Pet Insurance for the uninitiated is a total minefield
There are so many different policies and terms and conditions that it's probably best to decide what type of cover you want first, and then look for a policy that offers it - rather than go by price alone
The cheaper policies often only cover each condition for 12 months - so if your dog is diagnosed with a long-term illness or injury (diabetes, or a torn ligament, for instance), then once the 12 months is up, then you have to pay the rest of the bills yourself
Even policies that cover a condition "for life"; often have a maximum value for each claim - which can also leave you picking up the tab if you dog is diagnoses with a long-term illness that requires expensive ongoing treatment
Then there are the different things that policies will and won't pay for - some provide more comprehensive cover than others. Common exclusions include prescription diets, dental treatment and alternative/behavioural interventions
It is well worth reading the cover offered very carefully, and deciding whether you are happy with the restrictions/limitations of each, and only then compare the prices