Updated September 28, 2026 · AssureCue Editorial Team
Healthy Paws Pet Insurance vs Knose Pet Insurance
Where Healthy Paws Pet Insurance and Knose Pet Insurance differ
| Compare | Healthy Paws Pet Insurance ReviewSee alternativesSee alternatives |  Knose Pet Insurance |
|---|---|---|
| Provider type | Insurer | Broker |
| Excess from | $100 to $5,000 | A$0 |
| Cover limit | Unlimited annual coverage (no annual or lifetime limit) | Up to 25,000 AUD annual limit |
| Claims channels | Online portal, Mobile app | Online claim portal, Email [email protected], Phone 1300 356 642 |
| Age range | 8 weeks to under 14 years (pet age) | 6 weeks to 8 years 364 days at signup, no upper age limit on renewal |
| Premium from | $24 | Not confirmed |
Same on both: Insurance types (Pet), Monthly payments (Yes).
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Key differences
- Healthy Paws Pet Insurance scores higher overall: 9.0 vs 8.9.
- Claims channels: only Healthy Paws Pet Insurance offers Online portal, Mobile app.
- Claims channels: only Knose Pet Insurance offers Online claim portal, Email [email protected], Phone 1300 356 642.
Our verdict on each
Healthy Paws Pet Insurance
Healthy Paws Pet Insurance suits pet owners who want accident and illness cover that pays out without an annual ceiling, and who are happy to claim from a phone. Cover starts at $24 a month, billed monthly, with an excess you choose from $100 to $5,000.
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 | Healthy Paws Pet Insurance | Knose Pet Insurance |
|---|---|---|
| Cost | 8.8Cover starts at $24 a month, above the pet ranking median of €8.88, and the excess is yours to set. | 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 | 8.4 | 9.0Higher |
| Trust | 9.6Higher | 8.5 |
Positions in our rankings
| Ranking | Healthy Paws Pet Insurance | Knose Pet Insurance |
|---|---|---|
| Pet insurance | 90 of 167 | 108 of 167 |
Licences and countries
| Country | Healthy Paws Pet Insurance | Knose Pet Insurance |
|---|---|---|
| Australia | Not confirmed |
Additional countries for Healthy Paws Pet Insurance: 1. Additional countries for Knose Pet Insurance: 1.
Sources behind this comparison
Healthy Paws Pet Insurance
- nerdwallet.com: 10 facts, checked September 26, 2026
Knose Pet Insurance
- knose.com.au: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Healthy Paws Pet Insurance | Knose Pet Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Not confirmed | Knose.com.au Pty Ltd (ABN 70 680 822 986, AR 1311940) |
| Headquarters | United States | Australia |
| Founded | Not confirmed | 2017 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Healthy Paws Pet Insurance | Knose Pet Insurance | Median |
|---|---|---|---|
| Premium from | $24above the median | Not confirmed | $16.09 |
Median across 61 listed insurance providers.
Pros and cons
Healthy Paws Pet Insurance
Pros
- Annual cover carries no yearly or lifetime ceiling, so an expensive treatment does not run into a cap, under Unlimited annual coverage (no annual or lifetime limit)
- The excess is your choice, $100 to $5,000, so you can trade the monthly cost against what each claim leaves you
- Claims run through online portal and mobile app, so a claim can be filed and followed from a phone without posting paperwork
Cons
- The excess can be set as high as $100 to $5,000, which leaves a large share of every settled claim with you
- Claims go through online portal and mobile app only, so there is no other listed route to file or follow a claim
- The premium from $24 sits above the pet ranking median of €8.88, so the entry price is not the smallest on the market
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
Healthy Paws Pet Insurance
Who it suits
- Pet owners who expect surgery or a long course of treatment and want cover with no yearly ceiling
- Owners who are happy to file claims on a phone through the online portal or the app
- People who prefer paying monthly rather than committing to a full year of cover up front
Who should look elsewhere
- Chasers of the lowest entry price should look at ComparaJa, from €0, and bonus.ch, from CHF 0, since both start below $24
- Owners who want a wider basket than pets: Good Sam Insurance Agency sells pet cover among many other lines, auto, home and renters
- Owners who would rather not choose an excess themselves, since the top of $100 to $5,000 leaves a large share of the bill with them
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
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 | Healthy Paws Pet Insurance | Knose Pet Insurance |
|---|---|---|
| Australia | No | Yes |
| United States | Yes | No |
Questions about each
Healthy Paws Pet Insurance
What does Healthy Paws Pet Insurance cost each month?+
Cover starts at $24 a month, and the payment can be taken monthly rather than as a yearly sum. That starting point sits above the pet ranking median of €8.88, so owners on a tight budget may find cheaper entry points among other pet insurers.
What is the excess, and who decides it?+
You decide, and $100 to $5,000 shows the selectable range. A lower excess means a higher monthly premium but less to pay when a claim settles. A higher excess keeps the monthly cost down and leaves a bigger share of each bill with you.
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.