Budget Direct Pet Insurance — Plus

Budget Direct Plus carries the range's highest limits: $25,000 annually, with orthopaedic conditions covered all the way to that ceiling, cruciate ligaments to $3,500, and tick paralysis and snake attacks to $3,000 each. Reimbursement stays at the range's fixed 80% with a $100 or $200 excess. Routine care is an optional extra at $75 or $150 a year. Policies are issued by Auto & General, cover starts from eight weeks of age, and accidental injury claims open after a two-day wait.