Guardian Pet Insurance — Platinum

Platinum leads Guardian's range with 80% reimbursement, a $12,000 annual limit and no excess to pay on claims. Tick paralysis is covered to $1,200 a year and cruciate ligament conditions to $2,600, with emergency boarding at $1,000. An optional routine care benefit — exclusive to this tier — contributes toward preventative items including dental treatment. Hollard insures the product with PetSure as administrator, policies renew for life while kept active, and GapOnly settles the insured portion on the spot at participating vets.