Pet Insurance Renewal Australia 2026 — Why Premiums Rise & What You Can Do
No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.
By Jay Fan · Pet Insurance Analyst · Updated July 5, 2026 · About the author
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
Why pet insurance premiums rise at renewal
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Insurer-wide repricing. Sometimes the insurer simply decides to charge more across the board. This happens when their loss ratio (claims paid divided by premiums collected) is higher than expected. If the whole book is underperforming, every customer pays more regardless of their individual claims history.
How renewal pricing actually works
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Average renewal increases by provider
RSPCA Pet Insurance (Hollard)
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
Bow Wow Meow
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
Medibank Pet Insurance
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
What you can do about renewal increases
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.
Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.
The trap: switching after a claim
Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.
This page does not publish that population estimate as current evidence. Ask a veterinarian about the individual animal and consult a current veterinary source for any statistic.
Compare pet insurance providers
See how renewal pricing compares across providers.
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