Finding the best feels like walking through a minefield of hidden fees and fine print. Pet owners face annual premiums between $180 and $4,500, and the challenge lies in finding affordable coverage that truly protects their furry family members.pet insurance in Australia
The financial reality hits most pet owners once they face a massive vet bill. Dogs rack up average annual vet expenses of $400, while cats cost around $270 before any major treatments. A detailed understanding emerges quickly with unexpected surgery or medication needs, which explains why pet insurance policies provide annual benefits from $3,000 to unlimited coverage.
Pet insurance comparisons reveal that most policies need an excess (typically around $100) plus a copayment of 20-35% of vet bills. The right coverage can transform your pet’s care – one pet parent received over $35,000 in insurance payouts for their two boxers during a single year.
Pet owners can access affordable options like Potiki Pet Insurance today. This piece compares the 10 best pet insurance plans across Australia that cost less than $80 monthly. Our research covers everything from expensive-to-insure breeds like French bulldogs with their genetic complications to simple coverage options that protect your pet effectively.
Potiki Pet Insurance
Image Source: potiki.com.au
Potiki Pet Insurance is an Australian-owned provider that understands what local pets need. They work with petinsurance.com.au to give pet owners flexible coverage options. The plans help manage unexpected vet costs and come with extra perks beyond medical coverage.
Potiki Pet Insurance key features
You can choose from three coverage tiers that fit different budgets and pet health needs:
- Silver Cover: This plan covers specific accidental injuries and limited illnesses with a yearly benefit limit of $30,579.80. Pets from 8 weeks to 15 years old can join, which makes it perfect for older pets other insurers might turn away.
- Gold Cover: You get coverage for specific accidental injuries and illnesses with the same yearly limit as Silver but with better sub-limits. This includes $6,115.96 per leg for cruciate ligament conditions. Pets between 8 weeks and 9 years can join this plan.
- Platinum Cover: This top-tier plan comes with a generous $45,869.71 yearly benefit limit. There are no sub-limits for vet consultations, cruciate ligaments, tick paralysis, or hip joint surgery.
Each plan pays back up to 80% of eligible vet bills. You also get Potiki Perks and myPetPass® which include , 30% off prescription medications, and discounts on pet essentials.24/7 online vet consultations
Potiki Pet Insurance pros and cons
Pros:
- You can choose your excess ($0, $382.25, or $764.50) to adjust your premium
- The at participating vets means you just pay the gapGapOnly® claims service
- The Silver plan welcomes older pets up to 15 years
- Platinum plan includes dental illness coverage ($1,528.99 limit)
- Platinum plan has no sub-limits on key treatments
Cons:
- You’ll wait 21 days before illness coverage starts
- Cruciate ligament conditions have a 6-month waiting period
- Routine care comes as a non-insurance benefit instead of built-in coverage
- The plan limits alternative therapy coverage
Potiki Pet Insurance pricing
Your monthly cost depends on your pet’s age, breed, and the coverage you pick. Here’s what you might pay:
- Gold Cover: Between $42.81-$90.21 based on your pet’s details
- Platinum Cover: From $55.04-$110.09 for full protection
Families with multiple pets can save 10% with the multi-pet discount. You can also lower your premium by choosing a higher excess while keeping your coverage benefits.
Potiki Pet Insurance best for
Potiki works great for:
- Pet owners who want full coverage without sub-limits through the Platinum plan
- People with senior pets (8-15 years) who can’t find coverage elsewhere
- Those who value extras like 24/7 vet chat services
- Pet parents who want to customize their premium through excess options
- Australians looking for coverage that fits our local pet health needs
The optional routine care benefit helps with preventative care costs up to $229.35 yearly. This covers vaccinations, health checks, and flea/tick/worm treatments. Pet owners who stay on top of preventative care will find this especially useful.
Woolworths Pet Insurance
Everyday Pet Insurance, previously Woolworths Pet Insurance, provides with PetSure’s backing. This makes it a trusted name among Australia’s leading pet insurance providers. The company’s retail background gives pet owners extra perks beyond standard health coverage.complete coverage
Woolworths Pet Insurance key features
Everyday Pet Insurance gives you four coverage tiers that fit different pet health needs:
- Basic Cover: Annual benefit limit of AUD 7,644.95, with excess options of AUD 0.00 or AUD 305.80
- Standard Cover: Annual benefit limit of AUD 15,289.90, with excess options of AUD 0.00 or AUD 152.90
- Comprehensive Cover: Annual benefit limit of AUD 36,695.77, with same excess options as Standard
- Comprehensive Plus Cover: Their premium offering with AUD 45,869.71 annual limit and three excess options (AUD 0.00, AUD 152.90, or AUD 764.50)
Each plan pays up to 80% of eligible vet bills. You also get VetAssist, a 24/7 telehealth service that connects you with licensed Australian veterinarians through video or chat – worth AUD 304.27 yearly.
