Comprehensive injury and illness cover for cats and dogs
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- Members only
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Description
- Insurer
- Buddy
- Policy
- Gold
- Underwriter
- PetSure (Australia) Pty Ltd
- Policy type
- Comprehensive injury and illness cover
- Animals covered
- Cats and dogs
Cover summary
- Minimum age for new cover
- No minimum age
- Maximum age for new cover
-
- 8 years (dogs)
- 10 years (cats)
- Maximum benefit per year
- $35,000
- Benefit paid per claim
- 90% vet bill covered
Excesses
- Excess
- Choose excess from $0, $200 or $500
Covered events
- Injury
-
- Comprehensive cover
- 2 day waiting period
- Illness
-
- Comprehensive cover
- 30 day waiting period
- Vet consults
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
- Covered
- Behavioural conditions
-
- Optional, bundled with other extras
- Up to $2000
- Some cover available under routine care option
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
- 6 month waiting period
- Ear conditions
- Covered
- Eye conditions
- Covered
- Dental and oral health conditions
-
- Limited default cover
- Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture <b>Optional cover:</b>
- Bundled with other extras
- Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
- Up to $2000
- 6 month waiting period
- Treatment limited to polishing, scaling, tooth removal and x-rays
- Ingestion of a foreign object
- Covered
- Heart conditions
- Covered
- Orthopaedic conditions
- Covered
- Patella luxation
- Covered
- Joint conditions
-
- Covered
- Covered treatments for joint condition include total hip replacement
- Intervertebral disc disease
- Covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
- Some cover for parasite prevention, testing and control available under routine care option
- Skin conditions
- Covered
- Snakebite
- Covered
- Vaccinatable Conditions
-
- Covered
- Vaccine benefit available under routine care option
Additional benefits
- Routine care
-
- Optional
- Up to $150 for desexing; vaccinations; health checks; microchipping; heartworm preventative medication; prescription diets; puppy pre-school and obedience training; flea, tick or worm control; FeLV/FIV and heartworm tests; wellness blood screen or nail clipping
- Alternative therapies
-
- Optional, bundled with other extras
- Up to $2000
- Lost animal
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
-
- Text or video call with vet
- Available 24/7
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Customer web portal
- E-claim (vet submits on your behalf)
- GapOnly (vet must opt in)
- Mail claim form (vet must fill out a section)
- Quickeasyclaims
-
- GapOnly
- Participating vet practices only
- Available Monday—Saturday 8am—10pm AET (excluding NSW public holidays)
- Directpayments
- GapOnly claims
