Budget Direct Pet Insurance — Comprehensive

The middle tier of Budget Direct's range raises the annual limit to $15,000 and doubles the orthopaedic sub-limit to $8,000, with tick paralysis and snake attack claims each covered to $1,500. Reimbursement is fixed at 80% of eligible vet expenses with a $100 or $200 excess per condition. An optional routine care benefit contributes $75 or $150 a year toward preventative treatments with no waiting period. Auto & General issues the policy, and buying online attracts a first-year discount.