Pet insurance benefits can come as a big relief to people facing unexpected or exorbitant veterinary expenses, but individual pet-insurance policies differ from one to the next. Like medical insurance for people, many pet-insurance policies cover accidents and injuries, and they exclude costs related to serious illnesses or hereditary conditions. It's also key to note that many pet insurance policies require policyholders to pay up front and then file for a reimbursement. Wellness plans that include routine checkups or dental care often are not part of pet insurance policies. Some carriers, however, offer wellness plans as an add-on service or maintain partnerships with pet-wellness plan providers. Comparing pet insurance plans and benefits is a task that may escape busy consumers. That's where insurance professionals come in. Insurance agents and brokers who stay abreast of the brisk pet-insurance market can underscore their value as trusted advisors by talking with clients about the different coverages that can help protect their animal family. The slideshow above illustrates some of the benefits available across various pet insurance products, as outlined by Forbes Advisor. Potential policyholders must note that different plans cater to different animal needs.