Petcover Pet Insurance — Mid-Range Key

Key tops Petcover's Mid-Range line at $15,000 a year, with cruciate ligament conditions covered to $3,500 — the highest cap in this product family — alongside $5,000 for cancer and $4,000 for hip dysplasia. The co-payment model carries through: 10%, 20% or 30%, with a $0, $100 or $200 excess. Third party liability of $1 million applies for dogs, and BOAS carries a 365-day wait. Sovereign Insurance Australia insures the lifetime policy, with direct vet payment by agreement.