Pets are like family members. Most people have a pet or two. In the UK, fifty percent of households have a pet. Sainsburys Pet Insurance is a way to take care of your pet's medical needs responsibly. It ensures that your pet will get the vet care that it will need in an economical fashion to the pet owner. Getting a Sainsburys pet insurance policy is a good way to protect your assets (for reasons we will come to later) and your family friend.

Dogs are in about twenty three percent of the households and cats in about twenty percent of homes in the UK. The UK reports approximately twenty three million pets and this number is not even counting fish as a pet. With a pet, a responsible owner sees a veterinarian at least annually for vaccinations. These vet care cost can be expensive.

Pet insurance is a low cost way of keeping your animal healthy and getting them the necessary care they need. As health care for humans, veterinary care can be expensive. Medications, diagnostic testing, surgeries are examples of costly procedures that may be necessary to keep your pet healthy and alive. Pet insurance can help defray the costs by paying part of it. Pet insurance typically has a monthly premium the owner will pay.

Pet insurance can cover many items of health care for your pet. For example, Sainsburys Pet Insurance offers pet owners two options of coverage. Option one offers payment for basic items such as liability and veterinary fees. Option one will pay up to three thousand pounds per condition for a maximum of one year.

There is a second option that covers more procedures, medications, behavioral problems, cremation and liability. Option two will cover up to two million pounds in liability coverage. It will also pay up to seven thousand and five hundred pounds per condition. If the policy is current and up to date on payments there is no time limit.

The cost of the insurance will vary. Rates change depending on age of pet, breed, sex and location of animal. Coverage can begin after a pet is eight weeks of age. There are some selected breeds that are covered differently in option two. These are the German Shepherd, Greyhound and Irish Wolfhound to name a few.

The United Kingdom enacted a law in 1971 that states a pet owner can be held liable for any accident caused by their animal. In other words, if your dog is chasing a vehicle and causes an accident, the owner may have to pay the damages caused by the accident. In the UK, one fourth of all homes have a pet insurance policy. The wise choice in the UK is to have a policy if you have a pet.

A smart way to protect the loving family pet and the owner is by purchasing pet insurance. This coverage is vital to the pet's well being as well as protecting the owner's assets from lawsuits. Sainsburys pet insurance is an inexpensive way to protect your family. If in the UK, it is highly recommended that the animal be covered. No one wants to go to the poor house or let all their hard earned money go down the drain when it does not have to.

You love your pet a lot and that is why you need to treat him like a member of your family. By taking out low cost pet insurance or pet plan pet insurance, you can make sure that in the event of a mishap, your pet will receive the greatest medical aid possible.

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Written by Eddie Lamb using tags: home and family pets, pet insurance, Pets, pets and animals

Although the number of pet owners in the States is on the rise, most of those owners will not obtain pet insurance; strange when you consider how attached people become to their animals and treating them like family members. We all know just how important it is to have health insurance; providing the same for our pets only seems fair.

Contrary to the belief of many, this is an important monthly or annual expense; pet owners soon learn how costly it is when they require treatment. In the last ten years there have been many areas that have seen price increases and vets are amongst them; for those people with pet insurance, they have witnessed this rise in the form of premium increases.

So other than rising costs, what are the main reasons you should consider cover for your pets. Anyone who owns a domestic animal needs to be prepared for health problems occasionally; this can happen at any time and usually when you can least afford it!

There may come a time when you have to consider the cost of medical treatment; you know that treating your animal will place financial strain on you.

It was a huge shock when the vet informed us of the cost to treat our dog some time ago; I have to admit to asking myself at the time if we could justify the expense. To make matters worse, there is always a chance you pet still won't survive; however, you will still have to pay for the cost of treatment.

The financial aspect of looking after a pet is something that must be considered carefully; this is even more relevant if you are experiencing financial difficulties. If you are experiencing money worries then raising additional finances can prove embarrassing.

You can guarantee if you have money worries then you won't pay for the proper treatment of your pet; this is assured if you have a pet insurance policy because you will not to worry how much the treatment will cost. Although pet healthcare insurance costs are rising they are not going to break the bank; plans are still affordable, especially when you consider the alternative.

Nearly all pet healthcare policies can be tailor-made to suit individual circumstances; perhaps to incorporate more than one pet on the same plan. If you are a pet owner then perhaps this article has given you something to think about; you may already be giving this subject some serious consideration.

For pet insurance facts and other options for ensuring your pet's health, choose a pet care insurance for every financial circumstances.

