Category: pet health care

Using Multiple Pets to Find Pet Health Insurance for a Low Cost

You love your pets. They are the first things you see when you wake up in the morning. They lay at your feet while your eating breakfast, they run with you as you get your early morning exercise, they look heart broken when you leave them behind, when you get home from a long day at work they are so happy to see you that they can hardly contain their joy, they listen attentively as you rant and rave about the trails and tribulations of your day, at night they crawl into bed with you and keep the nightmares at bay while you sleep. What they don’t do is criticize you, judge you, or abandon you.

There is very little you wouldn’t do for your pets. Thats what you think almost everyday of the year but on the days you have to take them to the vet and pay the obligatory bill you have to wonder. All your cat had done was a treatment for a mild case of ear mites. And your dog had been a yearly rabies vaccination. The whole processes for both pets took less then fifteen minutes. How could it possible cost so much?

You might be able to see the benefits of pet health insurance. You might salivate at the idea of not dealing with the ginourmous vet bills you get every six months ago. You might even daydream about the day you don’t dread the financial repercussions of taking your dog or cat the vet. But right now you simply don’t think you can afford to monthly bill a pet health insurance bill would put on your budget, after all its not like having pet health insurance would make the vet bills completely disappear, more then likely you would still have to pay the office visit.

You might not think you can afford pet health insurance at the moment but dont walk away from an offer, not yet. Looking at a policy does not mean that you have to walk away from it. If you are a clever bargain shopper there are ways to find pet health insurance at a low cost.

If you have more then one pet you probably automatically qualify for a lower premium. Lots of pet health insurance companies offer multiple pet discounts. There is one little catch, a lot of the companies only offer multiple pet discounts if the pets are the same species. In other words if you have two cats that you insure you will pay a lower premium but if you have a cat and a dog lots of pet health insurance companies will consider it two completely different accounts.

Are you starting to despair? Don’t worry two much, while many companies don’t consider pets of separate species ground for a multiple pet discount a lot of those same companies have a policy that offers discounts to customers who carry more then policy with the company. The multiple policy discount usually takes about ten percent off the total bill but a good bargains shopper can find companies that offer higher discounts all they have to do is be willing to spend the time to shoe around.

Compare Pet Health Insurance in the USA

In Europe over twenty-five percent of all pet owners carry a pet health insurance policy on their pets. Approximately half of Swedens pet owners carry insurance. A recent poll of pet owners in the United States predicted that only three percent had purchased a pet health care plan. Many veterinarians feel that three percent is a very generous estimate. One of the big reasons veterinarians believe so many Europeans carry pet health insurance is because of a bill passed in 1971 that stated if a dog was considered at fault for an accident, like a car wreck, then the pet’s owner would be held responsible. This prompted many dog owners to purchase something called Third Party Liability Insurance which would pay for any damages caused by the policy holder’s pet dog.

Chances are good that if you were to ask ten of your neighbors how they felt about pet health insurance you would probably get ten very different answers.

Some pet owners are fanatical about their pets. They will except nothing but the best for their family pet, the best food, the best water, the best doggie bed, and of course the best medical treatments available. Every time it even looks like their cat or dog is about to cough or sneeze they rush the pet to the veterinarians clinic and start a fresh round of antibiotics. Because maintaining the absolute best health care available is quite expensive this type of owner is quick to purchase animal health insurance that promotes good pet medicine. At the slightest hint you are even considering purchasing pet health insurance for your pet and this over the top pet owner is shoving all sorts of flyers and brochures and applications in your hand, sometimes they even offer to call their pet health insurance rep. for you. This is fine and dandy but generally (not always) their monthly pet insurance bills are higher then you can afford.

