help best pet insurance in Australia

hi fellow Irish lovers

due to get a puppy very soon. thinking of insuring him , has any one out there got any info on the best cover to take out, there seems to be three in most cases, also which insurer they were happy with. seems the excess is either a $100 or $200, the other type say they will pay up to 80% that is a worry. the up to bit. any help be grateful of.

cheers Rosie