Buddy Pet Insurance — Silver

The middle of Buddy's range, Silver lifts the annual benefit limit to $20,000 while keeping the structure of the Bronze plan: 70%, 80% or 90% reimbursement, no sub-limits on standard treatment, and an annual excess set at purchase. Accidents carry a two-day waiting period and illnesses 30 days, with the six-month cruciate wait waivable on application. Booster Care and routine care remain optional add-ons. Policies are issued by PetSure, include NZ and Norfolk Island vet cover, and earn a multi-pet discount.