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   Step 1: Know the two types: liability insurance covers damage to other people or their property; pet health insurance covers part of your dog's vet bills. Check Kibi's insurance card for what's required where you live.

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   Step 2: Liability: check the coverage limit, the deductible and that it also covers anyone walking your dog.

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   Step 3: Health: check how pre-existing conditions are defined, waiting periods, deductible, reimbursement rate, and annual or lifetime limits.

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   Step 4: Read the exclusions: hereditary conditions, dental, behavior, routine care. Ask how premiums rise with age and whether you can choose your vet.

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   Step 5: Sooner is better: the fewer health issues on record, the less a policy can exclude. Still, some policies exclude or limit hereditary or congenital conditions and have waiting periods — check before you sign.

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   Step 6: Save the policy and add the renewal date in Kibi — we'll remind you 30 and 7 days before.