Another owner might love their family pet just as much as the over the top owner. They might wish they could provide their pet with the very best but it simply isn’t economically possible. This pet owners advice about pet health insurance would be your own pet health insurance. Put the money you might have spent on a monthly insurance premium aside and use that to cover your pets medical needs. After all if you put aside thirty dollars a month then you’ll have enough money to cover the routine visits to the vets office plus have a little extra set aside if an emergency happens down the road. This type of insurance is called self insurance. While it sounds like a good idea there are a couple of problems. One if a medical emergency happens right away you might not have enough money on hand to cover the treatment and be forced to accept economic euthanasia for your pet. A second problem with self insurance is that its money thats just laying around, its way to easy to see it as spare cash and use it on the family vacation or as a down payment on that laptop you’ve always wanted.

If as a pet owner you decide that pet health insurance simply isnt for you or your pet you will want to check and see if your homeowners insurance covers any potential accidents caused by your pet. If a dog or cat bites somebody the bitten person can sue you and in some cases demand that the pet be euthanized. If your homeowners insurance does not cover pet mishaps you should probably give a lot of thought to purchasing pet liability insurance.

Canadas Pet Health Concerns that Benefit from Canadian Pet Health Insurance

There are two health care issues that might make Canadas pet owners consider purchasing Canadian Pet Health Insurance for their family pets. Cancer and Tularemia.

Cancer is a type of malignant tumor or growths that invade the surrounding tissues and use the bloodstream to move spread to other parts of the body. Some cancers reappear even after removal of the offending tumor. Cancer can cause that unless the tumor is removed and any remaining cancer cells properly treated. Because of improvements in veterinary care at nutritional needs family pets are living longer. As a direct result of the longer life span of family pets wore more cases of cancer are being seen.

Signs that the family pet might have cancer are abnormal swellings that continue to grow, sores are a few heel, bleeding or other discharge from body openings, the pet is having a difficult time eating and swallowing, persistent lameness, difficulty breathing, painful urination, chronic coughing, weight loss, fevers, lack of appetite, and stamina. If you notice your pet experience the any individual or combination of the symptoms you should consult your local veterinarian.

In the not so distant past cancer and pets was a virtual kiss of death. In today’s medically advanced world of veterinary medicine your pets outcome is more positive. Early detection followed by timely intervention is the most positive here for your pet’s cancer.

In some cases simple removal on the tumor is all that is required to other may any cancer cells. Some types of cancer require or surgery. The surgery has an excellent success rate with cancers that were detected early on. If your pet has a tumor that is inoperable your veterinarian might suggest radiation, chemical, or biological therapy.

Radiation therapy exposes the malignant cells to high level of radiation with the hope that the radiation will kill the cancer cells. Chemical therapy is medication design to kill the cancer cells. In particularly aggressive forms of cancer chemical and radiation therapy is used jointly. Other forms of therapies used to treat and comfort your pet when they are diagnosed with cancer are grooming, nutritional support, Soft bedding, pain management, ulcer prevention, and physical therapy. If your pet is diagnosed with cancer discuss treat to the veterinarian and call your pet health care insurance representative to find out what can be done to extend life of your pet.

On October 2, 2004 Health Canada issued an advisory about a potential health concern to dwarf and regular hamsters called Tularemia.

Tularemia is caused by a bacterial disease that is most commonly seen in wild rodents and rabbits. Although it only happens rarely Tularemia is transferable to humans causing flu like symptoms. Tularemia typically found in all muskrats, squirrels, beavers, rabbit, skunks, dear, bison, foxes, opossums, and woodchucks. Although Tularemia is seldom seen in dogs and cats can be contaminated through water, eating infected rabbits, and being bitten by contaminated ticks. The typical symptoms of Tularemia are fever, a loss of appetite, weakness, and diarrhea. If the condition is left untreated infected animals frequently died.

The typical treatment plan for pets infected with Tularemia is to first eliminate any infected ticks from your pets fur. After that the drugs Strptomycin and Gentamycin are administered for one to two weeks. Tetracycline and Chloramphencicol have also been used to treat pets diagnosed with Tularemia.

What You Need to Know About Pet Health Care Insurance

Before you purchase a pet health care insurance plan for your pet, check the list of the companies approved veterinarians to see if your veterinarian will accept the companies check.
Ask your local veterinarian what type of pet health care insurance plan would best suit your family pet. Ask your local veterinarian to read over the plan and listen to their advice. Talking to your local veterinarian will also help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable.

