Compare the policy’s cover for accidents, illness, hereditary conditions, dental treatment and routine care, and check exclusions for pre-existing conditions. Note the waiting periods, annual and per-condition limits, excess, reimbursement percentage and whether limits reset each policy year. Read the Product Disclosure Statement (PDS) to understand claim requirements, age restrictions, premium changes and how the insurer assesses veterinary fees. Before buying, confirm details with the insurer and consider asking your vet about likely treatment costs for your pet’s breed and age.