Compare policies by checking what is covered, including accidents, illnesses, hereditary conditions, dental care and routine treatments, rather than focusing only on the premium. Read the Product Disclosure Statement (PDS) for waiting periods, exclusions, pre-existing condition rules, annual limits, excesses and reimbursement percentages. Check whether premiums can change as your pet ages and whether the policy has sub-limits that could affect a large claim. The insurer ultimately decides eligibility and claim outcomes under its policy terms, so contact it directly if you need clarification before purchasing.