Updated September 28, 2026 · AssureCue Editorial Team
AGILA Haustierversicherung vs Knose Pet Insurance
What sets them apart
| Compare |  AGILA Haustierversicherung |  Knose Pet Insurance |
|---|---|---|
| Provider type | Insurer | Broker |
| Excess from | €0 | A$0 |
| Cover limit | Pet annual sum insured: 3,000 EUR (OP-Kostenschutz Basis), 5,000 EUR (Komfort), unlimited (Exklusiv) | Up to 25,000 AUD annual limit |
| Claims channels | App, Customer portal, Email, Post, Vet direct billing | Online claim portal, Email [email protected], Phone 1300 356 642 |
| Age range | Dogs and cats at least 8 weeks old at application; on new business dogs up to 8 years, cats up to 10 years | 6 weeks to 8 years 364 days at signup, no upper age limit on renewal |
| Premium from | €7.43 | Not confirmed |
Same on both: Insurance types (Pet), Monthly payments (Yes).
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Key differences
- AGILA Haustierversicherung scores higher overall: 9.3 vs 8.9.
- Founded is lower at AGILA Haustierversicherung: 1994 vs 2017.
- AGILA Haustierversicherung is available in 1 more country.
- Claims channels: only AGILA Haustierversicherung offers App, Customer portal, Email.
- Claims channels: only Knose Pet Insurance offers Online claim portal, Email [email protected], Phone 1300 356 642.
Our verdict on each
AGILA Haustierversicherung
AGILA Haustierversicherung is a straightforward pick for German dog and cat owners who want monthly cover written by the insurer itself, with cat premiums at €7.43. Vet direct billing and self-payment of €0 keep claims simple, and the cost score lands at 6.6.
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 | AGILA Haustierversicherung | Knose Pet Insurance |
|---|---|---|
| Cost | 9.3Entry price €7.43 sits below the pet ranking's €8.88, though the cover amount changes by tier. | 9.4HigherThe 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 | 9.3Higher | 9.0 |
| Trust | 9.4Higher | 8.5 |
How they place
| Ranking | AGILA Haustierversicherung | Knose Pet Insurance |
|---|---|---|
| Pet insurance | 48 of 167 | 108 of 167 |
Sources behind this comparison
AGILA Haustierversicherung
- agila.de: 13 facts, checked September 26, 2026
Knose Pet Insurance
- knose.com.au: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | AGILA Haustierversicherung | Knose Pet Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | AGILA Haustierversicherung AG (Amtsgericht Hannover, HR B 54594) | Knose.com.au Pty Ltd (ABN 70 680 822 986, AR 1311940) |
| Headquarters | Germany | Australia |
| Founded | 1994Lower | 2017 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | AGILA Haustierversicherung | Knose Pet Insurance | Median |
|---|---|---|---|
| Premium from | €7.43above the median | Not confirmed | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
AGILA Haustierversicherung
Pros
- Cat premiums start at €7.43 and the policy is paid monthly, so the outlay stays small.
- Claims run through app, customer portal and email, which includes a vet settling with the insurer directly.
- Self-paid amounts on a claim start at €0.
Cons
- pet lists pet as the only line, so any other policy needs a separate provider.
- The €7.43 entry price is quoted for cat cover, and a dog policy is not priced from that figure.
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
AGILA Haustierversicherung
Who it suits
- German dog and cat owners who prefer paying month by month.
- People who want the insurer on the policy rather than a broker, with BaFin supervision in Germany.
- Owners whose vet can bill the insurer directly, which cuts the claim paperwork.
Who should look elsewhere
- Good Sam Insurance Agency, which lists pet cover next to auto, home, life and travel for households wanting the same provider for several policies.
- bonus.ch, whose entry price of CHF 0 is quoted in Swiss francs rather than euros.
- ComparaJa, whose entry price of €0 is quoted in euros and sits in a different market from German pet cover.
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
AGILA Haustierversicherung
Current offer
Bonus
15 EUR wish voucher after taking out a policy: 15 EUR
Secured after concluding an AGILA policy; participation terms published as PDF (agila-teilnahmebedingungen-wunschgutschein)
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 | AGILA Haustierversicherung | Knose Pet Insurance |
|---|---|---|
| Australia | No | Yes |
| Austria | Yes | No |
| Germany | Yes | No |
Questions about each
AGILA Haustierversicherung
How much does AGILA pet insurance cost?+
Cat premiums start at €7.43, and the policy is paid monthly rather than as a single annual charge. That figure comes from the cat cover page, so a dog policy is priced on its own terms, with the animal's age and the cover level feeding into the monthly amount.
Who regulates AGILA?+
AGILA is the insurer on the policy, insurer, and it is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). The contract is with the insurance company itself, so claims are handled by the firm that carries the risk rather than by a broker in between.
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.