Australian Seniors Pet Insurance — Top Cover

Top Cover is Australian Seniors' highest tier, reimbursing up to 80% of eligible vet bills against a $12,000 annual limit with no excess. Tick paralysis is covered to $1,200 a year, cruciate ligament conditions to $2,600 and emergency boarding to $1,000, with consultations capped at $300. An optional routine care benefit — available only on this tier — contributes to preventative items. Policyholders aged 50 and over receive a 10% premium discount, and GapOnly claiming operates at participating vets.