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Written by Geraldine Dimarco using tags: compare pet insurance, family, Home, pet care insurance, pet health insurance, pet insurance, Pets, vpi pet insurance

Pets make our lives special and more complete. They're not just animals, they are family members who need just as much love as anyone else. This love extends to more than just treats and healthy food. It also includes keeping those pets healthy no matter what the cost. To make sure that cost isn't too high, many pet owners are now buying the best pet insurance they can find. To help you choose the coverage that fits with your needs and your budget, I've put together an easy to follow process.

Finding out what your options are is always a good place to start when choosing any type of insurance. If you're not familiar at all with what is covered and what isn't covered, it's best to start by asking your friends, family, and your veterinarian what pet insurance company they know of or use. When you have a list of companies to start with, you can start compiling your own list of what you need in an insurance policy.

Have you ever purchased insurance for you and your family? If so, you'll be happy to know that the process is very similar which means you won't have to completely start from scratch. You probably even know that the real work begins when you start getting quotes. You'll want to get as many of these as possible so you can make a comparison of the coverages and prices available. Avoid the beginner mistake of going only with the lowest quote though.

Beware companies who are relatively new to the market when choosing pet insurance. Many times these companies will pop up and give you amazing quotes with promises of the best coverage around. Avoid this hype and look at experience instead. If your potential insurance provider hasn't even provided enough coverage for the lifetime of one pet, you'll want to steer clear of working with them.

One of the most essential parts of choosing pet insurance is reading the fine print. You never know what might be excluded from the coverage and it's your responsibility to find it out. In fact, it's always best to ask your potential insurance company what is excluded rather than what's included. This will help you from getting distracted by fancy offerings but neglecting important ones that could end up costing you thousands of dollars.

You'll save yourself a lot of frustration if you ask the different insurance companies what their claims process is like. When your pet is sick, the last thing you want to worry about is having to make hours worth of calls that lead nowhere. A streamlined claims process will have you getting a reimbursement in a timely fashion without loads of frustration.

To take the first step in finding the right pet insurance plan, I invite you to get a FREE, instant, no obligation quote today by visiting http://www.BestPetInsuranceQuote.info immediately to secure the best deal.

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Written by Josh LaForet using tags: animals, articles, Birds, Cats, Dogs, finance, insurance, insurance for pets, medical insurance, pet insurance, Pets, writing

You'll wish you had pet insurance ... There may come a time when you have to seriously, and urgently, consider the cost of veterinary treatment. This situation happened to me a couple of years ago when I was looking at spending four thousand dollars to save my dog. Although he is a part of my family, I did wonder at the time (I feel ashamed now), if the cost was worth it. Medical science cannot cure everything and pets are vulnerable too. However, no matter the outcome, you will still have to pay for the cost of treatment.

Keeping your pet healthy is a large financial responsibility, and these additional costs can place a person in debt. If your credit card is at its limit then often a bank loan is the only answer.

The financial aspect of looking after a pet is something that must be considered carefully. When money problems occur, temporary or otherwise, this causes further worries. If your credit card is at its limit then often a bank loan or a loan from friends or family may be the only answer.

Pet insurance is not high on most American's agenda despite tens of millions of pet owners; the reason for this remains a mystery. Generally speaking, health insurance is not something that people neglect; should we be forgiven for not caring enough about our pets then?

Although there are a large number of pet owners in the States, most do not see a reason to have pet insurance; the reason for this remains a mystery. The average American will have health insurance; so we should do the same for our pets.

So other than rising costs, what are the main reasons you should consider cover for your pets. Anyone who owns a domestic animal needs to be prepared for health problems occasionally; when this happens, the cost of treatment may even cause financial strain.

The last thing you should have to deal with is the stress over the expense of saving your animal.

Various pet health insurance options are available; perhaps to incorporate more than one pet on the same plan. Pet owners providing a health plan for their pets is not the luxury you may think it is. Perhaps the information supplied here has made things are a little clearer now and you won't delay further. Your pet's life (and your finances) may depend upon it!

Prior to thinking about selecting pet insurance, discover the facts about pet health insurance at HealthierDogs.com

categories: pet insurance,pet health insurance,pet care insurance,vpi pet insurance,compare pet insurance,cat insurance,dog insurance,dogs,cats,pets,pet,home and family,home,family

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Written by Geraldine Dimarco using tags: cat insurance, Cats, compare pet insurance, dog insurance, Dogs, family, Home, home and family, pet, pet care insurance, pet health insurance, pet insurance, Pets, vpi pet insurance

Most dog owners never consider dog insurance until they're faced with a large veterinary bill. And the fact is that you can never foresee when you'll need to seek veterinary care, or how much it will cost. Not infrequently, a visit to the vet to treat an injury or an unexpected illness can cost hundreds, or even thousands, of dollars. Ouch!

