We've gathered the insurance plans commonly chosen by Brisbane pet families — a comprehensive comparison from premium to payout ratio.
Data compiled from publicly available sources (Canstar March 2026 data and insurer websites). For reference only. This site does not endorse any specific insurance product and does not receive promotional fees. Actual premiums vary by age, breed and location. Always review the PDS and consult a licensed insurance adviser before purchasing.
| Insurer | Monthly (Dog) | Monthly (Cat) | Payout % | Annual Max | Wait Period | Rating |
|---|---|---|---|---|---|---|
| Knose | $48-$85 | $35-$60 | 80% | $25,000 | 14 days | Popular Pick |
| Bow Wow Meow | $52-$90 | $40-$65 | 80% | $20,000 | 14 days | Brachy-friendly |
| Budget Direct | $54-$80 | $38-$55 | 75-80% | $12k-$25k | 14 days | Budget-friendly |
| Petsy | $44-$75 | $32-$50 | 90% | $30,000 | 14 days | High Payout |
| Pet Circle | $59-$103 | $45-$70 | 70-80% | $10,000 | 14 days | Flexible Plans |
| Medibank Pet Insurance | $64-$95 | $48-$70 | 80% | $15,000 | 14 days | Trusted Brand |
Cheap insurance may have low payout ratios and low annual limits. One emergency surgery can cost thousands — a lower payout means more out of pocket.
Most policies have 14-30 day waiting periods and exclude pre-existing conditions. Insure early — don't wait until your pet is sick.
Check exclusions (e.g. breed-specific hereditary conditions), annual excess, and renewal terms. Especially whether premiums increase on renewal.
Certain breeds (French Bulldogs, Labradors) have more hereditary conditions, leading to higher premiums or even exclusions. Research your breed's common conditions first.
Insurance is a long-term expense. Look beyond year-one pricing — check renewal premium increases. Some insurers are cheap upfront but hike prices in year two.
Most policies don't restrict choice of vet, but some reimburse only at designated clinics. Confirm your regular vet is covered before buying.