Pros
- You get your first month free in your first year of cover, which amounts to an effective 8.3% discount. There's also a 10% discount for each additional pet you insure after the first.
- Gold policies have a $35,000 annual cap for coverage, which is one of the highest on the market. The 90% benefit limit for Gold is also higher than most rivals.
- You can customise your policies for excess levels and extra inclusions to reduce the cost.
Cons
- Policy costs rise rapidly if you want a $0 excess.
- Animals 9 years or older can't get cover.
- You're still liable for between 10-30% of vet bills, depending on your cover level.
- There's no coverage for any animals other than dogs and cats.
