Acquiring a pet is a big responsibility. Financial responsibilities, as well as personal time   are maximized to be able to take care of a pet freely. Registration of the pet to the owner, as well as loads of paperwork are also a part of owning a pet.  One also needs to think about the well-being of his/her pet, such as providing for  food, vaccinations, and the maintenance of the  overall health care of a pet.

Pet owners get pets for different reasons, as aids for blind and deaf people, and therapy for the sick. The most common reason is companionship. Having a pet is a very positive experience to both the pet and the owner.   To provide maximum responsibility for these pets, owners have opted to get pet health insurance.

The owner needs to look at the needs of his pet, and find a health insurance that is fit for the demands of his pet. Breeding, type of pet, and age are the usual considerations in looking for a pet health insurance. 

Studies conducted in the past two years revealed that 75% of pet owners were forced to make unscheduled appointments with their veterinarians. What’s more disturbing is the fact that most of these pet owners did have pet health insurance and they were forced to bear the burden of costly medical bills. Unlike in UK and most of Europe, pet insurance is rare in the US, as most pet owners are wary of the possible costs. 

A basic pet health insurance policy consists of primary veterinary services while an upgraded policy includes pet psychologists or provisions on major surgeries, for example. 

More comprehensive policies even cover charges of a pet psychologist or cancellations fees for a paid vacation if the pet needs immediate medical care.  One just needs to coordinate with the insurance company to customize the policy on the needs of one’s pet. However, almost all insurance companies have a policy on liability. This will cover incidents as ones pet biting another person. 

The American Kennel Club (AKC) has partnered with PET Partners, Inc. which led to the  design of a health insurance dedicated to pet health care. The AKC Health insurance is a plan designed to provide services for pets, regardless of breed. It is a plan to help out pet owners regarding veterinary expenses and basic tests related to the welfare of ones pet.

AKC Health Insurance FYI

In AKC Health Insurance, the owner must get the policy before the pet reaches nine years of age. The coverage can be maintained provided that that the policy is continuously renewed. 

Also, one good thing about the AKC Health Insurance is that age is not a consideration when premium’s change.  The premiums to be paid are also the same regardless of the breed of the pet.  Moreover, the state where the owner lives and the breed of the pet are not considerations in AKC Health Insurance.

Like any other health insurance companies,  there are exclusions. The AKC Health Insurance has the following restrictions in their policies:

- Congenital problems

- Any illness acquired by the pet before or within 30 days from inception of the insurance

- Chronic kidney failure

- Spondylosis

- Congenital shunts

- Stenoic nares

- Soft palate resection

- H emophilia

- Von Willebrands’ disease

The AKC Health insurance is underwritten by the National Specialty Insurance Company.

The recent trend towards having pets is giving them names like their human counterparts to officially welcome them to the family. In a study by Veterinary PET Insurance, the top 10 common names of pets regardless if it is a dog, cat or bird, include Max, Bailey, Buddy, Molly, Maggie, Jake, Lucy, Daisy, Rocky and Sadie. 

These names are not just to identify them, but defines their identities as well.  However, like their human “best friends”, they need to stay healthy to be able to fully maximize their co-existence. Pet owners today have been resorting to pet insurance to pay for the trips to the veterinarian.

Due to rapid growth of the world today, pets have been especially prone to a lot of illnesses. A lot of factors exacerbate these sicknesses, which can create havoc to the expenses of the owner. Unforeseen accidents, new government mandated procedures on animal care, new shots needed by the pets are some of these factors.  Owners should be prepared, and plan ahead  for these sudden illnesses by managing their budgets to include pet health care. 

It is understandable for the owner to think that a pet insurance is an additional expense to the health insurance for himself that he is still paying for. 

However, having a pet insurance can actually save the owner from having emergency expenses when his pet gets sick. A pet insurance is less expensive than a human health insurance. Even if a company where a person is employed shoulders more than half of the insurance policy, the employee still shells out a small part for his health insurance. 

The averge cost is usually $3000. Employee shares usually range from $300 -  $500.   In acquiring a pet insurance policy, the pet owner definitely pays a lower insurance premium than that of a human insurance policy. This usually ranges to $30 - $100.

Pet insurance has been available in the market for more than 20 years. Pet owners have the responsibility to choose among the vast companies providing these types of insurance, based on the needs of their pets. 

