Knose Pet Insurance Cashback Offer

Terms and Conditions

Promotion period — 17 April 2025 - 16 April 2026

  • The Knose Pet Insurance Cashback Offer (Offer) is valid for Eligible Customers who purchase a Knose Pet Insurance policy (Dog/Puppy or Cat/Kitten) through Citro between 17 April 2025 and 16 April 2026 (Eligible Policy).
  • The amount of the Offer is $75. Citro may provide boosted Offer amounts from time to time (Boosted Offer), as shown on the Citro App or Website. Boosted Offer amounts are only payable on Eligible Policies that are purchased during the Boosted Offer period shown on Citro’s App or Website.
  • An Eligible Customer is:
    • A person who is aged 18 years or older;
    • A Citro community member or current cardholder (“Citro member”) who purchases an Eligible Policy using the tracked URL specified by Citro or by calling the Knose Pet Insurance call centre on 1300 356 642 and advising the representative that you are a Citro member. You must use one of these methods to be eligible for the Offer. If purchasing online, you must ensure you use the specified URL for the entire purchasing session without navigating away from the tracked URL.
    • You will not be eligible if you have held a Knose Pet Insurance policy with Knose in the 12 months prior to purchasing the policy.
    • You purchase an Eligible Policy by making full payment of the annual policy premium or the first instalment of the annual premium if paying by the month.
    • For Citro cardholders, you must not be in breach of any terms and conditions applying to your Citro card, and you must complete your purchase by making your first payment for the Eligible Policy using your Citro card.
    • Regular premium payments are not eligible for cashback.
    • You must provide a valid email address on your insurance policy.
  • Issuing of cashback:
    • The Offer cashback will only be paid to an Eligible Customer via their Citro Visa debit card, where they are a Citro cardholder, or otherwise, the Offer cashback will be provided to you by electronic Visa gift card to the email address that you provided to Citro when you subscribed as a community member.
    • For Citro cardholders, Citro will use all reasonable endeavours to credit the cashback to your Citro Account within 14 days of your purchase of an Eligible Policy.
    • If you are not a Citro cardholder, your Offer cashback will be provided to you by electronic Visa gift card to the email address that you provided to Citro to become a community member, unless you tell us another email address in writing. We will use all reasonable endeavours to issue your gift card within 45 days of your purchase of an Eligible Policy.
    • Citro accepts no responsibility if you use an incorrect or invalid email address. Visa e-gift cards are issued by TCN Group Pty Ltd ABN 87 626 501 568 trading as Card.Gift and are subject to the gift card issuer’s separate terms and conditions (located here https://card.gift/terms-of-service and https://card.gift/terms-and-conditions) and subject to these terms you may use it anywhere Visa is accepted. Note that the Visa e-gift card must be used within 36 months from the date of issue or the value will be forfeited.  Citro does not accept any responsibility in relation to the use of the e-gift card once it has been issued to the email address you provided when subscribing as a community member. To receive the electronic gift card, you agree to provide us with any personal information we reasonably request to verify your purchase and identity.
  • General Conditions:
    1. The promoter is Citrus Innovations Pty Ltd ABN 25 667 285 654 (“Citro”), an authorised representative (AR 1305395) of ThePetInsuranceCompany.com.au Pty Ltd (ABN 38 620 795 735, AFSL 536651) (“The Pet Insurance Company”).
    2. Knose.com.au Pty Ltd, (ABN 70 680 822 986, AR 1311940) (“Knose”) distributes Knose Pet Insurance as an authorised representative of The Pet Insurance Company. The Pet Insurance Company acts under a binding authority from the insurer, Pacific International Insurance Pty Ltd (ABN 83 169 311 193, AFSL 523921), which underwrites this product. In all aspects of arranging this product, Knose and The Pet Insurance Company act as agents of Pacific, not as your agents.
    3. The Offer cannot be assigned or transferred. Unless stated otherwise, this offer cannot be combined with any other promotional offer or discount.
    4. Fees and charges apply to insurance products taken out in connection with this Offer. Refer to https://www.knose.com.au/ for more details.
    5. Citro members are responsible for ensuring that all payment and policy details are accurate at the time of purchase.
    6. All amounts are in AUD. Limit of one cashback offer per purchase of an Eligible Policy. Where the insurance policy is held jointly, only one Offer payment will be paid per policy.
    7. The Eligible Policy must not be cancelled within any statutory or other cooling off period or cancelled at any time for any other reason, otherwise Citro may require you to return any Offer payments credited to you under these terms and conditions.
    8. You agree that you will not engage in any fraudulent activity or improper or dishonest conduct in relation to the cashback offers (including any activity designed to manipulate the cashback offer system), as determined by Citro. Citro may reject, cancel or reverse any payments under this Offer resulting from such conduct.
    9. Citro may reject, cancel or reverse an Offer payment if it has reasonable grounds to believe that a person’s conduct or dealings with respect to an Eligible Policy or any other dealings with Citro may be fraudulent or otherwise illegal.
    10. These terms and conditions are separate from and do not form part of the contract for any insurance products obtained in connection with this Offer. To the extent of any inconsistency between these terms and conditions and the terms and conditions of insurance products, the terms and conditions of the insurance products prevail.  
    11. Citro is not responsible for delays or technical errors that may affect processing of cashback.
    12. Any disputes arising in connection with this offer will be resolved in accordance with Citro’s dispute resolution policy in section 18 of its Terms and Conditions.
    13. Citro reserves the right to withdraw or vary the Offer and these terms and conditions at any time without prior notice.
  • By participating in this offer, you agree to these terms and conditions and (for Citro cardholders) to any other terms that apply to your use of the Citro Card (including the Citro Card Terms and Conditions and Rewards Terms and Conditions).

Last updated: 17 April 2025

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