Compare what each policy covers, including accidental injury, illness, hereditary conditions and dental treatment, as exclusions can vary widely. Check waiting periods, annual or per-condition limits, reimbursement percentages, excesses and whether the policy has age restrictions. Pre-existing conditions are commonly excluded, and some insurers apply sub-limits or require you to pay the vet first and claim later. Read the product disclosure statement carefully and contact the insurer if you are unsure how a condition or treatment would be assessed.