We’ve comparison shopped all 25 pet insurance brands to help you quickly compare pet insurance benefits and costs.
Premiums across all plans average $52.98, with the most expensive plan costing nearly $28 per month more than the cheapest – an annual cost of $334! It is important to note that plan benefits and terms do vary widely, so read our pet insurance reviews and be sure to shop around.
| Pet Insurance Plan | Monthly Premium | Vet Bills Covered | Excess Amount | Annual Benefit Limit | Waiting Period for Illness | Our Rating |
|---|---|---|---|---|---|---|
 Woolworths |
$43.01 | 80% | $100 | $10,000 | 30 |  |
 Bow Wow Meow |
$36.62 | 80% | $100 | $8,000 | 30 | |
 HCF |
$53.12 | 80% | $100 | $12,000 | 30 | |
 Pet Insurance Australia |
$53.08 | 80% | $100 | $15,000 | 30 | |
 Pet Plan |
$58.03 | 100%
(until age 8) |
$150 | $10,000 | 21 |  |
 Medibank |
$53.62 | 80% | $100 | $12,000 | 30 |  |
 BUPA |
$56.99 | 80% | $100 | $12,000 | 30 |  |
 RSPCA |
$52.81 | 75% | $0 | $11,000 | 30 | |
 Prime |
$64.53 | 80% | $0 | $14,000 | 30 | |
 Petbarn |
$54.50 | 80% | $100 | $15,000 | 30 | |
 Pet Secure |
$56.53 | 75% | $0 | $12,000 | 30 | |
 Prosure |
$57.17 | 80% | $0 | $12,500 | 30 | |
 Petcover |
$42.00 | 100% | $150 | $7,500 | 30 | |
 RACQ |
$51.49 | 80% | $100 | $12,000 | 30 | |
 Insuranceline |
$51.90 | 80% | $100 | $10,000 | 30 | |
 Real |
$53.24 | 75% | $0 | $12,000 | 30 | |
 PetInsurance.com.au |
$60.02 | 80% | $0 | $10,000 | 30 | |
 Guide Dogs |
$58.03 | 100%
(until age 8) |
$150 | $10,000 | 21 | |
 Australia Post |
$48.46 | 80% | $100 | $10,000 | 30 | |
 Australian Seniors |
$51.57 | 75% | $0 | $12,000 | 30 | |
 Petmed |
$55.84 | 80% | $99 | $12,000 | 30 | |
 MiPet |
$69.31 | 80% | $0 | $11,000 | 30 | |
 1300 Insurance |
$41.20 | 75% | $0 | $10,000 | 30 | |
 Guardian |
$52.21 | 75% | $0 | $12,000 | 30 | |
 HIF |
$33.24 | 65% | $0 | $8,000 | 30 |
How We Obtained These Pet Insurance Quotes
To help you compare pet insurance, we obtained quotes from each provider’s Website on January 28, 2017. Quotes are based on a 6 month old, desexed, female Cavalier King Charles Spaniel, residing in postal code 2150 (New South Wales) with an owner who is 60 years old. No discounts or promo codes were applied. (Be sure to check our list of pet insurance coupons and promo codes for a list of current promotions.)
For each plan, we selected accident and illness coverage (typically the middle level of coverage offered) with the lowest annual benefit limit and declined any supplementary benefits. Where choice of excess amount was available, we selected $100.
The premium and coverage offered to you may vary widely based upon your dog’s breed, sex and age, your age and location, as well as the level of coverage you select, pricing changes and promotional offers. Prior to purchasing any pet insurance product, you should compare pet insurance plans for your own financial and healthcare needs and carefully review the full terms and conditions, as listed in the product disclosure statement.
