Guardian Pet Insurance — Bronze

Guardian Bronze runs on a contribution model: every accidental injury and illness is capped at $2,000 a year within a $12,000 overall limit, reimbursed at 60% with no excess to pay. Entry stretches from eight weeks to under 16 years, wider than the brand's higher tiers. Consultations are capped at $300 a year and emergency boarding at $500. Hollard insures the product, PetSure administers it and Greenstone distributes it, with GapOnly claiming available at participating vets and lifetime renewal once accepted.