Some of the differences in insurance coverage are:
Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts, or diabetes) are covered;
How the reimbursement is calculated (based on the actual vet bill, a benefit schedule, or usual and customary rates);
Whether the deductible is on a per-incident or an annual basis;
Whether there are any limits or caps applied (per incident, per year, age, or over the pet’s lifetime); and
Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year.