Coverage | Potiki Pet Insurance

What Dog Insurance Covers

What Does Potiki Dog Insurance Cover?

Your dog is more than a pet—they’re family. Potiki dog insurance offers flexible cover options to suit every owner’s needs. From unexpected accidents to common illnesses, we help you manage the cost of care.

Coverage Overview by Plan

COVERAGE TYPE	SILVER	GOLD	PLATINUM
Annual Benefit Limit	$20,000	$20,000	$30,000
Benefit Percentage	80%	80%	80%
Excess	$0, $250, $500	$0, $250, $500	$0, $250, $500
Eligibility	Older than 8 weeks and younger than 15 years. Dogs only	Older than 8 weeks and younger than 9 years	Older than 8 weeks and younger than 9 years
Coverage	Specified Accidental Injuries; and The following Specified Illnesses only⁸ : Tick paralysis Heat stroke Gastric dilatation-volvulus (GDV); Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning); Intervertebral disc disease (IVDD) or a traumatic spinal disc rupture; Torn nail; Embedded grass seed; Soft tissue injury; eye Trauma.	Specified accidental injuries and illnesses ⁸	Specified accidental injuries and illnesses ⁸
Consultation sub-limit ⁶ (Home visits included)	$500	$500	Up to annual benefit limit
Paralysis Tick Sub-limit	$2,000	$3,000	Up to annual benefit limit
Cruciate Ligament Conditions Sub-limit	$3,000 per leg	$4,000 per leg	Up to annual benefit limit
Hip joint Surgery Sub-limit (Total hip replacements are included)	$6,000 per hip	$6,000 per hip	Up to annual benefit limit
Emergency Boarding Limit	$1,000	$1,000	$1,500
Dental Illness Limit	$1,000 (Optional Cover)	$1,000 (Optional Cover)	$1,000 (Included)
Waiting Period	0 days for Specified Accidental injuries, 21 days for specified illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit if selected	0 days for Specified Accidental injuries, 21 days for illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit if selected	0 days for Specified Accidental injuries, 21 days for illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit
Optional Extras Available	Routine Care(non-insurance benefit)	Routine Care(non-insurance benefit)	Routine Care(non-insurance benefit)

FEATURE	SILVER	GOLD	PLATINUM
Annual Benefit Limit	$20,000	$20,000	$30,000
Benefit Percentage	80%	80%	80%
Excess	$0, $250, $500	$0, $250, $500	$0, $250, $500
Eligibility	Older than 8 weeks and younger than 15 years. Dogs only	Older than 8 weeks and younger than 9 years	Older than 8 weeks and younger than 9 years
Coverage	Specified Accidental Injuries; and The following Specified Illnesses only⁸ : Tick paralysis Heat stroke Gastric dilatation-volvulus (GDV); Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning); Intervertebral disc disease (IVDD) or a traumatic spinal disc rupture; Torn nail; Embedded grass seed; Soft tissue injury; eye Trauma.	Specified accidental injuries and illnesses ⁸	Specified accidental injuries and illnesses ⁸
Consultation sub-limit ⁶ (Home visits included)	$500	$500	Up to annual benefit limit
Paralysis Tick Sub-limit	$2,000	$3,000	Up to annual benefit limit
Cruciate Ligament Conditions Sub-limit	$3,000 per leg	$4,000 per leg	Up to annual benefit limit
Hip joint Surgery Sub-limit (Total hip replacements are included)	$6,000 per hip	$6,000 per hip	Up to annual benefit limit
Emergency Boarding Limit	$1,000	$1,000	$1,500
Dental Illness Limit	$1,000 (Optional Cover)	$1,000 (Optional Cover)	$1,000 (Included)
Waiting Period	0 days for Specified Accidental injuries, 21 days for specified illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit if selected	0 days for Specified Accidental injuries, 21 days for illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit if selected	0 days for Specified Accidental injuries, 21 days for illnesses, 6 months for Cruciate Ligament Conditions, 6 months for Optional Dental illness Benefit
Optional Extras Available	Routine Care(non-insurance benefit)	Routine Care(non-insurance benefit)	Routine Care(non-insurance benefit)

COVERAGE TYPE	SILVER	GOLD	PLATINUM
Coverage	Specified Accidental Injuries; and The following Specified Illnesses only⁸ : Tick paralysis Heat stroke Gastric dilatation-volvulus (GDV); Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning); Intervertebral disc disease (IVDD) or a traumatic spinal disc rupture; Torn nail; Embedded grass seed; Soft tissue injury; eye Trauma.	Specified accidental injuries and illnesses ⁸	Specified accidental injuries and illnesses ⁸
Cruciate Ligament Conditions Sub-limit	$3,000 per leg	$4,000 per leg	Up to annual benefit limit
Paralysis Tick Sub-limit	$2,000	$3,000	Up to annual benefit limit
Hip joint Surgery Sub-limit (Total hip replacements are included)	$6,000 per hip	$6,000 per hip	Up to annual benefit limit
Dental Illness Limit	$1,000 (Optional Cover)	$1,000 (Optional Cover)	$1,000 (Included)
Emergency Boarding Limit	$1,000	$1,000	$1,500

Extras That Are Included:

When you insure your dog with Potiki, you also receive access to Potiki Perks^# and myPetPass®**, including:

At no additinal cost, myPetPass®** gives you access to:

24/7 online vet consultations (LiveVet) ~
30% off prescription dog medications
Discounts on flea, tick & worming product
Savings on premium pet food

The Potiki Perks App² gives you access to:

Retail, travel & entertainment deals for you and your household

Flexible Options for Every Dog Owner

Choose a benefit limit of $20,000 or $30,000
Excess options: $0, $250, or $500
Up to 80% reimbursement on eligible vet bills ^

Get the cover you deserve, with a plan tailored to your dog’s needs.

Help protect your dog

From routine mishaps to major medical events, Potiki dog insurance can help cover you.