Kogan Pet Insurance — Gold Cover

Kogan Gold Cover steps up to full accident and illness protection for dogs and cats, with a $20,000 annual benefit limit and up to 80% back on eligible vet bills. The excess applies per condition, with sub-limits set out on the certificate of insurance. An optional $1,000 dental illness benefit sits on top of the annual limit, and routine care can be added as a non-insurance extra. PetSure issues the policy, illness claims open after 21 days, and GapOnly settles claims on the spot.