Most Americans treat their pets as members of the family. No matter if someone has a fluffy four-legged creature or a slithery reptilian companion, they will demand similar services for their pets as they do for themselves " and for an every growing number of people, that includes a pet care plan.

Pet health insurance is one of the fastest growing lines of insurance offered today. This market is expected to top $1 billion dollars by 2011. Jack Stephens, founder of Pet's Best Insurance, pet health care costs have soared over 40% in the last to years totaling $10 billion dollars. Only about $250 million of this however was spent on health insurance.

Pet health insurance is a health insurance policy for your pet. This could be almost any animal, but most often is a dog or cat. Much like human insurance, you can choose a policy as simple or elaborate as you need.

Like all insurance plans, you always hope you don't need the coverage. But often when dealing with pets, the need is sudden. And, if surgery or emergency treatment is needed, the cost can often soar into the thousands of dollars. Even purebred or pedigreed animals aren't safe from this fact, and they often have more genetic troubles.

In recent months, the ASPCA has noticed a significant increase in the number of people calling it who simply cannot afford the routine health care that their animal requires.

Pet care plans generally covers vet bills that arise from illnesses and injuries. Many plans also offer preventative care, and liability coverage in case your pet damages someones property or person.

These plans also cover micro chipping to help locate a lost pet and some will even cover the cost of advertising and rewards to help locate your lost pet. Some even offer travel reimbursement if a trip is cut short due to a pet related cancellation.

When selecting a policy, it is vital that pet owners check the terms and conditions that apply, rather than being swayed simply by price.

Pet health insurance is becoming more common every day. It's a great feeling knowing that your pet will be taken care of no matter what sort of emergency comes up.

Making a choice between expensive health care for a pet or ending the life of that animal companion is never easy. Wallace Sife, who as founder of the Association for Pet Loss and Bereavement has counseled hundreds of guilt-racked pet owners, said, "There is no right answer."

This means there is no hard or fast rule when your pet needs costly care. Will it can not take away the trauma of the situation, a pet insurance plan can be the financial cure and ultimately make the emotional decision a bit easier.

These are the basics behind this issue, and it is important to do your research so you know exactly what you are covered for and how much this will cost. A simple internet search should yield a variety of insurance providers, and you should compare their websites to see which gives you the best deal. Do not just go for the cheapest option - make sure that your pet is covered so that you will be prepared and looked after if anything does go wrong with their health.

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Written by Dr. Sherry Timmerson DVM using tags: Cats, Dogs, Pet Care, pet health care, pet insurance, Pets