The GapOnly® payment system lets you pay just the gap between your vet bill and insurance coverage at participating clinics. You won’t need to pay the full amount upfront and wait for reimbursement.
Woolworths Pet Insurance pros and cons
Pros:
- Annual limits reach up to AUD 45,869.71
- GapOnly® digital-first claims processing
- Monthly 10% discount on one Woolworths shop (save up to AUD 917.39 yearly)
- VetAssist telehealth support available 24/7
- Multiple excess options to adjust premiums
Cons:
- Routine and dental care need a paid add-on
- Pets over age 8 face steep premium increases
- No discounts for multiple pets
- Claims can lead to higher premiums
- Strict rules forpre-existing and certain hereditary conditions
Woolworths Pet Insurance pricing
Your monthly premiums depend on your pet’s type, age, and coverage level:
- Young cat (2-4 years): AUD 41.28 (Basic) to AUD 81.04 (Comprehensive Plus)
- Senior cat (7-8 years): AUD 56.57 (Basic) to AUD 103.97 (Comprehensive Plus)
- Young dog (2-4 years): AUD 50.46 to AUD 94.80 (small breed); AUD 61.16 to AUD 116.20 (large breed)
- Senior dog (7-8 years): AUD 87.15 to AUD 140.67
Older pets (over 10 years) have fewer options at higher costs. A 10-year-old dog’s premium can reach AUD 4,594.80 yearly with no excess.
Woolworths Pet Insurance best for
This insurance works well for:
- Pet owners who want retail perks with their insurance
- People who prefer digital claims through GapOnly®
- Those needing high annual benefit limits
- Regular Woolworths shoppers who can use the monthly grocery discount
- Young pet owners looking for complete coverage (older pets cost more to insure)
Potiki offers better options for senior pets since Woolworths won’t cover new pets over 9 years old. Potiki’s multi-pet discount makes it more affordable for households with several pets, while Woolworths doesn’t offer this benefit.
RSPCA Pet Insurance
RSPCA pet insurance focuses heavily on animal welfare and uses some of your premium payments to protect animals. Let’s get into how their coverage compares to Potiki’s more complete benefits.
RSPCA Pet Insurance key features
RSPCA has four levels of coverage:
- Ultimate Plus Accident & Illness Cover: Top tier with AUD 30,579.80 annual limit and 80% reimbursement
- Ultimate Accident & Illness Cover: AUD 16,818.89 annual limit with 80% reimbursement
- Economy Accident & Illness Cover: AUD 16,818.89 annual limit with 75% reimbursement
- General Accident & Illness Cover: AUD 16,818.89 annual limit with 60% reimbursement and AUD 3,057.98 annual condition limit
Their GapOnly service lets participating vets process claims right away. You just pay the gap between your bill and what insurance covers. The coverage has tick paralysis treatment, emergency boarding, and . All but one of these plans have sub-limits.cruciate ligament conditions
RSPCA Pet Insurance pros and cons
Pros:
- You don’t pay excess on any plan
- You get 10% off for multiple pets
- Ultimate Plus plans don’t cap tick paralysis coverage
- Customers rate it well (4.3/5 on Product Review)
- Accident coverage starts right away
Cons:
- Routine care costs extra and tops out at AUD 122.32 worth of treatments
- 80% reimbursement rate doesn’t match some competitors
- AUD 30,579.80 yearly limit falls behind Potiki’s AUD 45,869.71 Platinum plan
- Customers report premium hikes (one jumped from AUD 328.73 to AUD 428.12 monthly)
- You wait six months for cruciate ligament coverage
RSPCA Pet Insurance pricing
Your pet’s age, breed, and location affect the price:
- Monthly costs vary widely (one customer pays AUD 232.51 for a 2-year-old French bulldog)
- The basic General plan costs less but reimburses 60%
- Most plans only take pets up to 9 years old
- The General plan accepts pets up to 16 years but pays back just 60%
Prices jump by a lot as pets get older. Potiki’s stable pricing makes more sense if you want long-term coverage.
