Petcover Pet Insurance — Superior

Superior is Petcover's flagship lifetime plan, reimbursing up to 100% of eligible vet fees — less a fixed excess — with annual limits of $20,000 for dogs and $15,000 for cats. Alternative therapies are covered to $4,000, boarding to $2,000, and dogs carry $5 million in third party liability. Age-based contributions of 20% apply from eight years and 35% from ten. Sovereign Insurance Australia insures the product, with Petcover as administrator; an annual dental exam is a condition of cover.