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Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteBuddy Bronze is an Australian injury-and-illness policy for cats and dogs, with a reported annual benefit limit of $11,000 and 70% of eligible vet bills covered per claim. Whether it suits your pet depends on the current policy wording, excess, exclusions and quote—not just the headline limit.
What Buddy Bronze covers
Buddy describes Bronze as injury and illness cover. The insurer is PetSure (Australia) Pty Ltd, according to CHOICE’s Buddy Bronze listing, which classifies it as comprehensive injury and illness insurance for cats and dogs.
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Buddy’s 2025 policy booklet lists accidental injury, illness, emergency pet boarding, and eligible travel to New Zealand and Norfolk Island among the benefits. It also lists optional Booster Care and Routine Care; these are add-ons, not a reason to assume every Bronze policy includes those benefits. The booklet says its comparison table is a summary and does not set out every policy term, condition or exclusion. Read the policy booklet alongside the current Product Disclosure Statement (PDS).
How much can it pay?
CHOICE reports an $11,000 maximum annual benefit and 70% of the vet bill covered per claim. That percentage is not the same as a promise to pay 70% of every invoice: eligibility, exclusions, limits, excess and claim conditions in the contract affect the amount payable. Check whether the 70% applies to eligible costs after any excess, and how the current PDS defines a claim and policy period.
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CHOICE’s accessible listing reports an excess choice of $0 or $200. Confirm the available option and how the excess is applied in your quote and certificate of insurance; the listing is not a substitute for current policy documents.
Waiting periods and limitations to check
CHOICE reports a two-day waiting period for injury, 30 days for illness, and six months for cruciate ligament conditions. These are page-reported details; check the current PDS for when each period starts, how it applies to your pet, and any condition-specific rules.
The available summaries do not establish a complete list of exclusions or sub-limits. Before buying, read the current PDS for pre-existing-condition rules, exclusions, condition-specific caps, and any restrictions on treatment or eligibility. Buddy’s target market determination says it is not financial product advice and is not a summary of contract terms; the PDS sets out those terms.
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Buddy’s 2025 booklet compares the tiers by maximum benefit per policy period. The figures below are product terms, not independent assessments of value.
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| Plan | Maximum benefit per policy period | What this comparison establishes |
|---|---|---|
| Bronze | $11,000 | Annual benefit limit in the booklet |
| Silver | $20,000 | Annual benefit limit in the booklet |
| Gold | $35,000 | Annual benefit limit in the booklet |
The booklet also lists optional Booster Care of $2,000 for specified dental conditions and specialised therapies, and optional Routine Care of $100. These are stated as optional benefits; check eligibility, covered services and the applicable terms rather than treating them as unrestricted cash benefits.
What does Buddy Bronze cost?
There is no single premium that applies to every pet. Finder’s page, updated March 11, 2026, presents sample annual quotes for a five-year-old dog under specified breed, location and policy assumptions, and notes that price varies with details such as breed, age, location, cover and excess. Those examples are not a typical premium or a quote for your pet. See Finder’s Buddy Pet Insurance page for its stated assumptions, then obtain a current quote using your own pet’s details.
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What independent review evidence can—and cannot—tell you
CHOICE identifies the policy details above, but its expert rating and component scores are available only to members on the accessible page. There is not enough accessible scoring information to report a CHOICE score or characterize this as a fully visible independent test result. The information here supports a check of Buddy’s own tiers, not a ranking against the whole pet-insurance market.
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How to decide whether Bronze fits
- Compare the annual limit with the level of eligible vet costs you want the policy to help manage.
- Ask what the 70% benefit means in practice after the policy’s excess and exclusions.
- Check waiting periods, pre-existing-condition rules, condition limits and all other exclusions in the current PDS.
- Compare Bronze with Silver and Gold using the same pet details, address and excess; the tier limits alone do not show every difference in terms or price.
- Before purchase, confirm the final cover, excess and relevant conditions in the current PDS and your certificate of insurance.
Verdict
Buddy Bronze has a clearly stated $11,000 annual limit and reported 70% per-claim benefit, with higher-limit Silver and Gold tiers available. It may be worth considering if those limits and the premium suit your needs, but the summaries do not establish the full exclusions, claim calculation or individualized price. Make the decision from a current quote, PDS and certificate—not the limit alone.
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