Knose Pet Insurance vs Petsy Pet Insurance — 2026 cat insurance comparison
By Catstuff Editorial · Updated 2026-05-13
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Knose Pet Insurance and Petsy Pet Insurance both insure cats in Australia. Knose Pet Insurance is underwritten by PetSure; Petsy Pet Insurance by Hollard. Different underwriters, so the cover wording, hereditary stance, and claims experience differ meaningfully.
Most domestic shorthairs under 8 — flexible cover at a good price.
Tech-leaning owners wanting Hollard cover with a modern app.
The verdict in one line
- Cheaper monthly: Knose Pet Insurance starts $4 less per month.
- Stronger hereditary cover: Petsy Pet Insurance (Strong) — matters if your cat is a pedigree with known genetic risk.
Side-by-side
| Feature | Knose Pet Insurance | Petsy Pet Insurance |
|---|---|---|
| Underwriter | PetSure | Hollard |
| From / month (1yo DSH) | $32 | $36 |
| To / month (1yo DSH) | $58 | $68 |
| Annual limit | Up to $15,000 | Up to $25,000 |
| Reimbursement | 60% / 70% / 80% | 80% |
| Excess options | $0 / $200 / $500 | $100 / $250 |
| Illness waiting period | 21 days (illness), 0 days (accident after 24hr) | 30 days (illness), 0 days (accident) |
| Hereditary cover | Standard | Strong |
| Routine care | Optional add-on | Optional add-on |
| Vet direct-pay | No | No |
| Accepts kittens from | From 8 weeks | From 8 weeks |
| Senior new enrolments | No upper enrolment age, but premiums steep after 9 | Up to age 9 for new policies |
Knose Pet Insurance — what it does well
Knose is the most customisable insurer in Australia. Pick your excess, reimbursement %, and annual limit — premium adjusts in real-time. Great for owners who know their budget and want to shape cover around it. Underwritten by PetSure (the dominant AU pet underwriter).
- Customise excess ($0–$500), reimbursement (60–80%) and annual limit
- Optional routine care covers vaccinations, desexing, microchip
- Fast app-based claims (most paid in 3–5 days)
- No age cap on continuing cover once enrolled
Petsy Pet Insurance — what it does well
Petsy is a digital-native Hollard product — strong app, fast claims, lifetime cover language. Less well-known than Bow Wow Meow but the underlying cover is similar. Worth a quote for owners who want a slicker UX without paying Petplan-level premiums.
- App-first claims experience
- Lifetime cover on chronic conditions (Hollard-underwritten)
- Generous dental on Premium tier
Which one wins for your cat?
- Young domestic shorthair, healthy, indoor-only: Knose Pet Insurance — the small premium gap matters more than hereditary cover for a low-risk cat.
- Pedigree with hereditary risk (Maine Coon, Ragdoll, Persian, Sphynx, Burmese, British Shorthair): Petsy Pet Insurance — the stronger hereditary cover usually pays for itself by year 5.
- Older cat (8+) being newly enrolled: Whichever still accepts new enrolments at this age. Check current rules — the answer drifts year-to-year.
- Big upfront vet bill is your worry, not the monthly premium: Neither — both reimburse after you pay.
More cat insurance comparisons
Updated 2026-05-13 · Not financial advice — read each insurer's PDS before buying. Premium snapshots are mid-2026 indicative quotes for a 1-year-old domestic shorthair, metro postcode.