Medibank Pet Insurance — Pet Plus

Pet Plus lifts Medibank's cover to a $25,000 annual limit and removes sub-limits from the benefits owners claim most — consultations, tick paralysis, cruciate ligament surgery and hip surgery all draw from the full limit. Reimbursement reaches 80% of eligible vet bills, with a $0, $100, $250 or $500 excess per condition. Optional extra care adds specialised therapies and specified dental cover. PetSure issues the policy, illness claims open after 30 days, and the six-month cruciate wait is waivable with a vet form.