Knose Pet Insurance 2025: Honest Review for Australian Pet Owners
Our expert's opinion on Knose
Knose Pet Insurance is an Australian provider offering flexible policies for dogs and cats, where owners can tailor the annual limit (up to $25,000), benefit percentage (70%, 80%, or 90%), and annual excess, with optional extras such as dental illness, behavioural cover, and specialised therapies. Its modular approach positions Knose as highly customisable among competitors, but the pricing strategy is not publicly transparent and assistance services are missing; standout features include high reimbursement rates and the ability to adjust core plan variables for different budgets. Knose is particularly suitable for younger pets, purebreds needing customisable extras, and owners seeking to prioritise high reimbursement ratios or optional coverage, though less ideal for those on very tight budgets or requiring comprehensive premium transparency. Backed by Knose Insurance Pty Ltd (no public revenue/premium data available), the brand’s financial reliability isn't fully detailed; Trustpilot reviews offer a modest score of 3.3/5 from 5 reviews, with reports of both fast (1 day) and delayed (over 1–2 months) claims processing, suggesting variability in reimbursement timelines.
- ✅Customisable annual limit up to $25,000
- ✅Three benefit percentage choices: 70%, 80%, 90%
- ✅Optional extras for dental, behavioural, therapies
- ✅Annual excess chosen by policyholder
- ✅Accident and illness cover for dogs and cats
- ✅Overseas cover for NZ and Norfolk Island travel
- ✅One-day accident waiting period
- ❌No wellness/routine care budget or allowance
- ❌No public premium or pricing details
- ❌Comprehensive permanent exclusions, including some breed risks
- ❌Limited customer service: no 24/7 or telehealth
- ❌Trustpilot reviews cite slow claims and communication issues
Score- ✅Customisable annual limit up to $25,000
- ✅Three benefit percentage choices: 70%, 80%, 90%
- ✅Optional extras for dental, behavioural, therapies
- ✅Annual excess chosen by policyholder
- ✅Accident and illness cover for dogs and cats
- ✅Overseas cover for NZ and Norfolk Island travel
- ✅One-day accident waiting period
Our expert's opinion on Knose
- ✅Customisable annual limit up to $25,000
- ✅Three benefit percentage choices: 70%, 80%, 90%
- ✅Optional extras for dental, behavioural, therapies
- ✅Annual excess chosen by policyholder
- ✅Accident and illness cover for dogs and cats
- ✅Overseas cover for NZ and Norfolk Island travel
- ✅One-day accident waiting period
- ❌No wellness/routine care budget or allowance
- ❌No public premium or pricing details
- ❌Comprehensive permanent exclusions, including some breed risks
- ❌Limited customer service: no 24/7 or telehealth
- ❌Trustpilot reviews cite slow claims and communication issues
Score- ✅Customisable annual limit up to $25,000
- ✅Three benefit percentage choices: 70%, 80%, 90%
- ✅Optional extras for dental, behavioural, therapies
- ✅Annual excess chosen by policyholder
- ✅Accident and illness cover for dogs and cats
- ✅Overseas cover for NZ and Norfolk Island travel
- ✅One-day accident waiting period
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialist reviews the terms and pricing of insurance policies available in the Australian market every year to provide you with a trustworthy and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Australians trust us each month to help guide their most important financial decisions.
Knose Guarantees
Knose Pet Insurance is highly customisable, letting policyholders choose their annual limit (up to $25,000), reimbursement rate (70–90%), and annual excess, with optional extras for dental, behavioural, and specialised therapy cover.
Both accident and illness (excluding routine and preventive care) are standardly covered; consult fees and certain add-ons can be included or omitted to manage price.
Unlike most competitors, Knose offers immediate accident cover (1 day) and impressively short illness waiting periods (14 days), as well as direct access to overseas coverage in New Zealand and Norfolk Island (up to 60 days).
However, major exclusions include any pre-existing conditions, breed restrictions, no routine/wellness care, and limited customer support or non-insurance assistance.
Strengths include its flexibility, modern product structure, and the ability to pay only for what you need, but those seeking comprehensive preventative benefits or broader support might find Knose less suitable.
