When comparing pet insurance, look beyond the premium and check the level of cover, annual benefit limits, sub-limits, excess, reimbursement percentage and waiting periods. Read the Product Disclosure Statement (PDS) for exclusions, including pre-existing conditions, breed-related issues, dental treatment and routine care. Consider whether premiums may change as your pet gets older and whether your preferred vet accepts the insurer’s claims process. Compare quotes directly with insurers and seek clarification from the provider before choosing a policy.