Compare policies by checking cover for accidents, illness, hereditary conditions, dental treatment and specialist care, rather than focusing only on the premium. Read the Product Disclosure Statement for waiting periods, exclusions, annual limits, sub-limits, excesses and how pre-existing conditions are treated. Ask whether your preferred vet can be used and how claims are paid, as some policies reimburse a percentage while others apply fixed benefits. Confirm the details and suitability with the insurer or a licensed insurance professional before buying, because cover and costs depend on your pet and the policy.