A big round of applause to the 2022 winners of the Mozo Experts Choice Awards for Pet Insurance. For these awards, our team of expert judges compared 35 different pet insurance companies to help Australians find the best value providers and the policies that offer the most generous levels of cover when it comes to protecting their four legged friends. If a pet is part of your family and you want to protect them against accidents or illness, start your search to find the best value or quality cover right here with our pet insurance winners list for 2022.
Coles not only took out the most awards in the Value categories, but were also the leading national insurance company that achieved consistently strong scores across the majority of the categories assessed for this year’s awards. Coles consistently offered excellent service, making them the clear standout as the Mozo Experts Choice Pet Insurance Provider of the Year. A big congratulations.
Congratulations to:
Coles
• All accidents and injuries covered • 3 levels of cover available • Guaranteed lifetime cover
Accidents happen, so for many pet owners the importance of accident cover means you can rest easy knowing your furry friend is covered in emergencies. For accident only cover pet insurance policies, the annual benefit is generally smaller and accordingly, the policies are on average cheaper than accident and illness and comprehensive cover types. This year, one product stood out as the clear winner, providing an excellent level of potential benefit for each dollar spent on premiums.
Congratulations to:
PetsOnMe
• No lock-in contracts • Australian-based claims team • Discounted Pet Sitting & Walking
A great price and cover for the unexpected can be great peace of mind for Australian pet owners.To find the best value Accident & Illness policies, Mozo’s judges considered how each product that met our minimum criteria ranked for a range of quotes. In our assessment, the following eight products stood out as offering the best value overall.
Congratulations to:
Coles, Pet Insurance Australia, Petcover, Petinsurance.com.au, PetsOnMe, and Potiki
• All accidents and injuries covered • Up to $10,000 benefit limit • Cured pre-existing conditions covered
• All accidents and injuries covered • Up to $12,000 benefit limit • Guaranteed lifetime cover
• All accidents and injuries covered • Up to $15,000 benefit limit • Optional extras
• Up to $7,000 annual benefit limit • Quick and easy claims • Accident and injury cover
• Benefit Limit of $6,000 per policy year • Emergency boarding fees (up to $500 per year) • Overseas pet travel cover
• Up to $10,000 benefit limit • Full cost emergency consultation cover • Benefit stays the same for older pets
• 100% of your eligible vet bills covered minus $50 excess • Fast claims payout • Get cover in under 5 minutes
• Up to 80% reimbursement on eligible vet bills • Fast application process • 15 years industry experience
• Free VetChat assistance • Cover for dogs older than 8 weeks • Up to 80% reimbursement on eligible vet bills
If you want the highest level of cover for your cat or dog at an affordable price, this is the awards category for you. Mozo’s judges applied a minimum criteria to a range of quotes to identify the policies that offered the best overall value per dollar.
Congratulations to:
Coles, Kogan Insurance, Medibank, Petcover, Petinsurance.com.au, Potiki, and RAC
• All accidents and injuries covered • Up to $12,000 benefit limit • Cover for extended routine care
• All accidents and injuries covered • Up to $15,000 benefit limit • Cover for extended routine care
• Cover up to 80% of Eligible Vet Bills • First month free • $10 off Kogan.com every month
• Easy claims process • Over 200,000 active policies • One month free cover
• Cover for up to 80% of Eligible Vet Bills • 97% of claims processed within 5 days • Multiple pets discount
• Administered by PetSure • 15 years industry experience • Accident and injury cover
• Pet routine expenses covered • Free VetChat assistance • Cover for up to 80% of Eligible Vet Bills
• Illness and injury cover • Emergency boarding costs • Cover for up to 80% of Eligible Vet Bills
This award category recognises the pet insurance policies that offer the best levels of cover and benefits irrespective of price. The Mozo judges reviewed over 131 policies and scored each policy on 14 key factors to determine the winners.
Congratulations to:
HCF, Knose, Petcover, RAC, RACQ, Trupanion, and Woolworths
•10% discount on additional pets • Dental illness cover • Cover for up to 80% of Eligible Vet Bills
•Emergency help 24/7 • Get a quote in 2 minutes • No sub-limits apply
• Over 40 years experience • Short waiting period for claims • Discount on additional pets
• Cover for up to 80% of Eligible Vet Bills • Discount for applying online • Accident and injury cover
• Cover for up to 80% of Eligible Vet Bills • Emergency boarding cover • Cover for alternative therapies
• Cover for up to 80% of Eligible Vet Bills • Discount for applying online • Emergency boarding cover
• Cover for up to 80% of Eligible Vet Bills • Emergency boarding cover • Cover for alternative therapies
• Injury and illness cover • Flexible excess options • 24/7 customer service
• Cover for up to 80% of Eligible Vet Bills • Accident and illness cover • Free access to VetAssist
• Cover for up to 80% of Eligible Vet Bills • Accident and illness cover • Dental illness treatment
Now in their ninth year, the Mozo Experts Choice Awards present an opportunity to recognise products in the market we believe offer great value to Australians.
For the 2022 Pet Insurance awards, our Experts assessed 35 insurance companies head to head.
“It is great that Australians have so much choice when it comes to selecting Pet Insurance cover for their pets, but it also means that shopping around is more important as not all policies are created equal,” said Mozo Experts Choice Awards Judge Peter Marshall.
“This is why our awards exist. Our extensive research process brings similar policies together, looking at both price and cover levels to identify those that stand out from the rest.”
For details on how we crunched the numbers and determined our winners, see the 2022 Mozo Experts Choice Awards for Pet Insurance methodology report.
We couldn’t have a name like the Mozo Experts Choice Awards without a dedicated and experienced team of product data analysts at the helm. Combined they have decades of experience behind them. Meet them below.
Running since 2014, the Mozo Experts Choice Awards recognise products that deliver exceptional value or benefits to consumers. See our 2022 Mozo Experts Choice Awards for Pet Insurance methodology report for detailed information on how we performed product comparisons and determined the final winners for 2022.
We aim to include most providers in the market in the Mozo Experts Choice Awards. However, not all Pet Insurance companies in the market will be included in our review. Any insurance company we review must be available at the time of our analysis and any offers included must be available to the general public on the provider’s website.
In carrying out the Mozo Experts Choice Awards for Pet Insurance 2022, we analysed 35 insurance companies.
The best place to get all the ins and outs about pet insurance is to read Mozo's ultimate pet insurance guide. It runs you through all the must know information from how pet insurance works to what types of cover are available, what is and isn't included in policies, and how much pet insurance costs.
The best place to start is by checking out the winners in the Exceptional Value categories. Our experts have crunched the data on a range of pet scenarios and these were the insurance providers and policies that came out the cheapest when compared to similar products.
It’s important to understand that several factors go into determining the cost of pet insurance, such as your pet’s age and breed. So, you’ll still need to compare features and options to find a policy that is right for you and then get quotes to check prices. To review some of the latest pet insurance deals and our editor’s picks check out our Best Pet Insurance reviews.
Please get in touch with us to discuss by email should you have any queries.