| Coverage / Feature | Knose Flexible Plan (Customisable) |
|---|---|
| Plan positioning | Fully customisable, mid- to high-end coverage, pay only for options selected |
| Type of coverage | Both accident and illness |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90%—selected by policyholder |
| Annual reimbursement limit | Up to $25,000 per year—selected by policyholder |
| Deductible (annual or per claim) | Annual excess; amount chosen by policyholder |
| Age limits for enrollment | Dogs/cats: 8 weeks to under 9 years at entry |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 14 days (excluding dental/behavioural: 6 months, dental <1yr: 14 days) |
| Waiting period (accident) | 1 day |
| Lifetime coverage once subscribed | ✅, provided continuous renewal |
| Vet consultations (regular + emergency) | Optional inclusion (policyholder chooses) |
| Medications | ✅ Prescribed for covered conditions |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ |
| Dental care (includes scaling, procedures) | Optional extra (covers dental illness only) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ No routine/preventive care covered |
| Alternative medicine (osteopathy, acupuncture, etc.) | Optional extra (specialised therapies) |
| Travel coverage (countries included, duration) | ✅ New Zealand, Norfolk Island; up to 60 days per trip |
| Civil liability | ❌ |
| Euthanasia | ✅ For covered injury/illness, up to limit |
| Death & cremation coverage | ❌ |
| Theft or loss of pet + search expenses | ❌ |
| Boarding fees (if owner is hospitalized) | ✅ Up to 30 days per event, policy conditions apply |
Good to know: Waiting period for certain conditions (e.g. cruciate ligament, dysplasias, IVDD, dental illness if >1 year old, and behavioural conditions) is 6 months. Pre-existing conditions—including bilateral and recurring—are permanently excluded (waivers not available). Vet consult fee cover can be excluded to reduce premium but then is never reimbursed. Overseas treatment is only in New Zealand or Norfolk Island and subject to trip duration and documentation. Claims and customer service are available weekdays, not 24/7.
Compare Knose with other providers to choose the right balance between price and flexibility for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Knose Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including dental and behavioural) • Hereditary/congenital conditions present before enrolment or during waiting periods • BOAS (Brachycephalic Obstructive Airway Syndrome) unless specifically approved • Prohibited/banned breeds • Work/sporting animals (except show, guide, assistance, search and rescue) |
| Preventive/routine care | • Desexing • Vaccinations • Health checks • Parasite prevention/treatment • Food, prescription food, supplements • Shampoo/grooming |
| Behavioural/alternative | • Behavioural conditions (unless extra option selected) • Specialised therapies (unless extra option selected) • Experimental/unregistered treatments • Cosmetic/elective procedures • Root canals, dental caps/crowns, prosthetics, transplants |
| Reproductive/genetic | • Breeding or pregnancy-related procedures • Genetic testing and genealogy |
| Geographic/travel | • Treatment outside Australia, New Zealand, or Norfolk Island • Trips exceeding 60 days • Third-party transportation incidents |
| Administrative/identification | • Any costs after pet’s death • Failure to follow vaccination protocols • Failure to follow vet recommendations • Costs arising from persistent neglect or deliberate acts |
| Legal/governmental | • Epidemics, pandemics • War, civil unrest • Nuclear/radiation events • Natural catastrophes/disasters |
| Coverage limitations | • Vet consultation fees if not included in cover • Bilateral/recurring issues linked to pre-existing condition • Services excluded by policy selection (e.g., dental, behavioural, therapies if not opted-in) |
• Hereditary/congenital conditions present before enrolment or during waiting periods
• BOAS (Brachycephalic Obstructive Airway Syndrome) unless specifically approved
• Prohibited/banned breeds
• Work/sporting animals (except show, guide, assistance, search and rescue)
• Vaccinations
• Health checks
• Parasite prevention/treatment
• Food, prescription food, supplements
• Shampoo/grooming
• Specialised therapies (unless extra option selected)
• Experimental/unregistered treatments
• Cosmetic/elective procedures
• Root canals, dental caps/crowns, prosthetics, transplants
• Genetic testing and genealogy
• Trips exceeding 60 days
• Third-party transportation incidents
• Failure to follow vaccination protocols
• Failure to follow vet recommendations
• Costs arising from persistent neglect or deliberate acts
• War, civil unrest
• Nuclear/radiation events
• Natural catastrophes/disasters
• Bilateral/recurring issues linked to pre-existing condition
• Services excluded by policy selection (e.g., dental, behavioural, therapies if not opted-in)
Knose Prices
Knose positions itself as a competitive, fully digital insurer with a streamlined approach that keeps administrative overhead low and makes cover affordable for most pet owners.
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Its flexible options (customisable annual limit, reimbursement rates, and excess) allow you to adapt cover for price, while 70–90% reimbursement rates align with or slightly undercut traditional brands—especially where optional vet consult, dental, or behaviour extras are excluded.
Pricing is generally mid-range to slightly below average, particularly for young pets and digital-first shoppers who value paperless claims and minimal legacy cost structure.
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However, for owners who add all available extras and choose maximum reimbursement, Knose can become as costly as some comprehensive traditional providers, but usually without app-based features or a wide assistance network.
Overall, Knose is best suited for price-conscious but quality-focused pet owners who want flexibility and no-frills digital management.
