If you’re a pet parent, it’s understandable if trying to negotiate pet insurance options is making your head spin.

The American Veterinary Medical Association has some helpful take-aways. Along with doing your own research, get your veterinarian’s take on different companies and their plans — that is, wellness only, emergency, intensive care and so on. If your pet is older or was born with medical issues, ask companies how they define and work with pre-existing conditions. And don’t forget to ask if your premium will increase as your pet ages or if you submit a claim.

Before you sign on the dotted line, you may also consider add-ons, like dental coverage or travel insurance.

It’s a lot to take in, but you’ll rest easier knowing that you have some financial support when your pet needs it most.