What does pet insurance in Australia cover?

What pet insurance in Australia covers is accidents and illnesses including surgery $2K to $10K, cancer $5K to $10K, diagnostic imaging like X-ray $300 and MRI $1,500 to $3,000, hospital stays $500 to $3,000 per night, medications $100 to $500 and emergency care $500 to $3,000, with $10K to $20K annual limit, 80% to 90% reimbursement and $100 to $500 excess, costing $30 to $80 per month for dogs and $20 to $50 for cats. Pet insurance $30 to $80 per month for dog, $20 to $50 for cat, with $10K to $20K annual limit, 80% reimbursement and $100 to $500 excess, covers accidents like broken leg $3K, cruciate ligament $3K to $5K, ingestion of foreign object $2K to $5K, snake bite $1K to $3K and car accident $2K to $5K, with waiting 2 days for accidents. Covers illnesses like cancer $5K to $10K, skin allergies $1K to $3K, ear infections $200 to $500, arthritis $1K to $2K per year and diabetes $1K to $2K per year, with waiting 14 to 30 days for illnesses and 6 months for cruciate. Covers diagnostics including X-ray $300, ultrasound $500, MRI $1,500 to $3,000 and blood tests $200, hospital stays $500 to $3,000 per night for emergency and specialist, surgery $2K to $10K and medications $100 to $500. Does not cover routine care like vaccinations $100, flea and worming $200 per year, dental cleaning $300 to $500 and desexing $200 to $500 unless wellness add-on $10 to $20 per month extra. So pet insurance covers accidents $2K to $5K, illnesses $1K to $10K, surgery $2K to $10K, cancer $5K to $10K, MRI $1,500 to $3,000 and hospital $500 to $3,000 per night, with $10K to $20K annual limit 80% reimbursement.