Buddy Gold

Comprehensive injury and illness cover for cats and dogs

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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
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Covered
Emergency treatment
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
  • Standard waiting periods
Behavioural conditions
  • Optional, bundled with other extras
  • Up to $2000
  • Standard waiting periods
  • Some cover available under routine care option
Cancer
  • Covered
  • Standard waiting periods
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
  • Standard waiting periods
Eye conditions
  • Covered
  • Standard waiting periods
Dental and oral health conditions
  • Not covered by default
  • 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
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered
  • Standard waiting periods
Joint conditions
  • Covered
  • Covered treatments for joint condition include total hip replacement
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
  • No cover for conditions caused by flea/mite infestations
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered
  • Standard waiting periods
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, prescription diets, Puppy pre-school and obedience training, flea/tick/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
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 submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available weekdays 8am֪10pm, Saturday 8am֪5pm (excluding NSW public holidays)
Directpayments
GapOnly claims only

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