Basic pet insurance services include mandatory services by the veterinarian, while upgraded pet insurance consists of major surgeries. In the forefront of these pet insurance companies is Veterinary Pet Insurance (VPI).

Veterinary Pet Insurance is one of the oldest and biggest pet health insurance company in the United States today. It has been providing premium pet health care services to different pets (dogs, birds, exotic pets, cats) since 1982. Services include veterinary consultations, surgeries and diagnostic exams. The company is underwritten by Veterinary Pet Insurance Company.

Some pet insurance companies do not have the proper processes to claim their pet insurance policies. One of Veterinary Pet Insurance ’s strengths are their easy to understand procedures  on how to claim their policies.

In claiming policies, the pet owners just need to choose a licensed veterinarian. After the fees are paid, the pet owners just need to get the veterinary  staff member to sign the receipt. 

This is then forwarded to Veterinary Pet Insurance for their review and evaluation. Veterinary Pet Insurance then will reimburse the fees paid directly to the veterinarian.

The second strength of Veterinary Pet Insurance is the discounts that they give when the owner gets their services for additional pets. Veterinary Pet Insurance gives 5-10% discount to pet owners when they enroll a second pet to Veterinary Pet Insurance.

Bet you thought your pet dental insurance would be covered under your pet's medical plan? Well, sometimes, but all those other times, think again! So who does that pooch think he is having two separate insurance plans? Well don't sweat it, I'm going to show you why dental insurance can be necessary for your pet and why you might want to consider getting an add-on to your existing plan if it already has it.



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Admittedly not every dog will need dental insurance. It's worth consulting with your vet to find out if your particular breed is more susceptible to any diseases. Other than that you should be aware that one of the easiest ways for an infection to spread in your pet's body is through their mouth. This can result in a condition as serious as heart disease!

What Can Pet Dental Insurance Do For You?



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The simple answer to this question is everything. The strongest method to avoid diseases is prevention. If you find yourself too busy to deal with brushing your pet's teeth regularly then you can find a plan that contains coverage for routine dental care and dental work. These two things alone could stop your pet dog from being one of the 3.2 million dogs in the U.S. that have heart disease, or one of the 15% of dogs in the U.K.

What Sort of Plan Should You Look For?

The sort of plan you should look for depends largely on the advice of your vet. Is your animal of a certain breed or a certain age where it would benefit from a high deductible in case of some sort of emergency procedure? I would venture to say if your pet isn't of a high risk and you start early enough a good plan would include good coverage for basic routine checkups. Either way make sure you get the coverage for basic checkups even if you opt to do most of your brushing and dental work yourself. It's always a comfort to know that things are as they should be which brings me to another point.

As with all forms of pet insurance you will want to check the list of vet providers for your plan to see if you can stick with the one you have, or if it will cover you to switch if that is what you want.


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So now you can see that especially if you have a dog, this is really something you should be thinking about. Pet dental insurance is absolutely necessary; some studies actually put the estimated cost of a pets teeth right alongside our own.

Pets are just similar to any valuable asset, as they need to be insured. However, given the plethora of pet health insurance in the market, a pet owner will be required to carefully analyze the selections before a making clear-cut decision. Those that want to be a pet owner should now that the hobby would be expensive and require lots of time.

Money will mostly be invested specially on veterinary bills but will be increased by unexpected costs such as using boarding kennels if the animal needs to be admitted in a hospital or the master cannot attend to his pet while under treatment.

Recent studies show that 65% of pet owners were made unscheduled visits to veterinarians in the last couple of years. Risking a pet’s health to chance is not advisable.

Pet owners become exasperated when they get hold of a very expensive veterinary bill. Medical costs for a canine with a heart problem can go as high as £1,000 or a cat with a broken leg will result to bill as steep as £300. 

Purchasing pet health insurance may be costly at first but this will be better than paying veterinary bills at full charge especially during multiple visits. Many animal treatments in market have been proved to be effective in prolonging the lifespan of a pet. This is made possible by the advances in science. 

A pet owner should consider a number of requirements before selecting a specific insurance policy. A significant number of pet health insurance companies provide various policies that put highly emphasize the age and type of pet. 

