What pet insurance covers almost everything?

What pet insurance covers almost everything in Australia is comprehensive accident and illness policy with $20K to $30K annual limit, 80% to 90% reimbursement, covering accidents $2K to $5K, illnesses $1K to $10K, surgery $2K to $10K, cancer $5K to $10K, MRI $1,500 to $3,000, hospital stays $500 to $3,000 per night, diagnostics $300 to $3,000 and medications $100 to $500, plus optional wellness $10 to $20 per month extra for routine care $500 to $1,000 per year, with no sub-limits and lifetime cover, offered by Petplan, Bow Wow Meow, Knose and Trupanion US with 90% reimbursement. Pet insurance that covers almost everything includes comprehensive accident and illness cover $10K to $20K annual limit $30 to $80 per month for dog with 80% to 90% reimbursement, $100 to $500 excess, covering accidents like broken leg $3K, cruciate $3K to $5K, ingestion $2K to $5K, illnesses like cancer $5K to $10K, skin allergies $1K to $3K, arthritis $1K to $2K per year, diagnostics X-ray $300, MRI $1,500 to $3,000, hospital $500 to $3,000 per night, surgery $2K to $10K and medications $100 to $500, with no sub-limits $1K to $2K per condition like some cheap policies $3K to $5K limit. For almost everything including routine care, add wellness or preventive plan $10 to $20 per month extra covering vaccinations $100, flea and worming $200 per year, dental cleaning $300 to $500, health checks $100, total $500 to $1,000 routine, so combined $40 to $100 per month $480 to $1,200 per year covers accidents, illnesses and routine almost everything. For example, Petplan $50 to $80 per month for $20K annual plus $15K per condition no annual limit covers almost everything except routine, with Bow Wow Meow $40 to $70 $20K annual 90% option covers almost everything. So pet insurance covering almost everything is comprehensive $20K annual limit 80% to 90% plus wellness $10 to $20 extra, covering accidents $2K to $5K, illnesses $1K to $10K, surgery $2K to $10K, cancer $5K to $10K, MRI $1,500 to $3,000 and routine $500 to $1,000, costing $40 to $100 per month total.