Health insurance provides for the costs of medical care for people, pet insurance is coverage for the veterinary costs for their pets. Pets are a significant part of the life of the owner, as over 30% of American households have pets while 55% of Canadian households have a pet whether it be a cat or dog.
Pet insurance helps to offset the rising cost of new advances in animal medicine.
Sweden has the highest level of pet insurance policies in the world, followed by Britain. Pet insurance is actually a form of property insurance, although most pet owners would not consider their pets as property. The pet insurance pays a reimbursement after the care has been administered and the claim sent. The percentage of fee coverage varies; in the UK it is usually 100%, in the US it is more often 80-90% minus the deductible. In most cases the veterinarian will require payment at the time of service with the reimbursement going to the pet owner directly from the insurance company. In cases of surgery or other high cost items the veterinarian may defer partial payment until the insurance reimbursement arrives.
Most pet insurance blogs are owned either by veterinarians, or larger more comprehensive pet websites. Dogster has a blog all about pet health and pet insurance.
by CainIV
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