🇦🇺 Australia · AUD
Pet insurance in Australia, compared honestly
4 insurers, 6 head-to-head comparisons and a best-plan pick for 32 breeds — built on our own Australian vet-cost index rather than on commission.
Updated 2026-10-244 insurers, 6 head-to-head comparisons and a best-plan pick for 32 breeds — built on our own Australian vet-cost index rather than on commission.
Updated 2026-10-24Up to 80% back on eligible vet bills, optional routine-care add-on, GapOnly at many clinics.
Get a quote →Accident, illness and comprehensive tiers; part of every premium supports the RSPCA.
Get a quote →Covered For Life plans that keep covering ongoing conditions year after year.
Get a quote →Flexible annual limits and excess options; claims paid direct to your bank in days.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
| Big claim | Worst-case bill | You pay at 80% | You pay at 90% |
|---|---|---|---|
| ACL / Cruciate Repair (TPLO) | A$7,600 | A$1,900 | A$1,190 |
| Foreign Body Surgery (swallowed object) | A$5,700 | A$1,520 | A$1,000 |
| Cancer Treatment (chemo course) | A$14,250 | A$3,230 | A$1,850 |
| Dental Cleaning with Extractions | A$3,325 | A$1,045 | A$760 |
Assumes a A$475 annual deductible, one claim year, AUD. Every insurer prices and excludes differently — check the policy wording.
Modelled premiums (estimates, not quotes) for a healthy puppy typically run A$46–A$150 a month depending on breed, age and postcode.
It depends on what you could absorb in cash. The worst single bill we model in Australia is A$7,600. If that would go on credit, insurance is doing real work; if you keep that in savings, self-insuring is defensible.
Pre-existing conditions, anything inside the waiting period, and usually routine or elective care unless you buy a wellness add-on.
On fit rather than commission: breed risk from our cost index against each insurer's own published positioning. We do not hold anyone's rate cards and we say so on every page.