Pet health insurance is considered a necessity by some people and a whim by others. The truth is that in the situation when millions of Americans have no health insurance coverage, it sounds paradoxical that some would go to the length of insuring their pets. Nevertheless, in many cases, pet health insurance makes the only chance for medical treatment and even survival if the animal suffers from some severe problem.

Things have changed a lot in the industry ever since the costs of pet health insurance have stopped being so prohibitive. People can now choose various types of pet health insurance covering disease control and treatment, preventive care, emergency interventions and even surgery. The pet health insurance system is similar to that of human policies: there are annual premiums, coverage plans and deductibles.

You can create a pet health insurance when your animal friend is between six or eight weeks of age, and there are some age limits. Some have a 8 year limit while others can extend up to 27 years of age. Normally, if there has been coverage before the age of 8, the animal will have coverage after this age too. Animals with terminal diseases and current conditions may not be acceptable for pet health insurance. In certain situations, the insurer may provide coverage if the pet’s condition is controlled and stable.

The owner normally chooses from several packages depending on the type of animal and its specificity. It is based on such ideas as well as on the package content that the monthly or yearly premiums are designed. From the services covered by a regular policy we ought to mention vaccinations, preventive medication, annual checkups, routine care procedures and even spray surgeries. There are also pet health insurance policies for illness and accident. There is no waiting period for the coverage in accident claims.

If you can’t afford to pay for pet health insurance, you can take care of your pet’s health by working with humanitarian associations and non-profit organizations that offer health checkups and even emergency assistance. You can make 25% savings on veterinarian services if you work with programs like Pet Assure. They also provide other pet services and supplies for which you can even get a 50% discount. This could be a solution to take into consideration!