Kogan Pet Insurance — Platinum Cover

Kogan's Platinum Cover carries the brand's highest annual limit at $30,000 and includes the $1,000 dental illness benefit as standard rather than as an add-on. Dogs and cats are covered for eligible accidents and illnesses at up to 80% reimbursement, with the excess applied per condition. Waiting periods run 21 days for illness and six months for cruciate ligament conditions, waivable via a vet examination form. Active policyholders receive $10 of Kogan.com credit monthly, and GapOnly claiming operates at participating vets.