Potiki Pet Insurance — Gold Cover

Gold Cover pairs Potiki's prevention-first model with full accident and illness protection for dogs and cats. The $20,000 annual limit is reimbursed at up to 80%, with sub-limits including $500 for consultations, $3,000 for tick paralysis and $4,000 per leg for cruciate surgery. Potiki Perks — parasite treatments and VetChat access — come bundled with the premium, alongside myPetPass and its 30% prescription discount. PetSure issues the policy, with a 21-day illness wait and GapOnly claiming at participating vets.