Pet Insurance Australia — Select & Protect

Select & Protect is Pet Insurance Australia's build-your-own policy: a $15,000, $25,000 or $35,000 annual limit, 70%, 80% or 90% reimbursement, and an annual excess from $0 to $600, with no sub-limits on eligible conditions. The Booster Care option adds specified dental and specialised therapy cover worth $2,500 a year, and routine care contributes $200. Multi-pet discounts scale from 5% to 15%. PetSure issues the policy, with GapOnly claiming at participating vets and the six-month cruciate wait reducible to two days.