At Avoca, we know your pet is more than just an animal, they’re family. we understand the importance of providing the best care for your pet, but we also know that veterinary bills can add up quickly. That’s why our pet insurance is designed to protect you from the financial burden, covering everything from routine check-ups to emergency surgeries.
With flexible coverage options, you can ensure your pet receives the care they need, without the stress of unexpected costs. Whether it’s a sudden illness or an accident, we’ve got you covered, so you can focus on keeping your pet happy and healthy, without worrying about the bills.
We have partnered with Knose Insurance to offer you something truly unique: One Policy, Maximum Flexibility.
Unlike other insurers who lock you into rigid tiers, Knose offers one fully customisable policy, giving you premium benefits at a fair price.
With Avoca and Knose, you don’t just get pet insurance, you get peace of mind knowing your pet’s health is protected today and in the future.
Yes, pet insurance providers in Australia are regulated. The Australian Prudential Regulation Authority (APRA) oversees licensing and financial stability, while the Australian Securities and Investments Commission (ASIC) focuses on consumer protection and disclosure obligations, such as requiring a clear Product Disclosure Statement (PDS).
In most cases, pre-existing conditions and symptoms aren’t covered under pet insurance. However, in some situations, an insurer may make an exception after a formal assessment. If you’re unsure whether your pet has any pre-existing conditions, we can arrange a pre-existing condition assessment before you lodge your first claim. Our goal is to keep things transparent and help you understand exactly what is and isn’t covered.
Vet bills can add up quickly, especially when unexpected accidents or illnesses occur. Pet insurance helps you manage these costs, so you never have to choose between your finances and your pet’s health. With Knose Pet Insurance, you can access flexible cover options designed to suit your pet’s unique needs, giving you peace of mind that they’ll always receive the best care when life throws a curveball.
A deductible (also known as an excess) is the amount you agree to pay towards a claim before your insurance kicks in. For example, if your deductible is $100 and your vet bill is $1,000, you’ll pay the first $100 and the insurer will cover the rest.
Pet insurance premiums aren’t one-size-fits-all. Insurers consider factors like your pet’s species, breed, age, and where you live. They also take into account veterinary cost trends and overall claims history. As your pet gets older or as vet expenses rise, your premium may change. At Knose, we’re upfront about these factors so you can make informed decisions when choosing cover.
