If you own a dog, cat or parrot, you will inevitably have to take them to a veterinarian, and probably on a fairly regular basis. Pet health insurance policies are similar to human health insurance policies. They include annual premiums, deductibles, co-pays and caps. The cost of coverage is based on the animal’s age, health profile and the level of care the owner chooses to buy. Generally, the older the animal the higher the annual premium will be. There may also be exclusions for pre-existing conditions, and some will deny coverage to certain breeds such as German Shepherds and setters, which are prone to hereditary conditions such as hip dysplasia.
Policies are available for all types of animals including dogs, cats, rabbits, ferrets, exotic birds, reptiles such as iguanas, potbelly pigs and various rodents.