RSPCA Pet Insurance best for
This insurance fits well for:
- People who want to support animal welfare
- Those who prefer no excess whatever the premium
- Pet owners who need simple coverage with lower payback rates
- Families with multiple pets who can use the 10% discount
Potiki offers better value than RSPCA at similar prices. You get a higher yearly limit with Potiki’s Platinum plan (AUD 45,869.71 vs RSPCA’s AUD 30,579.80) and better dental illness coverage. Pet parents looking for maximum protection often choose Potiki, especially for older pets or those needing complete coverage.
Budget Direct Pet Insurance
Budget Direct stands out with three award-winning pet coverage plans that Canstar recognized for Outstanding Value in 2025. The company has become a major player in the Australian insurance market by offering value-driven options with annual claim limits from AUD 18,347.88 to AUD 38,224.76.
Budget Direct Pet Insurance key features
Budget Direct gives you three policy choices:
- Essential Plan: Offers AUD 18,347.88 annual benefit limit with no routine care options
- Comprehensive Plan: Provides AUD 22,934.85 annual limit with optional routine care
- Plus Plan: Delivers the highest AUD 38,224.76 annual limit with better routine care options
The plans reimburse 80% of eligible vet expenses and cover accidents, illnesses, cruciate ligament conditions, and orthopedic issues. You can pick between AUD 152.90 or AUD 305.80 excess per condition. Specific sub-limits apply to cruciate ligament and tick paralysis treatments based on your plan level.
Budget Direct Pet Insurance pros and cons
Pros:
- Flexible excess options help adjust premium costs
- High annual claim limits up to AUD 38,224.76
- Coverage includes all registered Australian vets without network restrictions
- 15% discount on first year’s premium when you buy online
- Coverage extends to bilateral conditions if eligible
Cons:
- Customer satisfaction sits at 1.2/5 from 450 Trustpilot reviews
- Dental coverage limited to accidental injuries
- No coverage for behavioral treatments
- Higher-tier plans need routine care as an add-on
- Delayed claim processing without direct vet payment options
Budget Direct Pet Insurance pricing
Budget Direct keeps costs lower than competitors, with monthly premiums averaging AUD 64.22. Your pet’s age, species and breed affect the pricing:
- Young cats (2-4 years): AUD 24.46 to AUD 44.34 monthly
- Senior cats (7-8 years): AUD 44.34 to AUD 71.86 monthly
- Young small breed dogs: AUD 32.11 to AUD 58.10 monthly
- Young large breed dogs: AUD 39.75 to AUD 77.98 monthly
Budget Direct Pet Insurance best for
Pet owners who want straightforward, budget-friendly coverage instead of premium service will find Budget Direct appealing. Potiki outperforms Budget Direct in several areas – better dental illness coverage (AUD 1,528.99 limit on Platinum plans), higher annual benefit limits (up to AUD 45,869.71 on Platinum), and coverage for pets up to 15 years old on Silver plans.
My research shows Budget Direct’s focus on affordability affects customer service quality and claim processing speed. Potiki provides more complete coverage and better customer satisfaction ratings for a small additional cost, despite having similar reimbursement rates.
Guide Dogs Pet Insurance
Guide Dogs Pet Insurance partners with Royal Guide Dogs Australia to provide three coverage levels. A portion of every premium goes toward supporting guide dog services that help Australians with vision impairments.
Guide Dogs Pet Insurance key features
Guide Dogs Pet Insurance gives you three coverage options:
- Basic Care: For pets 9 years and older with 75% reimbursement and AUD 22,934.85 annual limit
- Detailed Care: For pets 8 weeks to 9 years old with 80% reimbursement and AUD 22,934.85 annual limit
- Premium Care: For pets 8 weeks to 9 years old with 85% reimbursement and AUD 30,579.80 annual limit
The plans cover specified accidental injuries and illnesses without an upper age limit for renewals. Premium Care lets you add optional Routine Care coverage for preventative treatments like vaccinations and dental cleaning. Registered Guide Dogs get exclusive third-party liability coverage up to AUD 1.53 million.
