First home buyers should check whether a pet policy covers accidents, illnesses, eligible medicines and specialist treatment, as well as its limits, excesses and waiting periods. Read the exclusions carefully, particularly for pre-existing conditions, routine care, dental treatment and breed-related issues. Pet insurance is separate from home insurance, which generally does not cover your pet’s veterinary bills, although some home policies may include limited liability cover for damage or injury caused by a pet. Compare policies and confirm the details with the insurer before deciding, especially if your move changes your address or household circumstances.