How easy would it be your dog or puppy to break his leg? It happens every day, regardless if these pets stay indoors or are allowed to roam free in the yard. And can you guess how much it will cost you out-of-pocket? The average veterinarian costs for a broken bone is around $900. The monthly premium for dog insurance is pennies compared to such an expense for medical care.

Dog Insurance Options

As with any type of insurance, dog insurance types vary from company to company. Some label their products as pet assurance, as opposed to pet insurance, but it's pretty much the same type of cover. Either way, you can expect most dog health insurance plans to provide coverage for the following:

Spaying and Neutering: As you know, all dogs (except those being professionally bred, or shown) should be de-sexed. Many dog insurance policies cover the entire cost of spaying and neutering, which is great, because those procedures cost at least a couple hundred dollars for a straightforward operation - never mind if your dog experiences expensive complications, which can happen with any surgery.

Prescription Flea Control: Most dogs remain flea-free with Frontline and similar flea control products that are available over the counter at your veterinarian (or at pet stores or online). But a few dogs have ongoing problems with fleas such that prescription flea meds may be required. Most dog health insurance plans cover these prescription flea control meds.

Annual Veterinary Examination: This is essential for all dogs, even if you think your dog is in peak health. The annual checkup can identify illness and disease before it progresses into something much worse, so that treatment can start at the earliest opportunity. Many dog insurance policies cover the annual veterinary examination costs.

Heartworm Medication: Should your dog be diagnosed with heartworms, the medication needed may also be covered by most dog insurance plans.

Lab Fees: Blood tests and other lab work should also be covered by most dog health insurance plans. Such tests may include blood work for worms, diseases, and abnormalities with pregnancy.

Teeth Cleaning: If your dog suffers periodontal disease, or you are unable to keep his teeth clean by other means, surgical teeth cleaning is often required. And because it's performed under anaesthetic, it's pretty expensive. Good news - your dog insurance should cover this, too.

Hospitalization Fees: Accidents and illnesses do have a habit of occurring when you least expect them. And they can be very expensive, as already noted. There is also the possiblity of complications of other procedures, such as de-sexing procedures or even teeth cleaning. Complications of surgery may require that your dog have blood transfusions or be monitored in intensive care. Now that's a big expense. So instead of being landed with an exorbitant vet bill, your dog insurance will cover you.

For dog insurance advice and its alternatives, choose a dog health insurance for every financial circumstances.

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Written by Geraldine Dimarco using tags: animals, cheap dog insurance, dog health insurance, dog insurance, Dogs, Home, home and family, pet care insurance, pet health insurance, pet insurance, Pets

Despite the vast number of pet owners in the U.S., a huge percentage of them, believe it or not, do not have any form of pet insurance; these animals are, however, generally considered a part of the family - a family for whom every other member has insurance. We don't hesitate to purchase health insurance for ourselves; should we be forgiven for not caring enough about our pets then?

Contrary to the belief of many, pet insurance is an important monthly expense; pet owners soon learn how costly it is when they require treatment if they haven't taken out any pet insurance. No area is immune for price increases and vets fees are no exception.

So other than rising costs, what are the main reasons you should consider cover for your pets? Anyone who owns a domestic animal needs to be prepared for health problems occasionally; this invariably happens at the worst times, financially.

When you find yourself in this predicament, a decision may have to be made; obviously this is something you would prefer to avoid especially if it is based on cost.

I remember a few years ago when the vet told me that it would cost in the vicinity of $2,500 dollars to save my dog; all I could think about at the time was whether he was worth the cost, that's awful, isn't it? Medical science cannot cure everything and pets are vulnerable too; operations on animals can go wrong sometimes.

The average person does not always consider the costs involved with owning a pet; this is even more relevant if you are experiencing financial difficulties. You may have other pressing financial commitments to attend too so raising further capital can sometimes be a problem.

Ensuring that your pet receives the treatment it requires should be every owners aim; this situation can be avoided if a pet insurance policy is set up. Although pet care insurance costs are rising they are not going to break the bank; the average monthly premium will be less than forty dollars. And there are other options that can be paid yearly and are even less expensive - as little as one hundred dollars a year.