Guide Dogs Pet Insurance pros and cons
Pros:
- High reimbursement rates up to 85% on Premium Care
- Flexible excess options (AUD 0, AUD 76.45, or AUD 152.90)
- GapOnly® claims process takes about 10 minutes
- Coverage continues for life with no maximum renewal age
- You can save 10% with a multi-pet discount
Cons:
- No dental illness coverage on any plan
- Premium costs jump significantly with pet age (22-36% yearly)
- Manypre-existing condition exclusions
- Limits apply for consultations (AUD 458.70) and specific conditions
Guide Dogs Pet Insurance pricing
Monthly premiums change based on your pet’s type, age, and plan:
- Young cats (2-4 years): AUD 53.51-82.57
- Senior cats (7-8 years): AUD 68.80-107.03
- Young dogs (2-4 years): AUD 68.80-168.19 based on breed size
- Senior dogs (7-8 years): AUD 171.25-252.28
Guide Dogs Pet Insurance best for
This insurance works best if you want to support guide dog services. Potiki offers better value with higher annual limits (up to AUD 45,869.71 on Platinum plans compared to Guide Dogs’ AUD 30,579.80 maximum) and dental illness coverage (AUD 1,528.99 on Platinum). Potiki accepts pets up to 15 years old for new Silver policies, while Guide Dogs limits new detailed policies to pets under 9 years. Unless supporting Guide Dogs Australia matters most to you, Potiki provides better coverage at competitive rates.
Pet Insurance Australia
Pet Insurance Australia (PIA) stands out with multiple awards from ProductReview.com.au, Mozo, and Canstar thanks to its flexible pet insurance options. PIA specializes only in pet coverage and offers a single product called “” that lets you customize your plan instead of choosing from preset tiers.Select & Protect
Pet Insurance Australia key features
PIA’s Select & Protect policy lets pet owners customize three main elements:
- Annual benefit limits: Choose between AUD 22,934.85, AUD 38,224.76, or AUD 53,514.66
- Benefit percentage: Select 70%, 80%, or 90% reimbursement on eligible claims
- Annual excess options: Pick from AUD 0.00, AUD 152.90, AUD 458.70, or AUD 917.39 (the highest excess isn’t available with 70% benefit percentage)
The policy covers accidental injuries, illnesses, specialist care, emergency visits, and hereditary conditions (unless pre-existing). Pet owners can add (AUD 305.80 annual non-insurance benefit for preventative treatments) and Booster Care (AUD 3,822.48 annual cover for dental conditions and specialized therapies).Routine Care
Pet Insurance Australia pros and cons
Pros:
- No sub-limits on eligible conditions or treatments
- Multi-pet discounts (5% off second pet, 10% off third, 15% off fourth and subsequent)
- GapOnly® claims processing where you pay just the gap amount
- Live Vet support gives you 24/7 access to veterinary advice
Cons:
- Waiting periods (2 days for accidents, 30 days for illness, 6 months for cruciate ligament conditions)
- Dental coverage needs additional Booster Care add-on
- Pre-existing conditions aren’t covered
- Some customers report premium increases (up to 20% annually)
Pet Insurance Australia pricing
Monthly premiums range from AUD 70 to AUD 200 based on your pet’s age, breed, and chosen options. The average premium among 24 Australian insurers is AUD 194.18 monthly, but PIA stays competitive through its customization options.
Pet Insurance Australia best for
PIA suits pet owners who want tailored coverage without sub-limits. Notwithstanding that, Potiki offers better value with more standard benefits at similar prices. Potiki’s Platinum plans include dental illness coverage and have more stable premium structures. While PIA treats dental care as an add-on, Potiki builds this valuable coverage into their premium plans, making it a better choice for most pet owners.
Kogan Pet Insurance
Kogan Pet Insurance delivers pet coverage through its e-commerce platform. The company has three main plans for dogs and cats, along with a specialized Indoor Cat option.
Kogan Pet Insurance key features
The plans range from simple to detailed protection:
- Pet Primary Cover: Focuses on accidents with $12,231.92 annual limit
- Pet Value Cover: Covers accidents plus specific illnesses
- Pet Luxury Cover: Most detailed with $22,934.85 annual benefit limit
- Indoor Cat Cover: Budget option for indoor-only felines
The plans pay up to 80% of eligible vet bills (reducing after age 8) and include 24/7 VetChat access. Policyholders also get $15.29 off Kogan.com purchases monthly.
