Just to add- we have home and contents with suncorp metway. I called them today. For $50 per year we can add the dog to this policy. It is accident cover only and covers expenses due to accident up to $500 per year. Does not cover diagnosis of cancer etc. (accident includes snake bite/tick/broken bones/pulled tendons etc).
For $50 per year I thought this was ok. I know the $500 limit would fly by, but its a start.