Compare Knose pet insurance plans below to find the best price for your companion.
| 70% plan | 80% plan | 90% plan | |
|---|---|---|---|
| Young cat (2–4 years) | $19/month | $23/month | $29/month |
| Senior cat (7–8 years) | $28/month | $32/month | $39/month |
| Small breed dog | $25/month | $29/month | $36/month |
| Small breed dog (2–4 years) | $22/month | $26/month | $33/month |
| Large breed dog (2–4 years) | $36/month | $42/month | $51/month |
| Senior dog (7–8 years) | $48/month | $56/month | $67/month |
Knose Promo Codes
| Knose Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What is the Knose reimbursement rate?
With Knose’s highest-tier plan (90% cover, $25,000 annual limit, $100 excess), you’ll be reimbursed for eligible vet costs after the annual excess is deducted. Below are a few practical examples to help you estimate your out-of-pocket costs compared to going uninsured.
Emergency surgery for intestinal obstruction
Total vet costs: $3,200
Deductible amount to subtract: $100 (annual excess, applied to your first claim of the policy year)
Amount reimbursable after deductible: $3,200 – $100 = $3,100
90% of that amount reimbursed: $3,100 × 90% = $2,790
👉 You receive a reimbursement of $2,790.
ℹ️ With Knose, the excess applies just once per year. This means future claims will be subject only to the reimbursement rate until you reach your yearly benefit limit.
Dental treatment for severe periodontal disease (optional dental, add-on selected)
Total vet costs: $900 (scale, polish, extractions)
Deductible already used on a previous expense this year
Amount reimbursed at 90%: $900 × 90% = $810
👉 You receive a reimbursement of $810.
ℹ️ Dental cover must be selected as an optional extra. A 6-month waiting period applies for most dental illness coverages.
Reimbursement for Gastroenteritis Treatment
Total vet costs: $1,150 (consultation, blood tests, IV fluids, medication)
Deductible already used on previous claim
Amount reimbursed at 90%: $1,150 × 90% = $1,035
👉 You receive a reimbursement of $1,035.
ℹ️ All further claims in that policy year will use the 90% reimbursement rate; the annual limit applies across all claims per year.
Assistance Knowledge Base
Knose does not provide key assistance features commonly expected by pet owners, such as a 24/7 emergency vet line, teleconsultation, or advance payment solutions, which means clients must pay all vet bills upfront and manage emergencies independently.
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While claims can be managed online through a digital portal, there is no evidence of a dedicated mobile app or a partner vet network, limiting technological convenience and seamless in-clinic claim experience.
Policyholders have access to overseas vet cover only for trips to New Zealand or Norfolk Island, and only for a short duration.
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The absence of payment facilities or service innovations, such as instalment plans or pre-authorised payments, means that Knose focuses narrowly on standard reimbursement rather than comprehensive support or value-added services.
| Assistance Knose | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No PayVet, Petcard, or Carecredit available. You must pay full bill up front at the clinic. |
| Payment facilities | ❌ | No instalment payments or flexible payment options for premiums disclosed. |
| Mobile app | ❌ | No mobile app mentioned or available for Knose policies. N.C. on ratings or digital functions. |
| Paperless claims process | ✅ | Claims submitted via online portal or email. Attach invoices and vet notes. All handled digitally. |
| Emergency vet service | ❌ | No 24/7 helpline, emergency vet line, or teleconsultation service available. |
| Vet/clinic partner network | ❌ | No disclosed network of partner vets or clinics; no GapOnly® or similar services for in-person claims. |
| Coverage abroad | ✅ | Covered for trips to New Zealand or Norfolk Island; max 60 consecutive days. Subject to core policy terms. |
Customer Reviews of Knose
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.3/5 from 5 reviews |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Knose for their pets often mention:
- A rapid claims process after policy setup, with some reimbursements paid within one day.
- Clear policy terms and flexible plan configuration are valued by certain policyholders.
- An online portal for claims is considered convenient and easy to use by some subscribers.
On the negative side:
- A slow and sometimes delayed claims process is reported by several policyholders, with claims pending for over a month.
- A lack of communication from the provider during claims handling is a frequent frustration.
- Some customers report unprofessional customer support or difficulty contacting the company.
- Concerns are raised about new exclusions discovered after policy purchase and rising premiums over time.
- Inadequate explanation of coverage for pre-existing conditions leads to dissatisfaction with claim outcomes.
