What is most highly recommended pet insurance in Australia in 2025-2026 according to Canstar, Finder, ProductReview and Trustpilot is Bow Wow Meow rated best overall with 4.7 stars from 1,000+ reviews, followed by Petplan 4.6 stars, Knose 4.5 stars, RSPCA 4.4 stars and Budget Direct 4.2 stars cheapest, with Bow Wow Meow recommended for comprehensive cover $10K to $20K annual limit and fast claims 5 days. Most highly recommended pet insurance should offer $10K to $20K annual limit, 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 via app and no sub-limits. Bow Wow Meow rated most highly recommended 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. Petplan rated 4.6 stars $50 to $80 per month for $20K annual plus $15K per condition no annual limit, best for comprehensive unlimited per condition. Knose 4.5 stars best value $30 to $60 per month $10K to $20K annual 80% reimbursement. RSPCA 4.4 stars $35 to $65 per month with charity support, Budget Direct cheapest $30 to $50 per month 4.2 stars. So most highly recommended is Bow Wow Meow 4.7 stars best overall $40 to $70 per month $10K to $20K cover, Petplan 4.6 stars best comprehensive $50 to $80, Knose best value $30 to $60, RSPCA 4.4 and Budget Direct cheapest.
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