If you have purchased a pet that is as of yet unaltered you’ll want to look for a pet health care plan that includes neutering and spaying.

Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you’ll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.

One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian’s office/clinic.

Most pet insurance companies have “cap” or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next a broken leg will probably have a different cap then cancer treatments will for your pet. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it’ll take over the policy to be effective and how long the general wait for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill and when the check gets placed in the mail. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill.

Why you have the company representative on the phone task about any and all exclusions that might be included with your pet health care insurance plan. Specifically ask about any and all pre-existing conditions and hereditary defects that might come up later in your pet’s life. Many pet owners especially, those that have dogs, discover that hereditary defects come into their particular dogs are not covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your local veterinarian will be able to warn you about any exclusions.

If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.

Pet Health Insurance in the USA

Pet health insurance companies are hoping that someday pet owners in the United States will catch up with European pet owners. A recent poll taken of American pet owners suggested that approximately three percent of American pet owners had purchased pet health insurance for their family pet. A veterinarian who was interviewed after the survey was stunned by the results. She felt that the survey was generous. She believes that less then one percent of her patients have any health care insurance.

In Europe approximately twenty-five percent of all pet owners have some sort of pet health insurance on their pets. The numbers are even higher in Sweden where approximately fifty percent of all pet owners rely on pet health insurance to help pay their pets medical expenses.

Some experts believe that the reason so many pet owners in the United Kingdom have pet health care insurance is because of an act passed in 1971. In the United Kingdom dog owners are liable for any accident that their pet is found responsible for. This means that if a dog darts out into traffic and causes a seven car pile up the dogs owner is responsible for paying all the damages. Unwilling to dip into their own pickets to cover their pets misadventures pet owners in the United Kingdom purchase something called third party insurance. Third party insurance is a simply a liability insurance specifically geared to pet owners.

Many American pet owners dont realize that there are similar pet liability insurance plans available in the United States. Pet owners who would like to purchase pet liability insurance to cover any damages their pets might be responsible rather should be aware that certain breeds of dogs are listed as high risk insurance cases and the owners will be required to pay extra high insurance policies.

It is unclear why more pet owners in the United States dont purchase pet health insurance. One possibility is that pet owners simply dont understand exactly how expensive pet health care is. Fifteen minutes spent in a veterinarians office can sometimes cost as much as a hundred dollars. When a pet owner finds themselves facing the cost of an emergency surgery or has to take their family pet to a university hospital to have an illness treated they quickly find themselves whishing they had something to help cover the enormous vet bill. All too often pet owners who find themselves in an emergency situation are forced to euthanize their beloved pet for economic reasons.

Pet owners who are city dwellers probably feel that they dont need to worry about something like pet health insurance because they cant possibly for see when they would need it. Their pets live inside, what could possibly happen to them. What these pet owners dont realize is that illness can sometimes affect house pets the hardest because their immune systems havent had a chance to build up any resistance.

Farmers and ranchers have a very clear cut idea of how fast and accident and how expensive vet care is. Most of them would like to insure the health of their pets but there simply isnt enough extra money to afford the monthly premiums. Ranchers and farmers also tend to have a working knowledge of illnesses and injuries that lets them treat their pets on their own.

Pet Health Insurance in California

In 1849 hundreds of men made the grueling climb across the Rocky mountain range before stepping onto California’s soil. These men, who history remembers as forty-niners, came to California with dreams of striking a mother lode of gold and spending the rest of their days in the lap of luxury. Few of these forty-niners had possessions worth speaking of, just the tattered torn clothes they were wearing, a shovel, a pan specially designed to sift through river sediment, and an old mule to haul their find out of the mountains.

