Older pets typically need constant medical care. It is advisable to insure pets when they are young to avoid such hassle and boost chances that your pet will be covered for life regardless of what illness or treatment is needed. 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. It is understandable for the owner to think that a pet insurance is an additional expense to the health insurance for himself that he is still paying for. However, having a pet insurance can actually save the owner from having emergency expenses when his pet gets sick. A pet insurance is less expensive than a human health insurance. 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. The insurance company will normally tell the pet owner to wait around two weeks before claiming the policy and or even make an excess payment. One out of three pets require veterinary treatment annually, so pet insurance is an important consideration. When the cat encounters an illness, Healthy Pets will be there to help give the best treatment available. Terms of Healthy Pets cat insurance - Customers will only pay the pet insurance premium quote supplied by Healthy Pets. Either way make sure you get the coverage for basic checkups even if you opt to do most of your brushing and dental work yourself. It's always a comfort to know that things are as they should be which brings me to another point. As with all forms of pet insurance you will want to check the list of vet providers for your plan to see if you can stick with the one you have, or if it will cover you to switch if that is what you want. Medical costs for a canine with a heart problem can go as high as 1,000 or a cat with a broken leg will result to bill as steep as 300. Purchasing pet health insurance may be costly at first but this will be better than paying veterinary bills at full charge especially during multiple visits. Many animal treatments in market have been proved to be effective in prolonging the lifespan of a pet.