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Knose Pet Insurance Review

Sophie Venz
Editor

Updated: Apr 18, 2024, 2:32pm

Johanna Leggatt
editor

Edited By

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here. Read our advice disclaimer here.

Knose Pet Insurance offers one straight-forward policy to its customers, which is available for both cats and dogs. Pet owners can tailor the policy to suit a pet’s needs, with optional extras such as dental and behavioural therapy available. Plus, once you have Knose Pet Insurance your pet is covered for life, however, new policies can only be taken out for pets between eight weeks and nine years of age.

Pros

  • 90% reimbursement rate available
  • Positive customer reviews
  • Dental option as add-on

Cons

  • Routine care not automatically included
  • No GapOnly Payments
  • No cover for pets aged over nine years
Knose Pet Insurance
Maximum annual claim
$25,000
Choice of Excess
Yes: $0, $100 or $200
GapOnly Payment?
No

Table of Contents

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About Knose Pet Insurance

Knose Pet Insurance is a dedicated pet insurance and routine care plan provider. Founded in 2017, the company is based in Sydney with its insurance policies underwritten by Pacific International Insurance Pty Limited.

Its straightforward pet insurance offering is available for both cats and dogs, with the two policies almost identical. Knose also offers pet care plans for pet owners looking for an alternative to insurance, with these care plans ranging from $25.95 to $33.95 per month with no lock in contract for a medium-sized dog. These care plans often cover the check-ups and routine care that many insurance policies don’t, such as parasite protection (worming, flea and tick treatment), and  vet care allowances for check-ups.

To compare pet insurance policies throughout Australia, Forbes Advisor looked at the most comprehensive offerings from providers. As Knose Pet Insurance splits its policy between one for dogs and one for cats, the following review is in regard to data analysed on the dog insurance policy. However, as noted, the Knose Pet Insurance Cat Policy is practically identical, meaning both dog and cat owners can benefit from reading this review.

Knose Pet Insurance is highly regarded by its customers, scoring 4.6 stars from hundreds of reviews on ProductReview.

What Type of Pets Does Knose Cover?

Knose Pet Insurance is available for dogs (starting at a puppy age) and cats. No exotic pet insurance policies are available.

Related: Puppy Vaccinations In Australia Explained

What’s Covered With Knose Pet Insurance?

Knose Pet Insurance offers its policyholders an up to 90% reimbursement rate for veterinary bills. Upon taking out the policy, customers can choose between a reimbursement rate of 70%, 80% or the highest limit of 90%.

The standard maximum annual claim limit for most Australian pet insurance providers is $15,000 per year, however, Knose Pet Insurance offers its customers a choice of between $7,500, $12,500 the much higher claim limit of $25,000. Unfortunately, it doesn’t offer its customers a GapOnly service, so veterinary costs must be paid at the time of visit and then reimbursed via submitting a claim.

Like most pet insurance providers in Australia, routine cover is not automatically included within a Knose Pet Insurance Policy. Instead, PetCare plans are offered separately on a month-to-month basis for services such as flea, tick protection and credits towards vaccinations and check-ups.

A key feature of Knose Pet Insurance is its 24/7 Pet Health Hotline which is available at all times to address customer queries regarding their pet. The hotline is staffed by a registered vet nurse to help pet owners understand if their pet needs urgent veterinary care.

Further details of the inclusions and the exclusions of the Knose Pet Insurance Policy are outlined below.

Is Spaying and Neutering Covered?

No, spaying and neutering is not covered with the Knose Pet Insurance Policy. However, the product disclosure statement claims that additional vet costs for treatment of complex cryptorchid (undescended testicles) are covered if it is not a pre-existing medical condition.

What About Older Pets?

Yes, older pets are covered with the Knose Pet Insurance Policy: once you take out the insurance, your pet is covered for life. However, the policy must be taken out when your pet is under nine years old, as new policies are not given out to cats or dogs over the age of nine.

Is there a sub-limit for tick paralysis?

No, there is no sub-limit for tick paralysis treatment.

Are Dental or Extras Covered?

Dental is not automatically included on the Knose Pet Insurance Policy, however, it can be added on to the base policy at an additional cost.

Along with dental illness, you can also choose to add extra cover for treatment of injury, illness, behavioural problems, and/or specified conditions.

Excess Options

Knose Pet Insurance has three choices of excess: the higher the excess you pay, the lower the annual premium. The excess choices are $0, $100 or $200.

How Long Is the Waiting Period?

There is only a one day waiting period for accidents with Knose Pet Insurance, while the waiting period for illnesses (except specified conditions) is 14 days.

For specified conditions, the waiting period is six months.

Other waiting periods apply to optional extras as well. If you choose to add dental illness cover to your policy, you will need to wait fourteen days for pets under one year of age. For pets over a year old, you will have a waiting period of six months for dental.

If you choose to add behavioural problems cover to your Knose Pet Insurance Policy, the waiting period is also six months.

Are There Any Discounts or Bonuses?

No, there are no special discounts or bonuses available for the Knose Pet Insurance Policy, at the time of writing.

Frequently Asked Questions (FAQs)

Is Knose Pet Insurance good?

From our analysis of the wider Australian pet insurance industry, Knose Pet Insurance ranks quite highly compared to others. It received 4 stars through our analysis, and has also scored 4.6 stars on the customer opinion website ProductReview. Knose is highly regarded for its customer satisfaction.

Related: Best Comprehensive Pet Insurance Policies In Australia

Does Knose Pet Insurance cover both dogs and cats?

Yes, Knose Pet Insurance offers policies for both dogs and cats. The policies are practically identical, and consumers can choose to tailor the plan with optional extras depending on their pets’ needs.

What is the Knose Pet Insurance discount code?

At the time of writing, there is no discount code available for Knose Pet Insurance policies, but this may change in the future.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Sophie Venz Editor

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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