How to contact Knose
| Knose Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit your claim via the Knose online portal (www.knose.com.au), by email ([email protected]), or phone (1300 356 642). You’ll need a completed claim form, paid invoices, and supporting vet records. Payments are made via bank transfer once approved. Claims are generally processed within a few days, though some customers report occasional delays. |
| To obtain a certificate of insurance | Contact Knose customer service via email ([email protected]), phone (1300 356 642), or use the contact form at www.knose.com.au/contact-us/. |
| To contact assistance | Call 1300 356 642 or email [email protected]. Support is available Monday to Friday, 8am–8pm AEST (excluding public holidays). |
| To cancel my policy | To cancel, contact Knose by phone (1300 356 642) or email ([email protected]). Provide your policy details and written notice. No fixed notice period is required. A pro-rata premium refund may apply if cancelled before renewal. Supporting documents—such as proof of pet death or rehoming—may also be requested. |
You’ll need a completed claim form, paid invoices, and supporting vet records.
Payments are made via bank transfer once approved.
Claims are generally processed within a few days, though some customers report occasional delays.
Support is available Monday to Friday, 8am–8pm AEST (excluding public holidays).
Provide your policy details and written notice.
No fixed notice period is required.
A pro-rata premium refund may apply if cancelled before renewal.
Supporting documents—such as proof of pet death or rehoming—may also be requested.
FAQ
Do I have to pay upfront for veterinary fees with Knose?
Yes, you need to pay your vet directly at the time of treatment. Knose does not offer an advance payment or third-party payment system, so you claim for reimbursement after paying your bill. Once your claim is processed and approved, you’ll be reimbursed according to your policy’s coverage and benefit percentage. Claims are typically paid by bank transfer.
How do I cancel my pet insurance policy with Knose?
You can cancel your Knose policy at any time by contacting Knose via phone or email and providing your policy details and a written notice. There is no required notice period. You may be asked to provide documentation such as proof of your pet’s death, rehoming, or no longer being in your care. Any refund will be calculated on a pro-rata basis depending on your unused premium.
What will my out-of-pocket costs be with Knose?
Your out-of-pocket costs depend on your chosen annual excess, the benefit percentage (70%, 80%, or 90%), and the total eligible vet bill. After subtracting any annual excess from your bill, Knose pays your selected percentage, and you pay the remainder. For example, if your vet bill is $1,000, the excess is $100, and you have a 90% benefit percentage, Knose reimburses $810 and you pay $190.
What is not covered under a Knose policy?
Knose excludes pre-existing conditions, routine and preventive care, elective treatments, breeding or pregnancy, some hereditary conditions, and specific banned breeds. Optional extras are needed for dental illness, behavioural conditions, or specialised therapies. Always review the Product Disclosure Statement for detailed exclusions and waiting periods that apply to your policy.
Are there any waiting periods with Knose?
Yes, waiting periods apply for most coverages: accidents are covered after 1 day, illness after 14 days, and there is a 6-month wait for dental illness, behavioural conditions, and some specified conditions unless otherwise stated. These waiting periods may be waived for some conditions based on supporting vet certification at sign-up. Full details are outlined in the Product Disclosure Statement.
Do I have to pay upfront for veterinary fees with Knose?
Yes, you need to pay your vet directly at the time of treatment. Knose does not offer an advance payment or third-party payment system, so you claim for reimbursement after paying your bill. Once your claim is processed and approved, you’ll be reimbursed according to your policy’s coverage and benefit percentage. Claims are typically paid by bank transfer.
How do I cancel my pet insurance policy with Knose?
You can cancel your Knose policy at any time by contacting Knose via phone or email and providing your policy details and a written notice. There is no required notice period. You may be asked to provide documentation such as proof of your pet’s death, rehoming, or no longer being in your care. Any refund will be calculated on a pro-rata basis depending on your unused premium.
What will my out-of-pocket costs be with Knose?
Your out-of-pocket costs depend on your chosen annual excess, the benefit percentage (70%, 80%, or 90%), and the total eligible vet bill. After subtracting any annual excess from your bill, Knose pays your selected percentage, and you pay the remainder. For example, if your vet bill is $1,000, the excess is $100, and you have a 90% benefit percentage, Knose reimburses $810 and you pay $190.
What is not covered under a Knose policy?
Knose excludes pre-existing conditions, routine and preventive care, elective treatments, breeding or pregnancy, some hereditary conditions, and specific banned breeds. Optional extras are needed for dental illness, behavioural conditions, or specialised therapies. Always review the Product Disclosure Statement for detailed exclusions and waiting periods that apply to your policy.
Are there any waiting periods with Knose?
Yes, waiting periods apply for most coverages: accidents are covered after 1 day, illness after 14 days, and there is a 6-month wait for dental illness, behavioural conditions, and some specified conditions unless otherwise stated. These waiting periods may be waived for some conditions based on supporting vet certification at sign-up. Full details are outlined in the Product Disclosure Statement.
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