Trupanion Australia Pet Insurance

Trupanion structures its single policy unlike most of the market: no annual or payout limits on eligible claims, 90% reimbursement, and a Lifetime+ excess — chosen anywhere from $0 to $1,000 — paid once per condition, ever. Dental illness and injury are covered subject to annual dental examinations, and hereditary conditions are included unless pre-existing. Consultations require a paid endorsement, as do recovery and complementary care. Policies from March 2026 are issued by PetSure, with GapOnly paying hospitals directly at discharge.