Some things to consider when choosing a policy:
- Cover options: accident, illness or wellness(routine health checks and vaccinations are covered)
- Policy limits per year : usually $10,000- $20,000 depending on plan
- Annual claim sub limits: check for any potential limits on the amount you can claim for the one particular issue (eg $4,000 on orthopedic issues)
- Premium or excess may go up as pets get older
- Annual premiums usually vary from $250 – $550
- Age limit upon joining is usually 8 weeks to 9 yrs
- Breed exclusions for certain conditions
- Waiting periods: May be up to 6 months for orthopaedic surgeries especially cruciate surgery or require a veterinary check to remove the waiting period