Does pet insurance cover hospital stays?

Does pet insurance cover hospital stays in Australia, yes most comprehensive pet insurance policies $30 to $80 per month for dog $10K to $20K annual cover with 80% reimbursement cover hospital stays $500 to $3,000 per night including emergency and specialist hospitalisation, if medically necessary for covered accident or illness, with referral and pre-approval, covering 80% up to annual limit $10K to $20K. Hospital stays for pets include emergency hospitalisation $500 to $1,500 per night for 1 to 3 nights for poisoning, ingestion $2K to $5K total, surgery recovery $500 to $1,000 per night for 2 to 5 nights after cruciate $3K to $5K surgery and broken leg $3K surgery, and specialist hospitalisation for cancer $5K to $10K including chemo $1,000 per session and overnight $500 per night, all covered under pet insurance as part of accident and illness cover if medically necessary for covered condition, with 80% to 90% reimbursement $400 to $2,400 per night minus excess $100 to $500, up to annual limit $10K to $20K. For example, dog ingests chocolate needs emergency hospital 2 nights $1,000 per night = $2,000, insurance $50 per month 80% pays $1,600 minus $100 excess = $1,500, you pay $500 plus premium. Some policies have sub-limits for hospitalisation $1K to $2K per year, so check PDS, with best policies like Bow Wow Meow, Petplan, Knose covering full hospitalisation up to annual limit $10K to $20K without sub-limit. Pre-existing conditions excluded. So pet insurance covers hospital stays $500 to $3,000 per night for emergency and specialist if medically necessary for covered accident or illness, paying 80% up to annual limit $10K to $20K.