Points to ponder: 

- Insuring a mongrel is cheaper than a pedigree 

- Insuring a dog is cheaper than a cat

- Veterinary bills and minor surgeries are normally covered by a basic health insurance policy.

Comprehensive plans are more flexible and some even reimburse the bill of a pet psychologist or charges of a reservation for a dinner or vacation when the pet needs immediate medical care in the last minute. 

Liability coverage is a staple of almost all types of pet health insurance. Under this, the pet owner will be insured if the animal injures another person causes damage to private property. While it is important to study what is included in the policy, it is also critical to determine those that are absent.

Pet owners will normally be required to wait for around two weeks before claiming reimbursements and small excess payments on charges will have to be made. 

Insurance firms also take into consideration the age and present health condition of the animal. Animals considered high risk are those over the age of 8 so it is advisable to buy insurance for pets, while they are still young. Getting pet insurance early on boosts chances that the animal will be insured and well take care off during its lifespan. In addition, pets that have a lingering sickness have a very poor chance of getting insured.

Several insurance groups even have special policies for pets whenever they get lost or stole. Pet owners could be reimbursed for how much they spend on advertising for a lost pet and could also recover a portion of the animal's original price when it failed to be recovered.   

Health insurance for pets should not be taken for granted. Given its numerous benefits, pet owners should not think twice in purchasing one for their beloved household friend.

Deciding to purchase a pet should be made very carefully due to many considerations. This so-called hobby not only requires a lot of money but also lots of time and dedication considering that you are taking care of a live animal. By the time you take home your pet you need to prepare for various items such as food, vaccinations, veterinary bills and property damage.

Pet owners normally consider their pet as part of the family and its health and wellbeing should be properly taken care off. If your cat or dog becomes sick or is injured, you do not want to be burdened about the cost of medical bills. Pet medical insurance should cover the pet owner against the unexpected cost of vet’s bills.

Recent studies indicate that one out of three pet owners made unscheduled visits to veterinarians in the past two years. Betting the health of your pet to chance is a very risky decision.

It is normal that you will be very surprised on how much it costs to purchase pet medical insurance. However, the immediate cost will be considerably less compared to spending for numerous pet medical bills you incur in the future.

Before making that final decision in buying your pet medical insurance consider your requirements. Many pet medical insurance companies have various types of policy for different and types of pet. Consider this, insuring a cat will be more expensive that a dog. Insuring a mongrel will be cheaper than a pure breed animal.

Basic policies typically cover medical bills that require minor surgeries. The more comprehensive plans are more flexible. Some even covers charges of a pet psychologist or cancellation fees for a vacation in the event that the pet needs immediate treatment at the last minute.

Liability coverage is also a basic offering of pet medical insurance. This will insure the owner from situations wherein the pet harms another person or causes damage to private property. Pet owners should also study what is not included in their pet medical insurance in addition to what is included. Many pet medical insurance companies require owners to wait for a few weeks before claiming the policy. In addition, claiming a policy might also require the owner to make a small excess payment.

Pet medical insurance companies also place a huge emphasis on the age of the animal before agreeing to cover it. Animals typically considered high risk are those that are over the 8 years old. Insurers are reluctant to cover old animals, as they will likely require more medical attention.

Insuring a pet at a very young age is advisable, as this will increase chances that the animal will be covered for the rest of its life, regardless of its illness and the treatment needed.  Animals with an existing illness have a very small chance of being covered. Purchasing a pet medical insurance while the animal is young will minimize its risk should it becomes sick in the future. 

Pets are just like important assets a person owns, they can and need to be insured. However, making a decision on buying pet insurance should be carefully though off given the wide range of options available in the market. Taking care of a pet will require lots of time and money, as you have to consider various related items such as food, vaccinations and property damage. 

Surveys show that one out of three per owners have made unscheduled visits to veterinarians over the last two years. Leaving your pet’s health to chance is not a safe choice. Veterinary bills sometimes cause some pet owners to be dumbfounded, as they are very expensive. 

At first, going for pet insurance is an expensive choice but in due time the owner will realize it will save him from costs that pile up especially from veterinary bills. Advances in science have resulted to the development of many treatments that help prolong the life a pet but has also led to escalating vet bills.

A pet owner should first consider several requirements before choosing pet insurance. Many insurance companies offer different policies based on type and age of the pet. Consider this, insuring a mongrel is far cheaper than insuring a pedigree, and insuring a dog will be more expensive than a cat. 

