What pet insurance to avoid?

What pet insurance to avoid in Australia includes policies with low annual limits $3K to $5K, low reimbursement 60% to 70%, high excess $500 to $1,000, many exclusions and sub-limits $1K to $2K per condition, and poor claims service with 4.0 stars below. Pet insurance to avoid includes cheap policies with $3K to $5K annual limit costing $20 to $30 per month, which is insufficient for large vet bills $5K to $10K for cancer and cruciate $3K to $5K, leaving you $5K out of pocket after $5K limit. Avoid policies with 60% to 70% reimbursement versus 80% to 90% best, as you pay 30% to 40% of $5K bill $1,500 to $2,000 versus 20% $1,000. Avoid policies with high excess $500 to $1,000 versus $100 to $200 best, as you pay more. Avoid policies with many exclusions like pre-existing defined broadly, hereditary conditions excluded for certain breeds like bulldogs, and sub-limits $1K to $2K per condition for cruciate, cancer and dental, which limits $5K cancer bill to $2K payout. Avoid insurers with poor claims service rating below 4.0 stars and slow claims 14+ days and denial rate high. For example, some supermarket pet insurance $25 per month with $5K annual limit, 70% reimbursement and $500 excess, $5K cancer bill pays $5K limit 70% = $3,500 minus $500 = $3,000, you pay $2,000 versus best policy $10K limit 80% = $4,000 minus $100 = $3,900 you pay $1,100. So avoid low limit $3K to $5K, low reimbursement 60% to 70% and high excess $500+.