What is best pet insurance in Australia in 2025-2026 according to Canstar, Finder and ProductReview is Bow Wow Meow, Petplan, Knose, RSPCA and Budget Direct, with Bow Wow Meow rated best overall with 4.7 stars for comprehensive cover $10K to $20K annual limit and fast claims 5 days. Best pet insurance should offer $10K to $20K annual cover, 80% to 90% reimbursement, $100 to $500 excess, cover accidents and illnesses including surgery $2K to $10K, cancer $5K to $10K, MRI $1,500 to $3,000 and hospital stays $500 to $3,000 per night, with fast claims 5 days and no sub-limits. Bow Wow Meow rated best overall with 4.7 stars from 1,000+ reviews, costing $40 to $70 per month for dog $10K to $20K annual cover, 80% to 90% reimbursement, $0 to $500 excess, covering accidents, illnesses, surgery, cancer, hospital and diagnostics, with $20K annual limit option $70 per month and 5 days claims via app. Petplan rated best comprehensive with 4.6 stars, $50 to $80 per month for $20K annual and $15K per condition no annual limit, 80% reimbursement. Knose rated best value with 4.5 stars, $30 to $60 per month for $10K to $20K annual 80% reimbursement. RSPCA 4.4 stars $35 to $65 per month, Budget Direct cheapest $30 to $50 per month 4.2 stars. So best pet insurance is Bow Wow Meow best overall 4.7 stars $40 to $70 per month $10K to $20K cover, Petplan best comprehensive $50 to $80 $20K plus $15K per condition, Knose best value $30 to $60, RSPCA 4.4 stars and Budget Direct cheapest $30 to $50, all covering $2K to $10K vet bills.
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