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Buddy Silver is Australian pet insurance for cats and dogs, with a listed annual benefit limit of $20,000 and 80% of eligible vet bills covered per claim, according to CHOICE’s Buddy Silver review. Whether it suits your pet depends on the policy wording, the excess you choose, waiting periods and optional-benefit limits—not just the headline reimbursement rate.
What Buddy Silver covers
CHOICE describes Buddy Silver as “Comprehensive injury and illness cover for cats and dogs” and identifies PetSure (Australia) Pty Ltd as the underwriter. The accessible review listing reports a maximum annual benefit of $20,000 and 80% of the vet bill covered per claim. These are policy terms reported by CHOICE, not a promise that 80% of every invoice will be reimbursed: eligible expenses, benefit calculations and exclusions are governed by the current policy documents.
The review page does not provide representative premiums. Because the price depends on the quote and chosen terms, the available information is not enough to judge whether Buddy Silver is inexpensive or good value.
Excess and waiting periods
| Term | CHOICE listing | What to check |
|---|---|---|
| Selectable excess | $0, $200 or $500 | Compare the premium and excess together. Confirm how the excess is applied under the policy wording. |
| Injury waiting period | 2 days | Check the policy definition of an injury and when the waiting period starts. |
| Illness waiting period | 30 days | Check how the policy defines illness and whether any condition-specific rules also apply. |
| Cruciate ligament conditions | 6 months | Read the policy’s condition-specific terms and any exclusions or eligibility requirements. |
These terms are figures reported by CHOICE on an undated review page. Check the current policy documents before relying on them, as well as how a claim is assessed when a condition has signs or symptoms before cover begins.
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Optional benefits and limits
CHOICE’s listing describes routine care up to $150 and optional alternative therapies up to $2,000. It also lists optional behavioral and dental benefits with stated limits, but the accessible information does not establish those limits. Pregnancy and obstetrics and lost-animal cover are listed as not covered.
Confirm whether an optional benefit is included or must be selected, what expenses qualify, and the applicable cap in the current policy wording. A stated benefit limit is not necessarily the amount payable for every treatment or claim.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How to decide whether Buddy Silver is worth it
The available terms can help narrow a decision, but they do not settle value. CHOICE’s expert score and detailed test results are available to members only, and the accessible review result does not establish a ranking against other policies. No representative premium is reported, so a price-based verdict cannot be supported from this information alone.
When comparing Buddy Silver with another Australian pet insurance policy, use quotes for the same pet and location, and align the coverage level and excess. Then compare the terms that determine what you could claim:
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- Annual benefit cap and reimbursement percentage, including which expenses are eligible.
- Excess amount and how it applies to claims.
- Waiting periods, including rules for specific conditions such as cruciate ligament problems.
- Pre-existing condition rules, exclusions and any condition-specific requirements.
- Optional benefits, their limits, and whether they are included or require selection.
- Claims arrangements and the current premium for your own pet.
CHOICE’s listing is a useful starting point for the reported headline terms, but the current policy documents are the source to consult for the conditions that control an actual claim.
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