Petcover Pet Insurance — Safety-Net Catastrophe 1

Catastrophe 1 inverts the usual structure: a deliberately high excess of $450 or $900 in exchange for cover aimed at major events rather than routine claims. The $5,000 annual limit carries sub-limits of $1,500 for cruciate, patella, hip and OCD conditions collectively, $2,500 for cancer and $3,000 for BOAS after a 365-day wait. Pets under eight are reimbursed at 100% after the excess. Sovereign Insurance Australia insures the lifetime policy, with third party liability available as an option.