We updated the pricing information in the table with our latest data.
With so 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.
| 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 |
 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 | |
 Bow Wow Meow Ultimate Care |
$95.86 | 80.00% | $0.00 | $20,000 | 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.
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.