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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a dispute to AFCA about them.

• Comprehensive policies are covered for most conditions, with a few exclusions.
• Limited policies are only covered for the conditions specified by the insurer.

Insurer won't cover animals younger than this.

The insurer won't sell a new policy for animals older than this.

The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.

Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 vet bill, you pay $200 (plus excess) and the insurer pays the rest. Choosing a lower benefit percentage will typically reduce your premium, but leave you more out of pocket when you make a claim.

The cost to make a claim. Typically choosing a higher excess will reduce your premium.

Vet costs to treat accidental injuries.

Vet costs to treat illnesses.

Cover for vet consultation costs.

Cover for out-of-hours consults, when recommended by a vet.

Pet insurance doesn't cover pre-existing conditions by default, but you can sometimes get cover by serving a waiting period and making an application to the insurer.

Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.

Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.

Benefit if your pet is lost, stolen or runs away.

The cost of putting your pet down, where necessary.

Cover when you are responsible for injury, damage or death caused by your pet

Some insurers offer telehealth vet services as an added benefit.

Vet costs to treat cancer.

Vet costs to treat behavioural conditions.

Vet costs to treat BOAS and related conditions.

Vet costs to treat allergic reactions.

Vet costs to treat conditions affecting the cruciate ligaments.

Vet cost to treat conditions affecting the teeth, gums and mouth.

Vet costs to treat conditions affecting the ears.

Vet costs to treat conditions affecting the eye.

Vet costs to treat your pet after it swallows something it shouldn't.

Vet costs to treat heart disease.

Vet costs to treat IVDD, a spinal condition that affects cats and dogs.

Vet costs to treat inherited conditions, particularly those specific to the pet's breed.

Vet costs to treat joint conditions, such as arthritis and dysplasia.

Vet costs to treat orthopaedic conditions, including bone fracture.

Vet costs to treat patella luxation, a dislocation of the kneecap.

Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.

Vet costs to treat internal or external parasite infection. Many insurers cover tick paralysis, but may exclude other conditions caused by ticks.

Vet costs to treat skin conditions.

Vet costs to treat conditions that have a commonly available vaccine.

Vet costs to treat snakebite toxicity.