We updated the status of our data collection.
| Pet Insurance Plan | Monthly Premium | Vet Bills Covered | Excess Amount | Annual Benefit Limit | Waiting Period for Illness | Compare quotes |
|---|---|---|---|---|---|---|
 Budget Direct Pet Insurance |
$87.24 | 80.00% | $100.00 | $12,000 | 30 days | Get quote |
 Pet Insurance Australia Major Medical Plan |
$85.65 | 80.00% | $0.00 | $30,000 | 30 days | Get quote |
|
|
$108.13 | 90.00% | $0.00 | $25,000 | 14 days | Get quote |
 Vets Choice Elite |
$65.66 | 80.00% | $200.00 | $15,000 | 21 days | Get quote |
 Coles Premium |
$93.05 | 100.00% | $200.00 | $15,000 | 21 days | Get quote |
|
|
$109.70 | 90.00% | $0.00 | $25,000 | 14 days | Get quote |
 Guardian Platinum Accident & Illness Cover |
$88.72 | 80.00% | $0.00 | $12,000 | 30 days | Get quote |
 Real Premium Accident & Illness Cover |
$90.61 | 80.00% | $0.00 | $12,000 | 30 days | Get quote |
 RSPCA Ultimate Plus Accident & Illness Cover |
$96.59 | 80.00% | $0.00 | $20,000 | 30 days | Get quote |
 Seniors Top Accident & Illness Cover |
$88.76 | 80.00% | $0.00 | $12,000 | 30 days | Get quote |
 Bow Wow Meow Ultimate Care |
$95.86 | 80.00% | $0.00 | $20,000 | 30 days | Get quote |
 Everyday Comprehensive Plus |
$82.40 | 80.00% | $0.00 | $30,000 | 30 days | |
 Kogan Pet Luxury |
$81.70 | 80.00% | $0.00 | $15,000 | 30 days | |
 Guide Dogs Premium Care |
$105.09 | 85.00% | $0.00 | $20,000 | 30 days | |
 Prime Sovereign Accident & Illness Cover |
$106.64 | 85.00% | $0.00 | $14,000 | 30 days | |
 HCF Pet Premium |
$89.01 | 80.00% | $0.00 | $12,000 | 30 days | |
 Bupa Ultimate |
$95.23 | 80.00% | $0.00 | $20,000 | 30 days | |
 Petbarn Total Cover |
$97.45 | 100.00% | $0.00 | Up to applicable benefit limits | 20 days | |
 PetInsurance.com.au Accidental Injury & Illness Cover |
$80.21 | 80.00% | $0.00 | $10,000 | 30 days | |
 Petcover Pet Insurance Superior |
$102.16 | Up to 100% | $150.00 | $20,000 | 21 days |
How We Created This Pet Insurance Comparison
Using an example case, we obtained quotes from each provider’s website from February to March 2024. Our quotes were obtained for a 6-month-old, de-sexed, female Cavalier King Charles Spaniel with a 60-year-old owner, living in New South Wales, 2150. No discounts or promo codes were applied, and for each plan, we selected comprehensive coverage and declined any supplementary benefits. Wherever possible, we opted for a policy with $0 excess and an immediate start date; for further details, you can refer to our Pet Insurance Claims statistics page if you’re interested. We are currently in the process of updating all these quotes with 2025 data.
All figures were correct at the time of the quotes – February to March 2024. Pet insurance pricing can change drastically, so remember to do a quote on the provider’s site before getting any policy.
Please bear in mind as you compare pet insurance options detailed within the table that the premium and coverage offered to you will vary based on your pet’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 insurance product, you should carefully review the full terms and conditions listed in the Product Disclosure Statement.
Why is pet insurance important?
“There’s no doubt in my mind that pet insurance saves lives”
– Dr. Chris Brown
You never know what life or your pet is going to throw at you. Pet insurance can help cover the costs of vet costs, so you’re out of pocket for less. Australia’s famous “Bondi Vet”, Dr. Chris Brown, believes in it so much, he joined Medibank Pet Insurance as their ambassador.