Health insurance for our pets is an option growing in attractiveness to many owners of our canine and feline friends, especially because most consider their pet a full-fledged family member. More policies have been sold in the last year and a half than in the last 20 years, with the average monthly cost being between $9 and $25.

Some newer policies cover regular check-ups and routine care. You may not consider this to be a benefit seeing that the routine care that is covered usually costs less than the insurance premiums. Economically, pet insurance that covers unexpected, expensive health care costs make better sense. You have to as yourself some pretty grave pet health questions. For instance, if you had to pay out of your own pocket, would you seek treatment of internal injuries from an accident? Would you pay for needed cancer treatment or treatment for other diseases? What if your dog has hip dysplasia? Odds are, your pet will never need such care, but if he does, you might welcome the coverage when faced with a $5,000 bill. Other pet health questions to ask: Would I be able to afford a sequence of treatments that might add up that high? Would I feel forced to euthanize my pet if I could not come up with the money to pay? To some it is not an option.

Once you have considered these questions it will help you decide if you are going to purchase pet insurance. Deciding to purchase a health insurance policy for your pet may not be an easy decision. In many cases, preexisting medical conditions are typically excluded from coverage. Many companies that sell the policies in the past have gone out of business leaving policyholders hanging. If you decide to purchase a policy, make sure you are familiar with the fine print explaining what is covered and

Most companies start policies at age 6-8 weeks, some have no age limit, and of the others I researched, one had a limit of 27 years, others had a limit of 8 years of age (if the animal was insured when less than 8 years, coverage would continue beyond 8 years). The current overall average for annual deductibles is around $100.00. The policy costs vary, depending on the animal and the different packages that owners can choose. Some packages are comprehensive, including such things as: annual checkups and vaccinations, routine care, preventive medications (like heartworm preventive supplements) and spay/neuter surgeries. Other plans cover only accident and illness. Most plans offer immediate coverage for accident claims, and 30 days for illness claims on new policies. Additional pets are usually covered at a reduced rate after the first policy-holding pet.

So you thought the hardest part to purchasing a pet was going to be choosing the one you would take home! Well now you know that being owning a pet has all the responsibilities of having a baby. It is important that people understand before becoming pet owners there is more to it than keeping their fur flea free, purchasing treats and pet products, like collars and toys and catering to the nutrition diet or diets of your puppies or kittens. There can be serious ramifications if you take pet ownership lightly.

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Teresa Schahczinski is a frequent contributor to Pet Health and Supples. For more tips on maintaing your pet's health visit http://www.PetHealthandSupplies.com
About the Author

Teresa Schahczinski is a successful writer publishing articles on Pet Health, Pet Supplies, Pet Beds, Pet Medications and Pet Products.