Pet insurance can help cover eligible veterinary costs for accidents and illnesses, depending on the policy and level of cover you select. Policies may have waiting periods, annual or condition limits, excesses, exclusions for pre-existing conditions, and different reimbursement percentages, so you may still need to pay part of the bill. Routine care such as vaccinations, dental treatment or flea prevention may be excluded or available only under optional cover. Read the Product Disclosure Statement and check with the insurer about your pet’s age, breed and medical history before buying.