Check the policy’s cover for accidents, illness, hereditary conditions, dental treatment and emergency care, as well as exclusions for pre-existing conditions. Compare annual limits, sub-limits, benefit percentages, excesses, waiting periods and whether premiums or cover change as your pet ages. Read the Product Disclosure Statement (PDS) carefully, including claim requirements and any conditions about routine care, vaccinations or payment of vet bills. If you are unsure, ask the insurer to explain the terms before buying, as the provider ultimately decides cover and claims based on your pet’s circumstances.