When comparing pet insurance, look beyond the monthly premium and check the annual benefit limit, reimbursement percentage, excess and sub-limits for conditions such as dental treatment. Review waiting periods, exclusions, age or breed restrictions and how pre-existing conditions are treated, as these can affect whether a claim is covered. Some policies include optional routine-care benefits, but these may have separate limits and costs. Compare the product disclosure statement (PDS) for each policy and confirm the final cover details with the insurer, as eligibility and claims decisions depend on your circumstances.