Petcover Pet Insurance — Mid-Point

Mid-Point sits in the middle of Petcover's Superior policy booklet, with lifetime cover of $15,000 a year for dogs and $10,000 for cats at up to 100% reimbursement less the fixed excess. Alternative therapies are covered to $2,000 and third party liability to $3 million for dogs, with boarding at $1,000 for dogs and $500 for cats. There is no accident waiting period; illness claims open after 21 days. Sovereign insures the product, and age-based contributions apply from eight years.