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Buddy Gold review

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
$35000
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
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
  • 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
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"
  • No cover for conditions caused by flea/mite infestations
  • Some cover 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, 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
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 submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available 8am聳10pm AEST (excluding Sundays and NSW public holidays)
Directpayments
GapOnly claims only

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.