Petbarn Pet Insurance — Gold Cover

Gold Cover brings full accident and illness protection to Petbarn's relaunched range, insuring dogs and cats to a $20,000 annual limit at up to 80% reimbursement. The excess — $0, $250 or $500 — applies per condition, with cruciate surgery capped at $4,000 per leg and emergency boarding at $1,000. An optional $1,000 dental illness benefit sits on top of the annual limit. Policies are issued by PetSure, with a 21-day illness wait, GapOnly claiming and 10% off each additional pet.