CoverMy Pet Insurance — High

High is CoverMy Pet's most substantial tier, lifting the annual limit to $8,000 with category caps of $3,500 each for cruciate ligament conditions, cancer and hip dysplasia. The claiming structure stays consistent across the range: a flat $100 excess per condition plus a 15% co-payment, for an effective 85% reimbursement rate. Cover is lifetime once accepted, insured by Sovereign Insurance Australia and administered by Petplan Australasia. Banned breeds and security or racing dogs are excluded, and BOAS carries a 12-month wait.