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Sometimes, a policy will require the owner to make a small excess payment before making a claim. The pet s age is also another major consideration in pet insurance. Insurers normally avoid covering animals that are over 8 years old. 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. 

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. 

Many pet medical insurance companies have various types of policy for different and types of pet. Consider this, insuring a cat will be more expensive that a dog. Insuring a mongrel will be cheaper than a pure breed animal. Basic policies typically cover medical bills that require minor surgeries. The more comprehensive plans are more flexible. 

For example, an insurance for a pedigree will be more expensive compared to a mongrel, and insuring a cat will be more expensive than insuring a dog. A basic pet health insurance policy normally covers veterinary bills and minor surgeries. Comprehensive plans are more flexible, as some even pay for the charges of a pet psychologist or costs of calling off a paid vacation in the last minute if the animal needs treatment. 

The most common reason is companionship. Having a pet is a very positive experience to both the pet and the owner. To provide maximum responsibility for these pets, owners have opted to get pet health insurance. The owner needs to look at the needs of his pet, and find a health insurance that is fit for the demands of his pet. 

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.