Premiums can be paid via a direct debit payment or credit card each month. The default payment frequency on the policy is monthly, but you can contact Knose Pet Insurance and ask to pay your premiums as an annual lump sum; this won’t attract a discount, though.
There are two ways to claim on your Knose pet insurance policy:
You can get between 70% and 90% of your eligible vet bills covered, depending on the level of cover you choose. Knose pet insurance allows you to tailor your benefit percentage, annual limit, and annual excess amount to suit your needs. For more details, please read your policy’s PDS.
You can visit and seek treatment from any qualified or registered veterinarian of your choice within Australia. Getting quotes from different vets is a good idea to ensure you’re comfortable with what you’d be paying upfront before your claim is processed.
Knose pet insurance (and most other pet insurers) don’t cover pre-existing conditions. A pre-existing condition is an illness or symptoms of an ailment developed before taking out coverage or within the applicable waiting period. Bilateral conditions and conditions relating to a pre-existing condition will also be excluded from cover. Knose will review and remove pre-existing condition exclusions if they are satisfied that the condition has been resolved.
There’s a 14-day waiting period for most illnesses and a further six-month exclusion period for specified conditions, such as cruciate ligament conditions, hip dysplasia, and breed-related conditions like Brachycephalic Obstructive Airway Syndrome (BOAS). Accidental injuries can be covered within one day of taking out cover unless specified otherwise.
Knose pet insurance can insure pets as young as six weeks old and before they turn nine. There are no age limits when renewing policies if you’ve taken out coverage before the maximum age limit and maintained that policy with no break.
You can choose a zero-excess option on your policy (and increase your premiums) or an annual excess amount. You only pay the annual excess once per policy period. Make sure you check the policy terms for more information.
Knose pet insurance offers coverage for eligible vet costs if you’re travelling with your pet to New Zealand or Norfolk Island (for trips shorter than 60 days). Aside from that, all other treatments must be provided by a registered veterinarian, animal clinic, or animal surgery licensed in Australia.
You can cancel your Knose pet insurance online or by contacting the customer care team; all relevant contact information can be found in your PDS or on the website. Each policy has a 30-day cooling-off period, which means you can receive a refund of your premiums if you cancel it within this time (provided no claims were made).