Pet Insurance

Get comprehensive cover for your cat or dog and help protect your pocket from
unexpected vet bills.

Customers rate us

4.6 /5

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Buddy Pet Insurance

At Buddy Pet Insurance, we have a simple goal – to support Australia’s pet-parents in caring for their four-legged bestie. You want what’s best for your fur-friend, that’s why Buddy offers comprehensive pet insurance where you can get up to 90% back on eligible vet bills, up to $35,000 per year (depending on the level of cover you choose).

With Buddy, you get insurance that’s easy to understand, simple to manage, and offers flexible cover options plus

  • Access to 24/7 Live Vet Support3
  • Claiming on the spot4 with GapOnly®
  • Discounts and extra pet perks5 with myPetPass™
  • No sub-limits, more benefits when you need them
  • Our Giving Program is committed to giving $1 million in support to Australia’s animal welfare organisations
  • The first month is free1

Choose the level of cover that’s right for you
and your pet6

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GOLD

Accidental Injury & Illness Cover 

  • Up to 90% of eligible vet bills reimbursed  
  • $35,000 benefit limit per year
  • Annual $0/$200/$500 excess – your choice  
  • Pay your premiums fortnightly, monthly or annually  
  • No sub-limits  
  • Optional Routine Care (non-insurance) benefit of $100 to contribute towards everyday items such as vaccinations or health checks
  • Optional Booster Care cover of $2,000 for specified dental conditions and specialised therapies including behavioural conditions, physiotherapy and acupuncture


Cover Option Icon

SILVER

Accidental Injury & Illness Cover

  • Up to 80% of eligible vet bills reimbursed  
  • $20,000 benefit limit per year  
  • Annual $0/$200/$500 excess – your choice 
  • Pay your premiums fortnightly, monthly or annually
  • No sub-limits
  • Optional Routine Care (non-insurance benefit) of $100 to contribute towards everyday items such as vaccinations or health checks
  • Optional Booster Care cover of $2,000 for specified dental conditions and specialised therapies including behavioural conditions, physiotherapy and acupuncture
Cover Option Icon

BRONZE

Accidental Injury & Illness Cover

  • Up to 70% of eligible vet bills reimbursed
  • $11,000 benefit limit per year
  • Annual $0/$200 excess – your choice
  • Pay your premiums fortnightly, monthly or annually 
  • No sub-limits
  • Optional Routine Care (non-insurance benefit) of $100 to contribute towards everyday items such as vaccinations or health checks
  • Optional Booster Care cover of $2,000 for specified dental conditions and specialised therapies including behavioural conditions, physiotherapy and acupuncture

Help protect your pet and your pocket

Get cover that puts your bestie first with Buddy Pet Insurance.

Quick claims with GapOnly®

Buddy Pet Insurance offers GapOnly® ready policies, which reduce upfront out-of-pocket vet costs. Eligible claims are processed right then and there at participating vets within 10 minutes, and you only pay the gap.4 Over 1,400 vets in Australia participate, with more joining daily. Less upfront costs, paperwork, and waiting.

Discover more about pet insurance

What is pet insurance?

What is pet insurance?

Pet insurance is a type of insurance policy that can help you cover the cost of vet care for your pets when unexpected accidental injuries and illnesses strike. You can help shield your wallet against vet bills with pet insurance.

Compare pet insurance

Compare pet insurance

Not sure how to decide on the right pet policy that will suit the unique needs of you and your furry friend? It’s best to compare Buddy cover levels and understand the features, benefits, and limitations of them all before making a decision.

What is the cost of pet ownership?

What is the cost of pet ownership?

Becoming a pet-parent is a privilege and a joy! But it’s also a big responsibility that comes with its own set of costs. Prepare yourself and have a plan in place to meet the cost of pet ownership, so you can give your fur-bestie the care they deserve.

How does dog insurance work?

How does dog insurance work?

Help protect your best bud with the right policy. Dog insurance can help you keep your four-legged friend feeling their best by ensuring they get the care they deserve. The right cover can help manage the costs of unexpected eligible vet bills.

How does cat insurance work?

How does cat insurance work?

Cats may be known to land on their feet and the nine lives myth can have you believing they’re invincible. But as a cat parent, you may be aware of the subtle signs and symptoms to look for when they’re not feeling their best. That’s when cat insurance can really come in handy.

