Pet Insurance
with Policy Direct
Help protect your dog or cat against eligible unexpected veterinary costs with flexible pet insurance options from Knose.
Flexible Cover for Eligible Dogs & Cats
Knose lets eligible pet owners customise key parts of their policy, including the annual limit, benefit percentage and annual excess.
Annual Limit
Choose from $7,500, $12,500 or $25,000 annual limits when taking out eligible cover.
Benefit Percentage
Choose 70%, 80% or 90% of eligible vet costs, subject to the policy terms and excess.
Annual Excess
Knose offers annual excess choices of $0, $100 or $200, subject to eligibility and policy terms.
No Sub-Limits
Knose states that eligible treatments are not restricted by condition-specific sub-limits within the selected annual limit.
Knose Pet Insurance
Knose Pet Insurance is available for eligible dogs and cats living in Australia. Standard cover is designed for unexpected injuries and illnesses, with optional benefits available for eligible policies.
New policies are available for eligible pets from six weeks old up to eight years and 364 days old. Once insured, Knose states there is no maximum age for renewal, subject to the policy continuing to meet its terms.
Go directly to the Knose quote tool to check available options for your pet.
Get Knose Quote →
Protection for Unexpected Vet Costs
Subject to the PDS, eligibility and exclusions, Knose cover can respond to a range of eligible veterinary treatments associated with unexpected injury or illness.
Accidental Injury
Eligible veterinary treatment for accidental injuries may be covered after the applicable exclusion period.
Illness
Eligible illnesses may be covered after the applicable exclusion period, provided they are not excluded or pre-existing.
Chronic Conditions
Eligible chronic conditions may be covered where they are not assessed as pre-existing and policy conditions continue to be met.
Optional Benefits
Eligible policies may add benefits for Dental Illness, Behavioural Conditions and Specialised Therapies.
Know When Cover Starts
Pet insurance does not necessarily cover conditions immediately after the policy begins. Knose applies exclusion periods to different categories of cover.
Injury — 1 Day
Knose currently states a one-day exclusion period for injuries.
Illness — 14 Days
Knose currently states a 14-day exclusion period for illnesses.
Selected Conditions — 6 Months
Longer periods apply to specified conditions and eligible optional Dental Illness and Behavioural Conditions cover. Check the current PDS for exceptions and details.
Why Your Pet's Medical History Matters
Pet insurance is generally designed for unexpected future events rather than conditions that already existed before cover commenced or arose during an applicable exclusion period. Knose assesses pre-existing symptoms and conditions according to its policy wording.
When obtaining a quote and purchasing cover, read the current Product Disclosure Statement carefully and provide accurate information about your pet.
Knose Pet Insurance FAQs
The following is general information based on Knose's published product information. The current PDS and your Certificate of Insurance govern your actual cover.
1. Does Knose insure both dogs and cats?
Yes. Knose Pet Insurance is available for eligible domestic dogs and cats that meet its eligibility requirements.
2. What annual limits can I choose?
Knose currently offers annual limit choices of $7,500, $12,500 or $25,000 for eligible new policies.
3. What benefit percentages are available?
You can currently choose a benefit percentage of 70%, 80% or 90%. This is the percentage of eligible vet costs Knose pays, subject to the annual excess, annual limit and policy terms.
4. What annual excess options are available?
Knose currently offers annual excess options of $0, $100 or $200, subject to the policy terms.
5. Does Knose have treatment sub-limits?
Knose states that it does not apply condition-specific sub-limits to eligible treatments. Claims remain subject to the selected annual limit, benefit percentage, excess and all other policy terms.
6. What is the exclusion period for accidental injuries?
Knose currently states a one-day exclusion period for injuries. Check the current PDS for how exclusion periods apply to your policy.
7. What is the exclusion period for illness?
Knose currently states a 14-day exclusion period for illnesses. Longer exclusion periods apply to certain specified conditions and optional benefits.
8. Are pre-existing conditions covered?
Pre-existing symptoms and conditions are generally excluded unless an exemption or other policy provision applies. Check Knose's assessment and current policy wording.
9. What age must my pet be to start cover?
Knose currently accepts eligible pets from six weeks old up to eight years and 364 days old when starting a new policy. Eligibility requirements also apply.
10. Is there an age limit for renewal?
Knose states that there is no maximum age limit for renewing an existing eligible policy.
11. Can I add dental cover?
Dental Illness is available as an optional benefit on eligible policies. Optional benefits can only be added while the pet meets Knose's applicable age and eligibility requirements.
12. Does Knose cover behavioural conditions?
Behavioural Conditions can be selected as an optional benefit for eligible policies, subject to the applicable exclusion period, terms and exclusions.
13. Does pet insurance cover vaccinations and routine check-ups?
No. Knose states that routine and preventative care such as vaccinations, routine check-ups and grooming is not covered by its pet insurance. Pet Care Plans are separate from insurance.
14. Can I switch to Knose from another pet insurer?
Knose states that it may waive injury and illness exclusion periods in certain circumstances when switching from another insurer with equal or greater existing cover held for at least 12 months. Conditions and an application process apply.
15. How can I get a Knose Pet Insurance quote through Policy Direct?
Use one of the Get a Quote buttons on this page. You will be taken to Knose's quote tool using Policy Direct's affiliate link, where you can enter your pet's details and review available options.
Get a Knose Pet Insurance Quote
Enter your dog's or cat's details in Knose's quote tool to see the cover options available for your pet. Read the PDS and consider whether the product is appropriate for your circumstances before purchasing.
Get a Pet Insurance Quote →