In This Review: Our Review | Pricing | Coverage | Deductibles & Claims | FAQ | Conclusion
Pet insurance will help to cover health costs that occur with your cat or dog due to accidents or illnesses that arise throughout their lifetime. Knose Pet Insurance makes it quick and easy to obtain a pet insurance quote based on exactly what your pet needs based on their breed, gender, and age. With multiple options for coverage in terms of cost and reimbursement, in addition to added benefits, Knose makes pet insurance easy and provides 24/7 support to its customers.
We give Knose Pet Insurance a rating of 3.5 out of 5 stars.
Knose Pet Insurance Review
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About Knose
Knose is a two-time award-winning pet care and pet insurance brand in Australia known for its high value and high reward to its users. It is available to both cat and dog owners and backed by veterinarians to ensure it has a decent amount of accident and illness coverage.
The focus of Knose seems to be how easy it is to understand in comparison with other pet insurance plans. Knose has been rated highly across multiple user reviews with positive attributes such as being very easy to use and having non-stop customer support. The everyday person searching for simple care for their pets can turn to Knose and leave without feeling frustrated or unsatisfied. The website also provides a quick 3-minute survey where you can fill out the information about you and your pet and receive a general pet insurance quote in a matter of minutes.
Knose provides coverage for Australian pet owners and will cover most veterinary costs and medications manufactured locally. Similar to most other pet insurance companies, pre-existing conditions are not covered by insurance and extra therapies are an added cost.
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Pricing & Plans (Updated in 2023)
Pet Insurance Cost Comparison
| Company | Sample Monthly Cost For Dogs | Sample Monthly Cost For Cats | Learn More |
| Knose | $25.95 | $19.95 | Click to Get Quote |
| Spot | $36.54 | $16.51 | Click to Get Quote |
| Trupanion | $70.12 | $30.88 | Click to Get Quote |
| Fetch by The Dodo | $29.70 | $12.22 | Click to Get Quote |
| Wagmo | $26.89 | $11.93 | Click to Get Quote |
Base Policy
Knose has a base policy that covers the average pet needs from insurance. This includes things like annual limits, benefit percentages, and excess coverage of your choosing. There are additional benefits to their base policy such as the ability to include add-ons in your coverage plan.
You also get access to their customer support portal and have 24/7 access to a Knose contact to answer your questions and address any concerns you may have. Submitting claims is a generally simple process, as it can be done through their online portal, but waiting times across claim types vary.
Customizations
Optional Extra Benefits
In addition to the base policy, Knose provides its customers the option to add extra coverage to their policy. This includes dental illness and disease, behavioral problems including pacing or destructive behaviors, and alternative therapies like acupuncture or hydrotherapy. It can also be used to extend the time of coverage for certain benefits under the Optional Extra umbrella.
Knose Essential Pet Care Plans
For a flat monthly fee, pet owners can choose to go with the Essential Pet Care Plans offered by Knose. With a subscription to this plan, your dog or cat will have their vaccinations, flea and tick treatments, deworming and routine vet visits covered for a certain monthly amount (from $23–$31/month). The cost depends on the size of your pet’s breed, in addition to the extent of monthly coverage you desire.
This plan also includes 24/7 access to customer support. These plans have three levels of coverage, ranging from the Essentials package to the Essentials Plus, leading up to the top-tier Comprehensive package.
Knose Price Comparison for Dogs
| Maltese Cross | Labrador | |
| Male or Female | Female | Female |
| Age | 2 | 4 |
| Location | Australia | Australia |
| Reimbursement Level | 70%–90% | 70%–90% |
| Annual Deductible | $7,500–$25,000 | $7,500–$25,000 |
| Annual Max | $25,000 | $25,000 |
| Price per month | $70 | $100 |
| Breed Name | Under 1 | 5 Years Old |
| Staffordshire Bull Terrier | $70 | $100 |
| Border Collie | $82 | $111 |
| Cavoodle | $76 | $103 |
Deductibles & Claims
With Knose, there is a lot of flexibility in terms of choosing your levels of coverage. Your options vary from 70%–90% of coverage, which will increase your monthly payment depending on which level you choose. This includes the option to choose what your annual deductible will be, meaning that there is a yearly amount that will be covered. As long as the claim is covered under Knose, then you will receive a certain level of coverage based on your expenses.
