So, what do I do next?

Because there are so many things to think about when it comes to pet health insurance, it might be tempting to just do nothing and avoid the decision making altogether. This is probably not a good idea when it comes to a pet for which you have pledged your lifelong care. If you are independently wealthy, then you likely have the funds to provide the level of care you envision, but if this is not the case, then consider getting a pet health insurance policy for your pet, and do so as soon as possible, preferably by 8 weeks of age (before anything happens that would then be considered pre-existing). If your pet is older than this, do it now without further delay.
Give serious thought about what kind of coverage makes the most sense, and for many pet owners, that means seriously reflecting on issues like coverage of potential genetic and hereditary conditions, chronic care (provision of coverage beyond just the current term), and whether you want virtually all veterinary services covered or whether you would be satisfied with insurance covering accidents and illness, but paying for wellness and preventive care (e.g., vaccinations, parasite control, dental cleanings, etc.) on your own. However, the most important part is to “act” and to get pet health insurance in place as soon as possible…so that it is there when you need it. Follow the link on this site, provide some basic information that the insurers need to calculate your premium, and you’ll get an immediate quote that you can choose to accept and get your pet protected as soon as possible.