The idea of pet insurance pet insurance has been around since the late 1800′s. The first policies were based around horses and livestock, rather than cats, dogs and such. Pet insurance started getting popular in Britain in the late 1940′s. The first pet insurance policy sold in Britain was in 1947.

Today, Britain is second only to Sweden in the number of people who cover their pets with these types of policies. The US and Canadian pet insurance market pet insurance market has been much slower to take off, but grew by a compound annual growth rate of 21% over the 2005-2009 period, according to a report from packagedfacts.com. This same report projects that growth in this industry will remain very strong over the next five years.

According to data gathered by the APPA, (American Pet Products Association), among dog owners, those who are pet insurance policy holders, is around 6.7% for pet owners who take their pet to the vet three or more times annually. In households with an income of $60K or more, the rate is 5.3%. In addition, 4.9% of those with large dogs, and 4.5% of those who spend $420 or more annually on dog-related expenses, held policies.

This means more than 90% of pet owners do not hold policies, and with medical costs rising in all areas for humans and animals alike, acquiring a policy could be a wise decision for most pet owners.

The pet insurance industry in North America includes several very large players that are also associated with already well known names in the pet care industry. Examples of these relationships are: PetPartners and the AKC (American Kennel Club); PetFirst, petfinder.com and Kroger; Trupanion and PetCo; Hartville and the ASPCA (Association For The Prevention of Cruelty To Animals). These types of business relationships come with a certain amount of built in trust, but it is always best to thoroughly check into any companies that you may be planning to do business with!

Taking proper care of the pets you are responsible for can be more than challenging at times. It can be hard to have sympathy with the dog that just threw up on your new rug, or the cat didn’t like its’ litter box and pooped in your prize flowers! They, like human babies can’t tell us what’s wrong so we have to use our best judgement as to how to effect a cure. Sometimes a home remedy will do just fine, if not pet insurance can certainly help to curb costs. What if you find a funny lump under your dogs’ belly?

Just a simple surgery to remove and biopsy the tumor can run into hundreds of dollars or more. People can be very responsible pet owners without utilizing pet insurance, but having a pet insurance policy can give pet owners a certain ‘peace of mind’ that is comforting knowing that “special member” of the family is covered, and that their budget is protected from unexpected expenses.

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There was a time when few people even considered getting insurance for their pets. Both humans and pets are very lucky because there have been many major advances in medical technology. This means there are treatments available today that weren’t possible just a few years ago. And, many people care for their animals as if they were really a part of the family. Pet insurance helps prevent against major financial burdens for those pet owners who would literally do anything and everything possible to save their beloved pet. For those who have a financial limit to what they can spend on veterinary care, a pet insurance policy can literally save a pet’s life.

The media pays more attention to advances in science that further medical care for people, but during recent years, veterinary science has advanced a lot too. Many of the treatments are are available for humans have now been implemented into pet care. There are now many advanced treatments available for pets, including blood transfusions, medication for depression, radiation therapy and organ transplants.

Not only are more extensive treatments available, but the the tests involved with diagnosis have become more advanced as well. While these measures do now catch potential problems and illnesses that would have before gone unnoticed, it also means that exam costs and the number of treatment procedures is going to increase drastically.

Advances in veterinary testing and treatment have allowed our pets to live longer and healthier lives and for us to enjoy their presence for many years. However, they are also paying a lot more, causing many to consider pet insurance when it was not considered before. Because so many people are interested in buying health insurance for their pets, some employers are starting to offer it to their employees.

Just like the health insurance for your family, most pet insurance policies have deductibles and co-payments. You may also have to provide your pet’s health history before you can get a pet insurance policy. If your pet has ongoing health issues, like a chronic illness, it will probably be considered a pre-existing condition and won’t be covered under the policy.

The price of pet health insurance will increase as your pet ages, simply because older pets tend to need more medical care. Many pet insurance companies will not write a new policy for a pet over nine years old. If they will, it will certainly cost more than a policy for a younger, healthy pet. If your pet has a lot of health problems, you may wish to weigh out whether or not you should get coverage. In these cases, though, there’s a good chance that you’ll spend that much or more at the vet if you skip the pet insurance.

When you choose to adopt a pet into your family, you are committing to taking care of him or her for their whole life. If you cannot afford to provide proper medical care for a pet, you should not own it.

In todays world, you can get insurance for almost anything you can imagine. Pet insurance is used to cover your pets medical needs to help you save money on this necessary expense. Once you have a policy in place you’ll be able to afford whatever tests and treatments your vet recommends. You will not have to worry about going ahead with that extra test or treatment, fearing that you cannot pay for it. Should any sudden emergency arise, you will not have to worry about coming up with a lot of money quickly. Some insurers will even offer theft coverage for a loved animal, meaning that if your animals is stolen, as much as you hope this will not happen, you can get paid for it.

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Your furry, beloved one is not guaranteed to always remain healthy. One good way to make sure that you won’t have to make difficult decisions in the future is to buy pet health insurance now. The right low-cost coverage can get you well prepared for the unexpected, especially if you know how to shop for it.

When you’re considering buying health insurance for your dog or cat, there are several factors that you’ll want to take into account. This is especially true if you have had a long running history with a trusted veterinarian and do not wish to have to take your business elsewhere simply because your payment method has changed. You’ll make the most of your pet insurance expense if you know what to ask ahead of time.

It is important to know which insurance your current veterinarian is able to accept. You should speak with both your veterinarian and any insurer that you might be considering. In fact, your vet may be the source of great referrals to affordable, efficient insurers that can get you what you need at a price that you can live with.

Any pre-existing condition that your dog or cat has should be discussed before you choose a provider. You need to know what will and won’t be covered if you buy an insurance policy from this company. Though general health may be covered by all plans, many policies will not pay for the continued treatment of a known condition. If at all possible, get a policy while your pet is young, before he has any health problems.

Even if you get an insurance policy before a health issue arises, there may still be a problem with a recurring or chronic condition. Some pet insurance policies only cover expenses for a certain number of visit related to one issue, even if the pet was insured before the first instance. Make sure that you find an insurance company that will offer coverage for chronic conditions. These are usually the most expensive types of problems in the long run.

Financial stability and reputation are important too. After all, you want a company that’s still going to be in business when and if you have a claim. You can try asking around if you’re not able to get a referral from a veterinarian. Friends, family and even employees at the local pet store that you frequent may be able to offer invaluable advice that will help you choose a provider that is both competent, fair and economically efficient.

Another way to find out how well a pet insurance company serves its customers is to read online reviews and ratings. This is especially true when it comes to consumer analysis of claim response. You can read these to see if a company raises the premium after a certain amount of claims are filed, or if there are other coverage issues that arise should you animal have extensive health needs.

Choosing the right pet insurance is not always easy, but it is certainly always beneficial. Your cat, dog or bird relies on you for their health care needs for their whole life. Paying a minimal fee now, will spare you the difficulty of having to sudden arrangements in the event of an unforeseen accident or illness.

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