It’s important to understand that deductibles will affect how much you pay out of pocket for a claim. If you choose to stick with 70% of coverage and you don’t expect any large costs in vet bills, then you might be okay with this option. Knose is known to have one of the highest maximum deductibles with Australian pet insurance at $25,000. You can pay a higher monthly premium for maximum coverage.
What Does Knose Pet Insurance Cover?
Knose has a three-tiered approach to their pet insurance coverage. It ranges depending on how much percentage of coverage you prefer (70%–90%), which will increase your monthly premium.
Knose has a basic coverage plan for pet insurance that will reimburse pet owners for things like accidental injuries, unexpected illness, emergency vet costs and boarding, and more. It also has the option to add extra coverage for benefits that are not covered by basic pet insurance. This includes dental coverage, behavioral costs, and wellness or therapy costs at a higher monthly price.
Knose does not cover a few things you might pay out-of-pocket for your pet. This includes things like any pre-existing conditions, meaning illnesses or genetic anomalies that your pet was born with or attributed to their breed. If you are boarding your pet at a daycare for travel reasons, this would not be covered. Things like grooming, training, etc., are also not covered under their basic plan.
| Coverage Item | Annual Limit |
| Emergency Boarding | $25,000 |
| Illness | $25,000 |
| Accidents | $25,000 |
| Chronic Conditions | $25,000 |
| Extra Benefits | $25,000 |
Pre-Existing Conditions
Similar to other pet insurance companies, pre-existing conditions will not be covered by Knose. This is because they are considered conditions that were already present before pet owners sign on to a pet insurance company. It’s built to ensure costs that are not expected are covered to avoid financial constraints for pet owners.
Waiting Periods
Knose has different waiting periods depending on which claim is submitted. If the claim is related to accidental injury, the average waiting period for approval is around 1 day.
Claims for illnesses will be processed within 14 days after submission. For the additional coverage such as dental benefits, the waiting period is 14 days for pets under 1 year old and can go up to 6 months for pets older than 1 year. Optional behavior coverage will also have a waiting period of 6 months.
FAQ
Will you pay the vet directly?
In most cases, Knose will ask that you pay your vet directly and submit your claim through the customer portal afterward. The claim process is done between yourself and Knose, unless specified by the customer.
How do you assess a claim and calculate the benefit?
When you have a claim to submit to Knose, it usually takes around 5 days for their end to process it. The usual waiting periods apply, but there are some exceptions where they will ask for additional documentation or proof of payment. If proof is not enough for Knose, they will consult with a trusted vet and decide how much you will be reimbursed.
The calculation is simple and easy to understand once you know your selected percentage of coverage, annual deductible, and additional excess coverage. Your claim will be X amount, then a percentage of it is covered by Knose, and this applies annually until your maximum coverage is reached.
Are there exceptions to pre-existing conditions?
Pre-existing conditions are determined by a shared medical history by the pet owner for assessment. This can be done by sharing your pet’s medical history yourself, either before or after signing up with Knose. A complete assessment will be filed with yourself and Knose for review, and any conditions considered pre-existing will be identified. You may have conditions that pass without any symptoms for a specified amount of time and then be cleared as pre-existing.
Reviews from Customers
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Conclusion
Our final thoughts with Knose are varied with both positive and negative points. While their process is easy to understand and generally straightforward, they seem to be a newer company with few reviews. While these reviews are mostly positive, based on their great customer service and simplicity, it seems claims can take a while to be approved. This is the largest downfall, however, and being the basis of pet insurance, it could affect Knose greatly as an option.
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