There are a few key factors to consider when choosing the right pet insurance plan:-

1. Coverage: Make sure the policy covers the types of treatment you are most likely to need, such as surgeries, medications, and preventive care. Look for a policy with few exclusions, such as pre-existing conditions or certain breeds.
2. Deductibles: Consider the annual deductible and whether it is a per-incident or per-condition deductible. A higher deductible may result in lower premiums, but it will also mean higher out-of-pocket costs when you need to file a claim.
3. Reimbursement: Look for a policy that offers a high reimbursement percentage, as this will reduce your out-of-pocket costs.
4. Customer service: Choose a company with good customer service, as you may need to contact them frequently if your pet becomes ill or injured.

To save money on pet insurance, you may want to consider the following:

1. Shop around: Compare policies from multiple companies to find the best deal.
2. Choose a higher deductible: A higher deductible can result in lower premiums. Just make sure you are prepared to pay the deductible if you need to file a claim.
3. Look for discounts: Some insurance companies offer discounts for insuring multiple pets, or for having a healthy pet.
4. Consider a wellness plan: A wellness plan covers preventive care, such as vaccinations and annual check-ups. This may be a more cost-effective option if your pet is generally healthy and you are mainly concerned about covering unexpected medical expenses.
5. Get quotes from a variety of sources: In addition to pet insurance companies, you can also check with your veterinarian or a local animal welfare organization to see if they offer any insurance options or discounts.