Potiki Pet Insurance — Silver Cover

Potiki Silver Cover insures dogs for specified accidental injuries and a defined illness list, with entry stretching to under 15 years. The $20,000 annual limit pairs with up to 80% reimbursement and a $0, $250 or $500 excess per condition, with cruciate surgery capped at $3,000 per leg. What distinguishes Potiki is the Perks program: flea and tick treatments and VetChat access bundled into the premium. PetSure issues the policy, with GapOnly claiming and a 10% multi-pet discount.