Various pet insurance options are available, including vpi pet insurance among several others. If you have more than one pet, discounts are often available should you decide to place all your pets on the one policy. All pet owners should think carefully about what type of pet health insurance provision they have made for their pet; do not leave it until it is too late!

Discover more about the kinds of pet insurance choices that are available. You may be pleasantly surprised by the variety of reasonably priced pet insurance plans there are.

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Written by Geraldine Dimarco using tags: cat insurance, dog, dog insurance, Dogs, family, Home, home and family, pet, pet care insurance, pet health insurance, pet insurance, Pets

If you have been considering which pet health insurance company is right for you, consider this: Today's veterinary medicine is able to treat an ever-growing list of serious pet ailments including surgeries for accidents and chemo-therapy for cancer. If your dog or cat were to fall ill, would you be able to pay for these costly medical procedures? Many families can not and that is why they are eager to find a pet health insurance company that can help them when the time comes so they don't end up having to say goodbye to their beloved pet for purely financial reasons.

Clearly, if you regard your pet as a family member, you don't want to ever be in the situation where deciding to save your pet's life is impossible due to financial constraints. Nor do you want to go broke paying for medical treatment. With so many pricey medical options these days, many people find themselves offered treatment at the vet for extending their pet's life, only to be in a position where they're not able to pay for it.

Medical Care For Pets Can Be Expensive

Most likely, you already have medical insurance for the human members of your family. In a similar vein, you want to have vet insurance for your pets. Pet health insurance has been around for years, and there are many pet health insurance companies to choose from. As medical care has become more expensive, you can't always expect to be able to give your pet the best treatment with out-of-pocket payments. With pet health insurance, you can be sure the top-of-the-line care is always available to your pet, without worrying that you won't be able to afford it.

When choosing pet care health insurance plans you need to look very carefully because today many insurance providers have a number of restrictions that you have to be aware of. The last thing you want is to be surprised by a big medical bill that you are responsible for because your insurance didn't cover it.

Before you sign on the dotted line with any policy, make sure you have read it through so you understand what you are getting. Talk to a customer service representative if you are unclear about what you are getting.

Think about what you are going to use your pet's veterinarian coverage for. If you plan to use it for routine care, you may end up paying quite a bit more for premiums. Reserving pet insurance for just the big emergency type expenses will help keep your costs down, but give you the peace of mind you're looking for when it comes to your dog's health.

Also, I hope this doesn't burst your bubble, but your pet has to be healthy before you can sign up for pet insurance. If you just got a diagnosis of feline leukemia for your cat, don't think that you're going to be able to sign up for pet insurance and have them cover those costs. You may be able to get an insurance policy of some kind, if your pet is already ill, but most likely it will note that any expenses related to the known condition are exempt from being reimbursed by the insurer.

If your pet does get seriously ill or injured, medical treatments can be very expensive. Pet health insurance allows you to affordably take care of your pet should the worst occur.

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• COBRA premium reduction I'm going to divert from my usual ramblings and talk about the staggering (to me, at least) implications of the COBRA premium reduction. First of all, what is COBRA?  From Wikipedia:  "The Consolidated Omnibus Budget Reconciliation Act of 1985... is a law passed by the U.S. Congress and signed......

Written by Spencer Davies using tags: c, cheapest pet insurance, d, dog insurance, Dogs, e, f, family, h, home & family, o, P, pet, pet health insurance, pet insurance, pet insurance companies, pet insurance company, Pets, pets_and_animals, v, vet insurance

People all over the world regard their animals as family members. They could keep small creatures, or 100 pound Labs. These pets can expect the same treatment as their human companions; even down to their pet health care plan.

According to recent polls, pet health care spending has risen over 40% in the last two years to roughly $10 billion dollars. According to the founder of Pet's Best Insurance, Jack Stephens, over $2 million of that was spent on pet insurance. By all accounts, that number is expected to top $1 billion by 2011 which makes pet health insurance one of the fastest growing insurance products on the market today.

These pet insurance plans can be very straightforward or complicated, depending on your needs. While most often taken out on the family dog or cat, they are available for almost all pets and livestock.

Like any insurance, you don't know when you're going to need it. Unfortunately with animals, if they end up having surgery the costs can spiral so quickly. Equally, pedigree dogs are more prone to certain conditions.

The ASPCA has noticed a surge in the number of people contacting their office in recent months. Well meaning owners who simply can no longer afford the often veterinary care that their pets require.

Generally, pet insurance cover bills due to injuries and illnesses. They also cover preventative care and vaccinations. Some plans will also cover a portion of obedience training costs and flea/tick medications.

