Knose Pet Insurance — 2026 review for cat owners
By Catstuff Editorial · Updated 2026-05-13
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Most domestic shorthairs under 8 — flexible cover at a good price.
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).
What Knose Pet Insurance actually covers
Knose Pet Insurance is underwritten by PetSure. PetSure underwrites most AU pet-insurance brands — when you see Knose, RSPCA Pet, Woolworths, Medibank, ahm or Bupa, you're looking at variations of the same PetSure product with different branding, member discounts, and pricing tweaks. The cover wording is similar across them; differentiation is mostly price.
For cats specifically, the line items that matter most: vet consultations, diagnostics (bloods, urinalysis, ultrasound), surgery, dental (often a separate optional cover), prescription medication, hospital stays, and emergency overnight care.Knose Pet Insurance reimburses 60% / 70% / 80% of eligible costs up to Up to $15,000 per year.
Pros
- 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
Watch out for
- 21-day illness waiting period (standard)
- PetSure underwriter excludes a few breed-specific hereditary conditions
Waiting periods & age limits
- Illness waiting period: 21 days (illness), 0 days (accident after 24hr)
- Accepts kittens from: From 8 weeks
- Seniors / new enrolments: No upper enrolment age, but premiums steep after 9
Pre-existing exclusions are universal across AU pet insurance. Anything diagnosed or showing symptoms before enrolment (and the relevant waiting period) is excluded for life. The most common gotcha: vet notes a "grade 1 heart murmur, monitor" at the kitten check — anything cardiac is now excluded. Enrolling early matters.
Is Knose Pet Insurance right for your cat?
Most domestic shorthairs under 8 — flexible cover at a good price.
The cleanest sanity-check: get a quote from Knose Pet Insuranceand one alternative from the opposite underwriter (PetSure ↔ Hollard). If the premium gap is < 10% and you don't have specific breed-hereditary concerns, take the cheaper. If you have a pedigree with known hereditary risk, default to the Hollard product even at a 15–20% premium.
Compare Knose Pet Insurance head-to-head
Updated 2026-05-13 · Not financial advice — always read the PDS.