Essential policy: Direct Line s essential pet insurance policy covers vet's fees for a max of a 12-month treatment for each injury, illness or disease, as much as 4,000 for every condition. Claims are high compared to other policies. Advanced policy: Under Direct Line pet insurance advanced policy, vet s fees are covered as high as 6,000 per each condition. Veterinary bills will likely make up most of the spending for cats, outside of grooming and food. However, this can be compounded by unexpected costs like the use of boarding kennels if the pet owner is hospitalized cannot attend to the cat while being treated. New studies have discovered that one out of three pet owners were forced to make unscheduled visits with animal doctors over the past two years. Luckily, some insurers provide help when the pet becomes lost or is stolen. Owners can claim costs in advertising for a lost pet and a portion of the reward that will given to the finder. Owners that fail to find their lost pets might also be allowed to claim a portion of how much they originally paid for the animal. This can result in a condition as serious as heart disease! What Can Pet Dental Insurance Do For You? The simple answer to this question is everything. The strongest method to avoid diseases is prevention. If you find yourself too busy to deal with brushing your pet's teeth regularly then you can find a plan that contains coverage for routine dental care and dental work. Unlike in UK and most of Europe, pet insurance is rare in the US, as most pet owners are wary of the possible costs. A basic pet health insurance policy consists of primary veterinary services while an upgraded policy includes pet psychologists or provisions on major surgeries, for example. More comprehensive policies even cover charges of a pet psychologist or cancellations fees for a paid vacation if the pet needs immediate medical care. Recent studies indicate that one out of three pet owners made unscheduled visits to veterinarians in the past two years. Betting the health of your pet to chance is a very risky decision. It is normal that you will be very surprised on how much it costs to purchase pet medical insurance. However, the immediate cost will be considerably less compared to spending for numerous pet medical bills you incur in the future.