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Guide Dogs Comprehensive Care

Max annual benefit 15000
Benefit per claim 80% vet bill covered
Excess Choose from $0 or $50
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Real Insurance Classic
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Real Insurance Classic

Max annual benefit $12000 (up to $2000 per condition)
Benefit per claim 60% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 15 years
CBA Classic Cover
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CBA Classic Cover

Max annual benefit 15000
Benefit per claim Choose from 70% or 80% vet bill covered
Excess Choose from $0 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Real Insurance Standard
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Real Insurance Standard

Max annual benefit 12000
Benefit per claim 75% vet bill covered
Excess 0
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
Everyday Insurance Standard
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Everyday Insurance Standard

Max annual benefit 10000
Benefit per claim 80% vet bill covered
Excess Choose from $0 or $100
Minimum age for new cover 8 weeks
Maximum age for new cover 8 years
PetsOnMe Accident Plan
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PetsOnMe Accident Plan

Max annual benefit 5000
Benefit per claim 80% vet bill covered
Excess Choose from $100, $200 or $300
Minimum age for new cover 6 weeks
Maximum age for new cover 11 years
Petcover Vital
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Petcover Vital

Max annual benefit 10000
Benefit per claim Choose from 70%, 80% or 90% vet bill covered
Excess Choose from $0, $100 or $200
Minimum age for new cover 8 weeks
Maximum age for new cover 7 years