Winners are listed alphabetically
Bow Wow Meow is the winner of Canstar’s 2025 Most Satisfied Customers Award for Pet Insurance. The provider received 5-Star ratings from its customers for overall satisfaction, customer service, communication and comprehensiveness of cover. Bow Wow Meow offers insurance for both dogs and cats, with its range of flexible cover options designed to suit a range of budgets and access to 24/7 online vet care a key selling point for pet owners.
Receiving an award in both categories for the second year in a row, Budget Direct delivers a versatile suite of pet insurance products with three distinct levels of cover. This structure caters to a wide range of needs, providing robust financial protection for orthopaedic conditions across all tiers. An introductory online discount offers immediate value, while the option to integrate routine care benefits adds another layer of practical support. This approach provides a clear and powerful combination of choice and function for pet owners.
Harnessing the power of a major retail network, Everyday Insurance provides a unique experience by offering tangible benefits to its Everyday Rewards members. Underwritten by a global insurance leader, the product provides a dependable and straightforward pathway to securing essential cover for pets. This is the first year Everyday Insurance has received an award for Routine Care cover.
Knose empowers pet owners with deep customisation, allowing them to precisely tailor their policy by selecting their own reimbursement rate and annual limit. Their commitment to transparency is demonstrated through a policy structure built without sub-limits. This is supported by dedicated 24/7 access to veterinary expertise, helping ensure policyholders receive both a highly personalised insurance product and practical, round-the-clock support. This is the fifth year in a row that Knose has won this award.
Drawing on the heritage of a major Australian health brand, Medibank Pet Insurance delivers policies that tend towards high-percentage reimbursement rates. Its cover is notable for not including restrictive sub-limits and for providing clear and comprehensive financial protection for a wide range of veterinary procedures. This design offers policyholders a significant level of assurance when making important decisions about their pet’s care. Medibank is receiving the Routine Care award for the second consecutive year.
From one of Australia's most prominent online pet retailers, Pet Circle Insurance streamlines the customer experience with a single, transparent policy. This product is defined by its straightforward structure, without complex sub-limits, offering clarity on the coverage for eligible treatments. The design leverages an existing foundation of customer trust to deliver a simple and accessible insurance solution from a familiar name in pet care, backing up an award-winning performance in 2024.
With a deep heritage as a specialist insurer, Petcover provides policies distinguished by a product suite that is comprehensive, with options that include behavioral therapies, obedience training and dental illness as standard inclusions. This specialist focus delivers a unique approach to protecting the long-term health of pets.
Maintaining an Outstanding Value Award, Petinsurance.com.au continues to offer a comprehensive level cover for its pet insurance with routine care at a competitive price point.
Petsy delivers a truly modern insurance solution, giving customers the control to design their own policy by choosing their preferred annual limit and reimbursement rate. Their digital-first approach is designed to be efficient, facilitating a fast sign-up and a streamlined claims experience.
Achieving an award for the first time in 2025, Vets Choice holds the unique distinction of being the only pet insurance in Australia endorsed by the Australian Veterinary Association (AVA). This formal collaboration ensures the policy is specifically designed with a veterinarian’s professional insight, aligning coverage with the real-world health needs of pets. This expert-informed structure aims to provide a foundation of trust and confidence that is truly exceptional in the market.
The awards for Outstanding Value Pet Insurance are given by comparing how well insurers’ best policies perform for different pet types and coverages. They consider eight different situations, such as whether it’s for a small dog or a cat, and whether it’s accident and illness cover or includes routine care. When deciding the winners, Canstar gives different importance to each pet type. For example, policies for medium dogs are a big part of the decision (40%), while policies for cats are a smaller part (10%).
To figure out how good each policy is, Canstar scores them across a range of categories. This score is split equally between how good the price is (Price Score) and how good the features are (Feature Score). For the Price Score, Canstar looks at how much you’d pay each month or year, plus half of your excess (the amount you pay first when you make a claim). They get quotes from different areas and for pets of different ages, giving more importance to younger pets. The Feature Score looks at many different things the policy offers, like what it covers and how easy it is to make a claim, with more important features getting more points.
Canstar’s Pet Insurance Awards look at different pet insurance policies. They check two main types: those covering accidents and illnesses, and those covering accidents, illnesses, plus routine care like check-ups. To be considered, a policy must be available across the country, directly from the insurer, and be a standalone, lifelong plan. It needs to cover at least three common pet illnesses and have a generous yearly payout limit of at least $10,000, paying back 80% or more of vet bills. For routine care awards, it also needs to cover things like teeth cleaning or vaccinations.
27Providers assessed
8Consumer profiles considered
90Products rated
9Award-winning providers
Canstar’s Pet Insurance Awards are all about celebrating the companies delivering outstanding value pet insurance products to Australian consumers and sharing our findings widely with would-be and current pet owners. If your favourite pet surprises are treats and not vet bills, learn more about our 2025 Pet Insurance Awards.
Canstar’s expert researchers review the overall value offered by a provider for its products in a financial services category. We consider metrics such as price and costs against features and functionality, with all of the competitors in a category compared using Canstar’s unique research methodology. The products or providers recognised as winners are those that offer the highest overall value proposition.
In addition to Canstar’s Star Ratings that appear in our comparison tables, Canstar gives Outstanding Value Awards that identify providers with high-performing products. Separately, Canstar’s Customer Satisfaction Awards reveal how content customers are with a particular financial institution or insurance provider.
Canstar recognises financial institutions with annual Awards for outstanding value across a wide range of product categories. These Awards are given to the providers whose products are the strongest overall performers in our Star Ratings over the award period.
Canstar’s Customer Satisfaction Awards are for providers, recognising institutions with the most satisfied customers overall based on consumer surveys.
Canstar compares more than 775 brands across more than 30 finance categories. Each of Canstar’s Star Ratings and Awards uses a unique methodology that is brought together by our expert Research team, with products analysed based on price and features. You can find out more about how Canstar’s value-based rating system works.
For media enquiries, commentary or analysis about Canstar’s Star Ratings and Awards, including our Outstanding Value Awards or Customer Satisfaction Awards, please contact our Corporate Affairs team.
As Canstar’s Group Manager, Research, Ratings & Product Data, Josh Sale is responsible for the methodology and delivery of Canstar’s Pet Insurance Star Ratings. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.
Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Review, news.com.au and Money Magazine.
You can follow Josh on LinkedIn, and Canstar on X and Facebook.
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