Kogan Pet Insurance pros and cons
Pros:
- Flexible excess options ($0, $76.45, or $152.90)
- GapOnly® claim service at participating vets
- No maximum entry age for Primary Cover
- Overseas travel protection (NZ/Norfolk Island)
Cons:
- Dental coverage excludes everything but tumors
- Reimbursement drops at age 8+
- No unlimited annual benefit option
- Specific conditions have various sub-limits
Kogan Pet Insurance pricing
Monthly premiums change based on pet type and age:
- Young cats: $33.64-$61.16
- Small breed dogs: $45.87-$91.74
- Large breed dogs: $58.10-$125.38
- Senior dogs: $96.33-$206.41
Kogan Pet Insurance best for
Kogan works well for tech-savvy pet owners who want customizable coverage. Potiki offers better value with higher annual limits ($45,869.71 on Platinum), , and accepts older pets up to 15 years on Silver plans.detailed dental coverage
Coles Pet Insurance
Coles Pet Insurance has emerged as a notable player in the insurance market, offering award-winning coverage and flexible reimbursement options. The brand leverages its retail presence well, though my analysis reveals several limitations compared to industry leaders like Potiki.
Coles Pet Insurance key features
Coles provides two main coverage options:
- Essential Cover: Focuses on accidental injuries and specified illnesses
- Ultimate Cover: Detailed protection with higher limits
Both plans showcase these notable features:
- Pre-approved vet bill payments where you only pay the excess and gap
- Waiting period of just 21 days for most conditions (except cruciate ligament)
- Up to 100% reimbursement on eligible vet bills (or 80% to reduce premiums)
- One routine checkup annually (up to $122.32)
- Full year claim window
Coles Pet Insurance pros and cons
Pros:
- Award-winning coverage recognized for customer satisfaction
- Guaranteed lifetime cover if purchased before pet turns 9
- Collects 10x Flybuys points on pet aisle purchases at Coles
- No age-based coverage changes once insured
Cons:
- Limited illness coverage on Essential plans
- Lower annual benefit limits than Potiki’s Platinum plan
- Smaller multi-pet discount (5%) compared to Potiki’s 10%
- Sub-limits apply for certain conditions
Coles Pet Insurance pricing
Monthly premiums vary by age and type:
- Young cats (2-4 years): $29.05-$81.04
- Senior cats (7-8 years): $47.40-$103.97
- Small breed dogs (2-4 years): $42.81
- Large breed dogs (2-4 years): $67.28
- Senior dogs (7-8 years): $87.15-$140.67
Coles Pet Insurance best for
Regular Coles shoppers will benefit most from this insurance, particularly those who value Flybuys rewards with simple coverage. However, pet owners seeking detailed protection might find better value with Potiki’s higher annual limits, enhanced dental coverage, and more generous multi-pet discounts.
Trupanion Pet Insurance
Trupanion differentiates itself through a unique pricing model that provides unlimited lifetime coverage with no payout limits. Your pet’s birthday won’t trigger premium increases, unlike other insurers on our list.
Trupanion Pet Insurance key features
Trupanion’s single detailed plan has:
- 90% reimbursement on eligible vet bills
- No payout limits ever – they keep paying whatever the cost
- Flexible excess options from AUD 0.00 to AUD 152.90
- Coverage for all new, unexpected illnesses and injuries
- GapOnly® claims service where you only pay your portion
The plan covers hereditary conditions, congenital conditions, and diagnostic tests without sub-limits.
Trupanion Pet Insurance pros and cons
Pros:
- Lifetime per-condition deductibles replace annual ones
- Premium stays stable as your pet ages
- No claim penalties – your premiums won’t rise after claims
- Direct vet payments through their software
Cons:
- No coverage for routine care or wellness
- No coverage for exam fees
- Monthly premiums cost more than many competitors
- Limited dental coverage compared to Potiki’s AUD 1,528.99 limit
Trupanion Pet Insurance pricing
Monthly premiums vary substantially:
- Young cats: AUD 77.98 to AUD 126.91
- Young dogs: AUD 233.94 to AUD 512.21 depending on breed
- Senior dogs cost more, this is a big deal as it means that AUD 800
Trupanion Pet Insurance best for
Trupanion works best for pet owners who want lifetime unlimited coverage without age-based premium increases. Potiki offers better value with more detailed dental coverage, lower premiums, and better coverage for older pets up to 15 years on Silver plans.
Real Pet Insurance
Real Pet Insurance stands out by offering The Real Reward™. Policyholders get 10% of their premiums back after their first policy anniversary. A closer look reveals some limitations compared to industry leaders.
