Pure breeds are given higher premium by most pet care insurance companies because of their special needs, rather than cross breeds. Also, similar to human insurance policies, the older your pet is, the higher the premium for your pet. It is advised that you get a pet care insurance policy as early as possible. One of Veterinary Pet Insurance s strengths are their easy to understand procedures on how to claim their policies. In claiming policies, the pet owners just need to choose a licensed veterinarian. After the fees are paid, the pet owners just need to get the veterinary staff member to sign the receipt. Insuring a young pet will also lessen chances that it will suffer from an illness in the future, as its medical condition will be regularly monitored. Remember, most insurers do not cover pets that have an existing illness. 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. However, given the plethora of pet health insurance in the market, a pet owner will be required to carefully analyze the selections before a making clear-cut decision. Those that want to be a pet owner should now that the hobby would be expensive and require lots of time. Money will mostly be invested specially on veterinary bills but will be increased by unexpected costs such as using boarding kennels if the animal needs to be admitted in a hospital or the master cannot attend to his pet while under treatment. One also needs to think about the well-being of his/her pet, such as providing for food, vaccinations, and the maintenance of the overall health care of a pet. Pet owners get pets for different reasons, as aids for blind and deaf people, and therapy for the sick. The most common reason is companionship. However, a comprehensive pet insurance plan has more flexible coverage like paying for the services of a pet psychologist or fees to cancel a vacation. Nearly all types of pet insurance plan feature liability coverage. Under liability coverage, the pet owner will be insured if the animal inflicts bodily harm to another person or causes damage to property.