Pet insurance costs vary depending on your pet’s species, breed, age, location, health history and the level of cover you choose. Policies with higher benefit limits, lower excesses or broader cover for illnesses may have higher premiums, while accident-only cover is often less expensive. Check whether the policy has waiting periods, sub-limits, exclusions and a reimbursement percentage, as these can affect the overall value and what you pay when making a claim. Compare current quotes and policy documents from insurers, and contact the provider if you need help understanding the cover.