Australian Seniors Pet Insurance — Essential Cover

Australian Seniors Essential Cover pairs a $12,000 annual benefit limit with 75% reimbursement on eligible vet bills, and no excess applies when claiming. Sub-limits include $300 a year for consultations, $1,000 for tick paralysis, $2,600 for cruciate ligament conditions and $1,000 for emergency boarding. Dogs and cats can join from eight weeks to under nine years, with a 30-day illness waiting period. The product is distributed by Greenstone Financial Services, insured by Hollard and administered by PetSure.