Pet owners only need to: - Visit a licensed veterinarian or specialist. - Pay the fees for every visit. - Request a veterinary staff member to list the pet s diagnosis. - The original veterinary invoice must be signed and mailed to VPI. VPI will reimburse payments directly made to the veterinarian and the policy will be adjusted. Animals typically considered high risk are those that are over the 8 years old. Insurers are reluctant to cover old animals, as they will likely require more medical attention. Insuring a pet at a very young age is advisable, as this will increase chances that the animal will be covered for the rest of its life, regardless of its illness and the treatment needed. While it is important to study what is included in the policy, it is also critical to determine those that are absent. Pet owners will normally be required to wait for around two weeks before claiming reimbursements and small excess payments on charges will have to be made. Insurance firms also take into consideration the age and present health condition of the animal. The average cat owner exhausts an average of 476 annually. Expenses include food, bedding, toys and most of important of all veterinary bills. In total, costs for taking of a cat reach as high as 4bn every year. Recent trends reveal a sharp rise in pet owners buying insurance for their cats to cover cattery costs, veterinary bills and the expenses to advertise for a lost pet. As with human insurance care, pharmaceutical companies give out free samples to see if their products work. Check with your veterinarian if there are free samples. 5) Diet. Same with humans, it is less expensive for pets if their weight is considered as healthy, rather than being underweight or overweight. This kind of insurance can cover the expenses associated with these types of incidents. This can pay for the treatment of the victim and can also give due compensation when needed. In case due to unfortunate circumstances the victim died because of the injuries caused by your pet then with liability insurance the compensation can be paid without you worrying about the impact to your finances.