When comparing pet insurance quotes, look beyond the premium and check the reimbursement percentage, excess, annual benefit limits, waiting periods and exclusions. Pay close attention to how each policy treats pre-existing conditions, hereditary or breed-related problems, dental care and routine treatments such as vaccinations. Your pet’s age, breed, location and health history can affect both availability and pricing, so quotes are individual and not guaranteed. Read the insurer’s Product Disclosure Statement (PDS) and confirm key details directly with the insurer before choosing a policy.