Petcover Pet Insurance — Safety-Net Catastrophe 2

Catastrophe 2 doubles its sibling's headline numbers: a $10,000 annual limit with $3,000 for joint conditions, $5,000 for cancer and $6,000 for BOAS, behind the same deliberately high $450 or $900 excess. The design trades everyday claiming for protection against major vet events, reimbursing pets under eight at 100% after the excess with age-based contributions thereafter. Consultations are capped at $400 a year. Cover is lifetime once accepted, insured by Sovereign Insurance Australia and administered by Petcover.