Smart Cover for Smart Pet Owners

No Fluff. No Stress. Just Great Pet Cover.

See the Market in Minutes

Skip the dozens of tabs and view Australia’s leading pet cover options in one clear, side-by-side view.

We highlight the "fine print" caps on specific treatments so you aren’t caught out by low payouts for common issues.

Instantly adjust excess and benefit percentages to find a price point that fits your household budget.

Uncover Hidden Sub-limits

Tailor Your Fortnightly or Monthly Premium

Compare Waiting Periods

See exactly how long it takes for cover to kick in across different providers before you commit.

Spot "GapOnly" Providers

Easily identify which insurers allow you to pay only the "gap" at the vet instead of waiting for a reimbursement.

Get a transparent look at features and exclusions without being pushed toward a single brand's agenda.

Independent & Objective

Helping you connect with the right pet insurance options.

Dog Insurance

View side-by-side options for illness, injury, and breed-specific conditions for your best mate.

Cat Insurance

Quickly weigh up plans for indoor and outdoor cats, including cover for common feline health issues.

Explore policies tailored for young pups, covering early-life accidents and optional routine care add-ons.

Puppy Insurance

Protect Your Tiny Explorer

Compare budget-friendly plans that grow with your kitten, from their first vaccinations to their first year.

Having insurance for my pup gives me complete peace of mind!

R. Beare

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We believe Animals play a crucial role in maintaining the ecosystem, providing balance and contributing to biodiversity. Additionally, they offer companionship and emotional support, enhancing our mental well-being and quality of life.

I am extremely satisfied with the service I got through Paws! It exceeded my expectations... and the quote I received was exactly what i was after. I highly recommend this to everyone.

Clarice Turner

★★★★★

Frequently asked questions

How do I choose between different levels of cover?

Most insurers offer tiered options, ranging from "Accident Only" to "Comprehensive" plans. When comparing, consider your pet’s lifestyle and age; younger pets often benefit from comprehensive cover that includes illness, while older pets might only require basic accident protection.

What is a "Waiting Period"?

A waiting period is the time you must wait after signing up before you can make a claim. This varies between providers and often differs depending on the condition (for example, 2 days for accidents vs. 30 days for illnesses). Comparing these periods is vital if you want your cover to start as soon as possible.

Will my premium change as my pet gets older?

In the Australian market, pet insurance premiums generally increase as your pet ages. This is because the risk of illness or injury becomes higher over time. It is a good idea to review your comparison options annually to ensure you are still getting the best value for your pet's current life stage.

Can I switch providers easily?

You can switch at any time, but it is important to remember that a new insurer will likely view any condition your pet has already had as "pre-existing." Always check the Product Disclosure Statement (PDS) during your comparison to see how a new provider handles continuous cover.

What are "Optional Extras"?

Optional extras are add-ons that allow you to customize your plan. Common options include routine care (for things like vaccinations and worming), dental cover, or behavioral training. Use a comparison tool to see which providers include these as standard and which charge an additional fee.

How do I actually get paid for a claim?

Most Australian pet insurance operates on a "reimbursement" model. You usually pay the vet bill in full upfront, then submit the invoice to your insurer to get your percentage back. However, many modern providers now offer "GapOnly" or direct-pay features at participating vets, allowing you to pay only the difference (the gap) on the spot. When comparing, check if a provider supports these real-time payment options.

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