Explore Pet Insurance

Knose pet insurance at a glance

  • Get between 70-90% back on eligible vet bills
  • Flexible annual excess options
  • No sub-limits
  • Optional benefits for dental, behavioural and specialised therapies

About Knose

Knose specialises in pet healthcare and well-being, offering a dedicated Pet Care Plan and pet insurance cover flexible enough for all budgets. Pet owners can tailor their coverage by choosing their reimbursement rate, annual limit, annual excess (if any), and optional extra benefits for dental and specialised treatments. Knose pet insurance is underwritten by Pacific International Insurance Pty Ltd.

What does Knose pet insurance cover?

When you sign up for Knose pet insurance, you can select your level of cover by choosing your annual limit, benefit percentage, and annual excess.

Knose Simple Pet Insurance policies can cover:

  • Costs of vet treatment for accidental injuries and illnesses
  • Emergency pet boarding
  • Essential euthanasia
  • Overseas vet costs in New Zealand and Norfolk Island (for trips shorter than 60 days).

Eligible vet costs are reimbursed up to the benefit percentage and annual limit, and subject to the annual excess. Be sure to read your Product Disclosure Statement (PDS) to know exactly what your pet is – and isn’t – covered for.

Optional extras

Knose pet insurance also offers three optional extras with the Simple Pet Insurance plan, which you can choose to add to your policy for an additional premium and extended coverage. These are:

  • Dental Illness – Provides cover for dental illnesses like gingivitis, periodontal disease, and other dental diseases. It doesn’t cover general dental check-ups.
  • Behavioural Problems – Includes cover for treating behavioural issues like overeating, excessive chewing or licking, anxiety, aggression, and obsessive behavioural disorders.
  • Specialised Therapies – Covers related specialised therapies like physiotherapy, acupuncture, and hydrotherapy. It doesn’t cover routine care procedures or elective treatments.

Why choose Knose pet insurance?

Besides combining simplicity and flexibility in a straightforward pet insurance plan, Knose pet insurance also offers added benefits worth considering, like:

  • No sub-limits and no price cap on certain pet treatments or conditions
  • 14-day waiting periods for illnesses
  • Free 24/7 access to Pet Health Hotline to speak to a registered vet nurse and get free advice
  • Cover for overseas vet costs in New Zealand or Norfolk Island (for trips shorter than 60 days)
  • Standalone Pet Care Plan for check-ups, vaccinations, fleas, worming, and more available

Frequently asked questions

How can I pay for my Knose pet insurance and is it cheaper to pay my premium annually?

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.

How do I make a pet insurance claim with Knose?

There are two ways to claim on your Knose pet insurance policy:

  1. You can lodge a claim online via your Knose Portal and follow the prompts for new claims. You’ll need to attach a copy or photo of your paid invoice. The assessment team may contact your vet for a copy of the clinic notes related to the invoice.
  2. Alternatively, you can ask your vet to initiate the claim on your behalf and you’ll be contacted to confirm the details.

How much of my vet bills does Knose pet insurance cover?

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.

Does Knose pet insurance allow me to choose the treating vet?

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.

Does Knose pet insurance cover pre-existing conditions?

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.

Does Knose pet insurance have waiting periods?

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.

Is there an age limit for pets covered by Knose pet insurance?

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.

Do I have to pay an excess with Knose pet insurance?

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.

Does Knose pet insurance cover overseas vet costs?

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.

How do I cancel my Knose pet insurance?

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).

Compare pet insurance today

Shopping for pet insurance is no walk in the park. Luckily, you can use our online comparison tool to compare different pet insurance policies – including Knose pet insurance – all in one place. Just enter a few details about your pet, and you’ll get a list of suitable pet plans with highlighted prices, features, and benefit limits.


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