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Pet insurance comparison

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Last updated: 20 August 2024
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Fact-checked

Checked for accuracy by our qualified fact-checkers, verifiers and subject experts. Find out more about fact-checking at CHOICE.

Compare 79 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 the for-profit comparison websites, we don't get paid by any of the insurers we're comparing.

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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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Brand

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

    Covers dogs

      Covers cats

        Comprehensive injury cover

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        Show only policies with comprehensive accidental injury cover.

          Comprehensive illness cover

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          Show only policies with comprehensive illness cover.

            Maximum annual limit for cats

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            The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.

            enter value/s in increments of i between 5000 and 30000

            Maximum annual limit for dogs

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            The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.

            enter value/s in increments of i between 5000 and 30000

            Benefits stay the same as your pet ages

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            Show only policies that keep benefits the same through your pet's life. Some policies reduce the percentage of each vet bill covered as your pet ages. A policy that covers 100% of the bill when your pet is young may cover as little as 65% after it turns 8. These policies are likely to leave you more out of pocket at an age when your pet is likely to need more veterinary care.

              Maximum age for new cover

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              The insurer won't sell a new policy for animals older than this.

                Minimum age for new cover

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                Insurer won't cover animals younger than this.

                  Included in this comparison

                  Members-only access
                  • Underwriter
                  • Policy type
                  • Animals covered
                  • Minimum age for new cover
                  • Maximum age for new cover
                  • Maximum benefit per year
                  • Benefit paid per claim
                  • Excess
                  • Injury
                  • Illness
                  • Vet consults
                  • Emergency treatment
                  • Pre-existing conditions
                  • Routine care
                  • Alternative therapies
                  • Loss theft and straying
                  • Euthanasia
                  • Legal liability
                  • Cancer
                  • Behavioural
                  • Brachycephalic
                  • Allergic reaction
                  • Cruciate ligament damage
                  • Dental
                  • Ear
                  • Eye
                  • Swallowing foreign objects
                  • Heart
                  • IVDD
                  • Hereditary conditions
                  • Joint conditions
                  • Orthopaedic
                  • Luxation
                  • Pregnancy
                  • Parasite
                  • Skin conditions
                  • VaccinatableCondition
                  • Snakebite

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