Updated September 28, 2026 · AssureCue Editorial Team
10Life vs Knose Pet Insurance
10Life
Knose Pet Insurance
Higher score in this comparison
10Life vs Knose Pet Insurance: the differences
| Compare | 10LifeReviewSee alternativesSee alternatives | Knose Pet InsuranceReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Pet |
| Provider type | Comparison site | Broker |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Online claim portal, Email [email protected], Phone 1300 356 642 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | A$0 |
| Cover limit | Not confirmed | Up to 25,000 AUD annual limit |
| Age range | Not confirmed | 6 weeks to 8 years 364 days at signup, no upper age limit on renewal |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Knose Pet Insurance scores higher overall: 8.9 vs 8.7.
- Insurance types: only 10Life offers Travel, Home, Health.
- Insurance types: only Knose Pet Insurance offers Pet.
- Claims channels: only 10Life offers Independent claims team, Phone, Email.
- Claims channels: only Knose Pet Insurance offers Online claim portal, Email [email protected], Phone 1300 356 642.
Our verdict on each
10Life
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
Knose Pet Insurance
Knose Pet Insurance suits Australian pet owners who want their cover placed by a broker and paid month by month. The business is licensed by the Australian Securities and Investments Commission under AFSL 523921, and cover is offered for pets alone rather than as a multi policy bundle.
Score breakdown
| Area | 10Life | Knose Pet Insurance |
|---|---|---|
| Cost | Not confirmed | 9.4The excess starts at AUD 0 and the annual limit is Up to 25,000 AUD annual limit, so the cost side is clear before buying. |
| Offer | 9.6Higher | 9.0 |
| Trust | 8.2 | 8.5Higher |
Every fact side by side
| Fact | 10Life | Knose Pet Insurance |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | Knose.com.au Pty Ltd (ABN 70 680 822 986, AR 1311940) |
| Headquarters | Hong Kong | Australia |
| Founded | 2017 | 2017 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | 10Life | Knose Pet Insurance | Median |
|---|---|---|---|
| Excess from | Not confirmed | A$0at the median | A$0 |
Median across 7 listed insurance providers.
Pros and cons
10Life
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
Knose Pet Insurance
Pros
- The pricing model is monthly, so the cost of cover is spread across the year.
- Support runs on phone, email and chat, so help is available by more than one channel.
- Claims can be started through online claim portal, email [email protected] and phone 1300 356 642, so an owner picks the channel that suits them.
Cons
- The annual limit of Up to 25,000 AUD annual limit caps the total a single policy year can pay out.
- Only pet cover is listed, so there is no bundle with home or travel insurance.
Who each suits
10Life
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
Knose Pet Insurance
Who it suits
- Australian pet owners who pay month to month and prefer a broker to place the cover.
- Owners who want claims handled through online claim portal, email [email protected] and phone 1300 356 642 across portal, email and phone.
- Pet owners whose animals age during the policy, since there is no upper age limit on renewal.
Who should look elsewhere
- Anyone wanting policies bundled in one place, since Good Sam Insurance Agency lists auto, home and renters against Knose's pet-only pet.
- Owners after motorcycle and travel cover alongside pet cover, which bonus.ch lists as auto, home and life.
- Buyers who want dental and home cover with pet cover, since ComparaJa lists auto, life and health.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
Knose Pet Insurance
Current offer
First period offer
First 2 Months Free: 2 months free
Promo code KNOSE2MFREE; new customers only, pet not previously covered by Knose; not available via third-party aggregators; may be amended or withdrawn
Source, checked September 26, 2026
Discount code
Senior pet discount 5% off monthly premium for life: 5% off monthly premium for life
Promo code MAT5; dogs and cats aged 5-8 years insured before the age limit; cannot be combined with other offers
Source, checked September 26, 2026
Discount code
Multi-pet discount: 5% off premium for life
Quote for multiple pets; apply via phone or webchat; cannot be combined with other offers
Source, checked September 26, 2026
First period offer
Pet Health Hotline for non-insured pet owners: 8.88 AUD/month
Non-members can subscribe to the 24/7 Pet Health Hotline with no lock-in; cancel anytime
Source, checked September 26, 2026
Country by country
| Country | 10Life | Knose Pet Insurance |
|---|---|---|
| Australia | No | Yes |
| Hong Kong | Yes | No |
Questions about each
10Life
Is 10Life an insurer or a broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
Knose Pet Insurance
How is pet cover paid for at Knose?+
The pricing model is monthly, so the policy runs month to month rather than as one annual charge. The excess starts at AUD 0, which is the level most owners compare first, and the annual limit stands at Up to 25,000 AUD annual limit.
What does a Knose policy pay out?+
Cover is offered for pets, and the payout is capped at an annual limit of Up to 25,000 AUD annual limit per policy. The insurance types listed are pet, so this is a single line of cover rather than a bundle with home or travel policies.
Other options to compare
Other matchups
Related by the facts
10Life
Knose Pet Insurance