What is Pet Health Insurance Pet health insurance isn't much like the health insurance we're used to. As for regular health insurance, in many cases the person receiving health care does not see the costs of their health care because the health care provider bills the insurance company directly. However, pet health insurance is different in that no pet health insurance provider in the US pays the pet health care provider directly, instead you submit your claims to the insurer and receive reimbursement for your expenses . Additionally, pet health insurance is drastically cheaper than human health insurance as the top portion of veterinary costs, while increasing, are significantly lower than human health care. The purpose of pet health insurance is to eliminate or reduce the final cost of veterinary care. for your pets. Even if the pet owner has to pay up front, compensation payments from the insurance company are usually quite quick, so if the pet owner does not have enough cash, he can theoretically credit it to his credit card or work out a payment plan with your vet. the clinic first and once you receive payment, pay off any loan balance. It is important to remember that pet health insurance is not some kind of discount plan that guarantees you will save money. Most pet health insurance contract holders will actually lose money in the long run, if this were not the case there would be no companies offering pet health insurance. However, what pet health insurance does or at least should provide to all subscribers is the peace of mind of knowing that the cost of veterinary care will not be a factor in deciding whether or not to continue the life of a beloved pet. ..... half of the card ...... due to hereditary factors. Interestingly, the Gold plan also provides reimbursement for vacation cancellation (up to $1,000) due to pet illness, death benefit (up to $1,000) due to accident or illness, loss due to theft or misplacement (up to $500), lost pet advertisement and reward (up to $500), and boarding/kennel fees (up to $500) if the owner is hospitalized. However, the monthly premium on this Gold plan is reduced to about $23 if the copay is set at 20%, the deductible is set at $200. As with other forms of casualty insurance, the deductible has a large effect on the cost of prizes. After reviewing various quotes and policies, the most affordable type of pet health insurance, in my opinion, is one with a moderate deductible ($200-$500), high annual coverage limits, and extensive illness coverage ( including congenital ones) and accidents..