Real Pet Insurance key features
Real Pet Insurance provides three coverage tiers:
- Premium Cover: Reimburses 80% of eligible vet bills up to AUD 18,347.88 annually with optional routine care
- Standard Cover: Provides 75% reimbursement up to the same annual limit
- Classic Cover: Offers 60% reimbursement with a AUD 3,057.98 per-condition limit
Protection starts the next day for specified accidental injuries. The plans cover overseas travel to New Zealand and Norfolk Island and include .emergency boarding benefits
Real Pet Insurance pros and cons
Pros:
- Plans come with zero excess payments
- Pet owners can visit any registered vet in Australia
- Premium Cover includes optional routine care benefit (up to AUD 122.32)
- The cooling-off period lasts 30 days – longer than most competitors
Cons:
- Dental illness coverage isn’t available
- Pre-existing conditions aren’t covered
- Alternative/behavioral treatments have limited coverage
- Annual limits don’t match Potiki’s AUD 45,869.71 Platinum plan
Real Pet Insurance pricing
Pet owners pay monthly premiums between AUD 81.57 and AUD 157.13 based on their pet’s type and age. Potiki delivers better value through higher coverage limits and detailed dental protection at comparable prices.
Real Pet Insurance best for
Pet owners who want straightforward, no-excess policies will find Real Pet Insurance appealing. Potiki proves to be a stronger choice with higher annual limits, dental illness protection, and flexible options for older pets (up to 15 years on Silver plans).
Comparison Table
| Insurance Provider | Max Annual Benefit | Reimbursement Rate | Age Limits (New Policies) | Dental Coverage | Multi-pet Discount | Key Unique Feature |
| Potiki Pet Insurance | $45,869.71 | Up to 80% | 8wks-15yrs (Silver) | $1,528.99 (Platinum) | 10% | 24/7 online vet consultations |
| Woolworths Pet Insurance | $45,869.71 | Up to 80% | Up to 9 years | Add-on only | None | 10% monthly grocery discount |
| RSPCA Pet Insurance | $30,579.80 | 60-80% | Up to 9 years | Not covered | 10% | Supports animal welfare |
| Budget Direct | $38,224.76 | 80% | Not mentioned | Accidents only | None | 15% first-year online discount |
| Guide Dogs Pet Insurance | $30,579.80 | Up to 85% | Up to 9 years | Not covered | 10% | Guide dog liability coverage |
| Pet Insurance Australia | $53,514.66 | Up to 90% | Not mentioned | Add-on only | 5-15% | No sub-limits on conditions |
| Kogan Pet Insurance | $22,934.85 | Up to 80% | No limit (Primary) | Tumors only | Not mentioned | $15.29 monthly shopping credit |
| Coles Pet Insurance | Not mentioned | Up to 100% | Up to 9 years | Not mentioned | 5% | 10x Flybuys points |
| Trupanion | Unlimited | 90% | Not mentioned | Limited | None | No age-based premium increases |
| Real Pet Insurance | $18,347.88 | 60-80% | Not mentioned | Not covered | Not mentioned | 10% premium cashback |
Conclusion
You need to look at coverage limits, reimbursement rates, and extra benefits to pick the right pet insurance plan. We compared Australia’s top pet insurance providers under $80, and Potiki Pet Insurance stands out as the most detailed option for Australian pet parents.
Potiki’s Platinum plan comes with a $45,869.71 annual benefit limit. This beats all but one competitor – Pet Insurance Australia. On top of that, it includes dental illness coverage worth $1,528.99 on Platinum plans without expensive add-ons. Many other providers either don’t cover this or charge extra for it.
The Silver plan from Potiki accepts pets up to 15 years old, while other providers stop at 9 years. This makes it a great choice for senior pet owners. The plan becomes even more valuable with a 10% multi-pet discount, especially when you have multiple or aging pets.
The Platinum plan has no sub-limits on core treatments. You also get 24/7 online vet consultations, 30% off prescription medications, and discounts on pet essentials. These features are a great way to get complete protection for your pet.
Some competitors offer similar benefits, but there’s usually a catch. Woolworths matches the annual limits but doesn’t offer multi-pet discounts and turns away older pets. Trupanion provides unlimited lifetime coverage but charges much higher premiums and skips routine care coverage.
Potiki’s approach gives you extensive coverage with flexible excess options. This lets you adjust your premiums while keeping essential protection intact. After looking at all ten providers, Potiki emerges as the best choice for Australians who want detailed, value-driven pet insurance that protects their furry family members at a reasonable price.