Basic pet insurance policies normally cover veterinary bills and even minor surgeries. A comprehensive policy though can go as far as covering the service charge of a pet psychologist or costs of cancelling a planned vacation if your pet needs you at the 11th hour.

Almost all forms of pet insurance include liability coverage, which will insure the owner if the animal causes bodily harm to someone or destroys the property of a neighbour. 

In addition to studying what is included in a pet insurance policy, owners should also study what is not included. Normally a policy will require the owner to wait around two weeks after his pet has recovered from an illness before being reimbursed. Sometimes, a policy will require the owner to make a small excess payment before making a claim.

The pet’s age is also another major consideration in pet insurance. Insurers normally avoid covering animals that are over 8 years old. Older pets typically need constant medical care. It is advisable to insure pets when they are young to avoid such hassle and boost chances that your pet will be covered for life regardless of what illness or treatment is needed.

Insuring a young pet will also lessen chances that it will suffer from an illness in the future, as its medical condition will be regularly monitored. Remember, most insurers do not cover pets that have an existing illness.

Luckily, some insurers provide help when the pet becomes lost or is stolen. Owners can claim costs in advertising for a lost pet and a portion of the reward that will given to the finder. Owners that fail to find their lost pets might also be allowed to claim a portion of how much they originally paid for the animal.

Many insurers also provide discounts for a customer that insures multiple pets. Given the many benefits of pet insurance, pet lovers should not think twice in getting one for their beloved household companion.

Giving love to your pet cat and dog is not enough to call yourself a responsible pet owner. Pets do need love but they should also be entitled to the right environment, exercise, activity levels, stimulation, nutrition and health care.

Those aspiring to become pet owners should realize treating a dog and cat the right way will require a lot of money and time. A large portion of a pet budget will be allocated to vet bills and this will be made worse by other costs such as hiring pet sitters or renting a boarding kennel if the owner to needs be away from his beloved cat or dog.

Various surveys show that 75% pet owners made unscheduled visits veterinarians in the past couple of years. Risking a pet’s health to fate is not advisable as chances are your pet will become sick sometime in the future.

Getting pet insurance is one way of ensuring that your cat and dog will have a healthy and happy life. Choosing the right pet insurance can be confusing, given the wide selection of policies available in the market.

Examples of pet insurance plans

Tesco Pet Insurance

- Tesco has an array of policies, which can be tailored to the needs of the pet owner’s cat and dog.

- Tesco provides coverage for older cats and dogs even. An old pet can be insured for the rest of its life.

- Most breeds of cats and dogs are qualified for insurance. However, dogs with breeds should be enrolled before they are of 6 years old..

Terms of Healthy Pets cat insurance

- Clients will only be required to pay the pet health care insurance premium quote provided by Healthy Pets.

- No premium penalties for coverage during the succeeding year if the pet owner needs to make claims on his pet health care insurance.

- Healthy Pets’ business is restricted to pet health care insurance. The company will not market car, home or life insurance. 

- Competitive premiums and covers most variety of breeds.

Healthy Pets is the logical choice if a pet owner is looking for a health care insurance company that cares for his cat and dog. Given its extensive experience in animal insurance, Healthy Pets clearly understands what should be done in taking care of pets.  
Healthy Pets is approved by the Financial Services Authority and is underwritten by AXA Insurance UK Plc.

Petwise Insurance

Petwise offers health care insurance for pet cats and dogs. Three stages of pet health insurance coverage that can be suited to the demands of the cat and dog. Bronze policy will cover as much as Ł1,000, while the Silver and Gold policies go as high as Ł3,000 and Ł5,000 respectively.

Many pet health care insurance companies limits payments for conditions to the first year only. The Endsleigh Pet Insurance policy does not have a time limit on when the policy can be claimed and coverage of conditions. Endsleigh also offers coverage for dogs and cats that die due to an illness or injury. The original purchase price of the cat or dog can be partially reimbursed.

However, this benefit cannot be applied to dogs aged 9 years old or cats 11 years old and up. Cost to advertise a lost cat or dog can also be claimed.

Endsleigh Insurance Services also has a helpline that helps pet owners in track down the most accessible veterinary office whenever they are away from home and the animal needs immediate medical attention.