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.

You must be aware of the terms of each policy though, and not shop purely based on price. This is an important family member, and adequate coverage should be your first goal.

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 the life altering choice between euthanasia and an expensive medical treatment is never easy. According to Wallace Sife, who has counseled hundreds of guilt filled pet owners as founder of the Association for Pet Loss and Bereavement, "There is no right answer."

There is no hard and fast advice on what to do when a pet needs emergency care. It does appear, however, that pet insurance is the financial cure, though it may end up making the emotional decision a little 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.

• Types Of Talking Dog Collars by Moses Wright A fun novelty item for dog owners is a talking dog collar. Some dog owners enjoy surprising their friends with their talking dog. The Hound Bytes talking collars are activated by the use of a remote control. The Hound Bytes talking dog collar comes with a collection......
• Do You Know Why Does Dogtraining Matter So Much For Your Puppy? As a dog owner, you have the duty to train your dog and teach him new things. A trained dog is always happy, because he knows how to make you trust him. Love alone isn't enough for the health and well being of your pet. He needs to understand......
• Cat Urinary Infection - Naughty Urine Behavior Hides Painful Illness by Kate Rieger Are you thinking your cat's odd potty behavior is related to a feline urinary infection? You could be on to the real problem. Cats are amazing creatures. When they are ill they just deal with it. Now they may display some abnormal litter box behavior, but we......
• Lhasa Apso Dogs - Expert Free Tips by Troy Wade A Lhasa Apso dog is a wonderful companion and certainly an extremely important member of the family. They give unconditional love and expect nothing in return except love and attention. We can certainly learn a lot from our dogs can't we? Your pet greets you with excitement,......

• Unemployment Banned in District of Columbia? To be honest, Mr. ToughMoneyLove hasn't fully made up his mind about all aspects of Obama Care. One thing for sure that I don't like is the way that the plan will explode the federal health care bureaucracy. I suppose you could call it the District of Columbia Full Employment......
• Massachusetts' Universal Health Care Plan I have been following the new health insurance changes in Massachusetts, and I really hope it is a success. You can read about the changes in the New York Times here and here. Massachusetts' Plan In Massachusetts, they have made it mandatory for everyone to have health insurance. As a......
• Health Insurance: A Brief Overview While many of us are fortunate enough to have a job that comes with benefits, including company-subsidized health insurance, there are many of us who work in non-traditional jobs, for small businesses, or who are self employed. For everyone, no matter the status of their employment, health insurance is a......
• The Best Way To Get Family Health Insurance There’s a need for health insurance of all kinds but one of the most serious types of affordable health insurance that you can get is family health insurance. It’s one thing to pick what you think you want and need when you’re dealing with health insurance for yourself or a......

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

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.

• Why It's Important To Choose The Right Animal Hospital For Your Pet by Diane W. Forester In this article, we'll look at why it's important to choose the right animal hospital for your pet and what criteria you may want to base this important decision on. When you have an idea of what to look for and what kind of questions to......
• Horse Hoof Myths by Amy P. Cunningham There is an old saying among older horsemen, about the color of horse's hooves and the resulting worth of the horse in question. It goes like this: "One white foot buy him. "Two white feet, try him. "Three white feet, look well about him. "Four white......
• Urns for Pets Ashes and Cremation Urns by Pete Woods When shopping for pet urns you will find a large selection online. Pet urns are made from many materials. Most urns are made from the following materials, stone, metal wood or ceramics or a combination of many materials. Often metal urns will be a simple vase or......
• What To Look For In An Animal Hospital: London ON If you are looking at an animal hospital London On has enough of a variety that you should be able to find what you need. If you judge each of these animal hospitals on the same basis you will be able to quickly decide which is best for you......

• Real choice in health care There's so much confusion out there about health care reform, and it's all to the detriment of consumers. For one thing, the very phrase "health care reform" is a misnomer. What we really mean when we talk about health care reform is "health insurance reform," because the real problem with......
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• The Pros and Cons of Universal Health Care in the United States  This is a follow-up to my series last year, Universal Healthcare Week.  My posts on the pros and cons of a universal health care system continue to be popular pages on Weakonomics so I thought I'd touch on the subject again.  For a quick refresh, universal health care is a......
• Drive-Thru Health Care According to the CDC, almost 44 million Americans do not have health insurance. That''s 44 million people who have to pay out of pocket for their health care. However, basic health care is becoming more affordable because of walk-in clinics. Wanted: Health Insurance 44 million Americans lack health insurance. Unfortunately,......

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