We are with Westfund, we have their gold cover which is the 2nd highest one they have, but I still think it is considered Top cover. We have hospital and extras, with no excess for $200 per month.
I'm sure when we joined in Feb last year, they had a 2 year wait for IVF, but we checked with them the other week and they said that it's a 12 month waiting period, and we are covered, (DH and I both nearly kissed the girl who told us LOL)
I'm still going to double check on this though..

Nic