Ok guys, I think I've decided it's going to be medibank pvt...... for us they appear to offer the best cover.
Gold paws is what we will go with ($15000 per year accident and illness + $165 per year routine care), the silver is only $9.50 cheaper per month but you lose $3000 off A&I per year and forgo the routine care completely. Also the tick treatment value is less.
Equivalent cover from companies like Bow Wow Meow, PIA, Pet Plan, 1300Insurance and RSPCA (who are all under written by Petsure) were from $6-$11 per animal more per month for the closest equivalent cover they had.
Obviously everyone wants something different from their insurance so different policies will suit different people, but that's the one we were happiest with.