Compare Pet Insurance

We updated the data in our table.

With sooo many pet insurance options out there, comparing each one against the next can be time-consuming, if not a little tedious! To help you save time and brainpower, we’ve created this easy-to-read pet insurance comparison table. This should help you find the best!

Within the table, we’ve collated info from more than 15 pet insurance brands, placing all the need-to-know info for each product side-by-side. Taking into account cheap prices, premiums, excess amounts, limits, and waiting periods, the table breaks it all down, so you can quickly (and easily) compare each pet insurance policy to see how it stacks up.

You can click or tap on the table headers to sort by price, excess, waiting times, maximum coverage, and even brand name. If you have a specific brand in mind, you can search for it and then read my review. When you click “Get quote” you’ll be taken to that insurer’s website.

Of course, as each pet and each situation is different, the prices provided within the table won’t be the price you pay for your pet insurance. The table is meant as a guide to help you save time as you narrow your options, after which, you can get a more precise quote.

How much does pet insurance actually cost?

Pet insurance premiums across all plans averaged around $97, with the most expensive plan costing over $40 per month more than the cheapest. With an annual difference of over $500, it shows just how crucial it is to compare your options before buying pet insurance.

It’s also worth noting just how different each policy can be. While cost is worth comparing, the range of cover provided is also important. For more help comparing the cover offered within each policy, be sure to check out our detailed pet insurance reviews.

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PlanMonthly PremiumVet Bills CoveredExcess AmountAnnual Benefit LimitWaiting Period for IllnessCompare quotes
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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?

Dr. Chris Brown

“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.

Learn more about his commitment

Is it worth getting pet insurance in Australia?

Pets are just like humans and can have accidents and illnesses. Sometimes when you least expect it too. Having pet insurance covers you for the unknown that could come up with your loved companion.

What is the average cost for pet insurance in Australia?

Our research shows that the cost of pet insurance averaged around $97 per month.

What is the best age to get pet insurance?

It’s generally recommended to get pet insurance as soon as possible. This way your pet will be covered for problems that may present after this. There’s cut-off ages and these vary between insurer.

Who has the cheapest pet insurance?

According to our data in the table above, Kogan comes in with a monthly premium of $81.70 based on our criteria. Of course this will change based on your pet’s breed, age and pre-existing conditions. It’s worth getting multiple quotes for your pet to find the cheapest insurance for the situation