Reasons you’ll love Buddy Pet Insurance

$1 million support to animal welfare

Our Giving Program supports animal welfare organisations across Australia.

Flexible cover options

Choose from 3 levels of cover to suit your pet’s needs.

Claim instantly with GapOnly®

Claim at the vet clinic and only pay the gap.4

Multi-pet discount

Enjoy a 10% discount for every additional cat or dog you insure.7

More info

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Get a Buddy info brochure

Digging for more info? We can send you everything you need to know about Buddy Pet Insurance.

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Handy tools and resources

Good to know

  • Buddy Pet Insurance was created to meet the insurance needs of Australian pet-parents and their unique pet-buddies, but we’re more than just insurance. We’re here to protect your four-legged friend while making a real difference in the lives of animals across Australia. Our mission is to help dogs and cats receive the care they deserve while supporting Australia’s animal welfare organisations and charities by committing $1 million in support through our Giving Program – building a happier, healthier animal community.

  • Many pet insurance policies don’t cover dental conditions, while others may offer it as an optional benefit. With Buddy Pet Insurance, you can opt for Booster Care, which provides you with a $2,000 policy period limit that can be used to cover specified dental conditions and specialised therapies. This provides cover for eligible vet expenses incurred for scaling, polishing, dental x-rays and tooth removal for the following specified dental conditions:

    • Gingivitis
    • Abscesses
    • Odontoclastic resorptive lesions
    • Dental diseases arising from infections
    • Retained deciduous teeth
    • Cavities
    • Fractured teeth
  • Routine Care is an optional (non-insurance) benefit that you can get as part of your policy. It provides a $100 policy period benefit that you can spend towards:

    • De-sexing
    • FeLV/FIV test
    • Flea, tick and worm control
    • Heartworm control
    • Health checks
    • Micro chipping
    • Nail clipping
    • Prescription diets
    • Obedience training
    • Vaccinations
    • Wellness blood screening
  • Booster Care is an optional benefit. It has a $2,000 per policy period limit for specified dental conditions and specialised therapies, as set out in the Product Disclosure Statement.

    Specified dental conditions

    Eligible vet expenses incurred for scaling, polishing, dental x-rays, and tooth removal for the following dental conditions:

    • Gingivitis
    • Abscesses
    • Odontoclastic resorptive lesions
    • Dental diseases arising from infections
    • Retained deciduous teeth
    • Cavities
    • Fractured teeth
    Specialised therapies

    Eligible vet expenses incurred for the following specialised therapies to treat a covered condition:

    • Physiotherapy or physical therapy carried out by a qualified animal physiotherapist or vet
    • Chiropractic manipulation carried out by a staff member of a vet practice, provided they are a qualified animal chiropractor
    • Acupuncture carried out by a vet
    • Hydrotherapy carried out by a qualified animal hydro therapist in a pool/water treadmill owned by the vet practice
    • Prescribed medication and diagnostic tests for behavioural conditions
    • Consultations with a vet behavioural specialist
  1. Each new policy purchased on or after 21/06/2025 is entitled to one month free in your first year of cover (the first month). All quotes provided automatically include this offer. Terms and conditions apply.
  2. Based on our collective reviews generated through Greenstone Financial Services Pty Ltd over the last 14 years within the Pet Insurance category.
  3. Live Vet Support is a service provided by PetSure and gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at Pet Portal.
  4. Assessment times may vary. The gap is defined as the difference between the eligible vet’s invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating vets. Please visit GapOnly® to search for participating vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183.
  5. myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active Buddy Pet Insurance policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPassTM through the offer or provision of perks, or that the myPetPassTM rewards programme or any myPetPassTM perks or features of myPetPassTM will continue to be available. Full terms & conditions available at mypetpass.com.au/terms.
  6. Pre-existing conditions are excluded. Policy Terms and Conditions, limits, waiting periods and exclusions apply. Annual excesses may apply. Benefit limit amounts and benefit percentage vary by level of cover. Does not apply to the non-insurance Optional Routine Care benefit. Excess is an annual excess, applies per Policy Period and is deducted from the benefit payable to you on the first claim in that period.
  7. 10% multi-pet discount is applied to a second pet policy and each new additional pet policy. Terms and conditions apply.

Get Buddy Pet Insurance

Help protect your best mate with flexible cover. Get a quote now.