Over a hundred and fifty years have passed since the last forty-niner made their final trek across the Rockies with only his own voice and a cantankerous old mule named Worthless for company. In this new modern world a different type of person is journeying across the country seeking the answers to all their dreams and prayers in the warm California sunlight. Today its students, freshly armed with brand new high school diplomas and a tiny sub-compact car loaded down with expensive clothing and glamour shots, seeking not gold but rather fame under the bright lights of an acting studio. Like the fortey-niners, many of these future stars have only their CD collections and a family pet to keep them company on the long drive across the country.

What many of these Hollywood hopefuls don’t realize is the animal health branch of the California Department of Food and Agriculture has rules and regulations for bringing pets into the state. Most of the rules will involve the young pet owner to take their pet to the veterinarian for a round of shots and an exam before leaving for the land of movie stars and millionaires. The purchase of pet health care coverage can sometimes let the youngsters get the routine vet work out of the way without forcing them to dip to heavily into their savings.

Domestic cats that are infected with a contagious disease are not allowed into California. Cats are not required to have a current rabies vaccination nor do they have to have a Certificate of Veterinary Inspection before they cross the state line into California. They must have a health certificate if they are coming from an area that was under rabies quarantine. If you are coming into the state of California via airplane check with the airline about what health requirements they enforce before allowing your cat to fly. Before you leave your home town for the California shore line, ask your veterinarian what can be done to make the trip as comfortable and safe for your cat.

Just like cats the California Department of Food and Agriculture will not allow dogs that are carrying an infectious disease to cross the state line into California. Any dog over four months of age is required to a certificate stating the date of its last rabies vaccination, the type of vaccination used, the manufacturer lot number of the rabies vaccine used, and the name of the vet who gave the injection. If you are traveling by plane ask the airline about any additional health requirements your dog must meet before it is allowed to fly. The sooner you contact your airline the better.

If you are bringing a more exotic type of pet, such as a potbellied pig, into the state of California you may be required to have an entry permit.

A Comparison of Five Pet Health Insurance Plans

It doesnt matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.
At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.
An insurance plan through Pets Best Pet Insurance will cost approximately $32.00 a month ($384.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of $99,750 dollars per pet. Pets Best health insurance plans come with a $75.00 deductible. Multiple pet discounts are available. Pets Best pet health insurance does cover cancer.
Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.
ShelterCare is a pet insurance that cost pet’s owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.
A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.
PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pets cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.
None of the estimated monthly prices for these insurance companies include any extra insurances riders.
Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.
Remember to read the fine print before you sign up for a pet health insurance plan.
All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.
There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.

Rabbits; an Exotic Animal that Could Benefit from Health Insurance that Insures Pet Medical Needs

Many pet owners enjoy the company and companionship of having a pet rabbit in the house. People are attracted to the idea of house rabbits because rabbits are not only playful and fun to watch they are also very social. Rabbits tend to appeal to people who like the size and feel of cats but are put off by the aloof manners cats sometimes display, most rabbits, if handled properly, are friendly all the time. Rabbit owners need to be aware that because rabbits are so social they need to spend allot of time each and every day playing with their pet rabbit. Rabbits that do not get enough attention can become depressed. Like cats pet rabbits are low maintenance and are easily litter box trained. Rabbits chew on everything, the best way to spare your furniture is to give your pet rabbit lots and lots of chewy toys. Rabbits and young children are not a very good combination, kids habit of grabbing and running around makes rabbits nervous and they can start biting, and rabbit bites hurt. If you decide to keep your pet rabbit in the house you need to be prepared to clean the litter box on a regular basis.

Rabbits need to be taken to the veterinarian on a regular schedule for routine vaccinations and check ups. Rabbit owners who keep their rabbits in the house recommend spaying and neutering your rabbit. Pet rabbits are not known for their willingness to take medications. If you have to give your pet rabbit liquid mediation you will need to use a syringe (just the syringe not the needle) or an eye dropper. I prefer syringes because it is easier to measure the proper dosage of medication. Holding the rabbits head and neck with one hand slide the syringe into the rabbits mouth behind the teeth, Check to make sure that the tip of the syringe isn’t stuck out the other side of the mouth, point the tip of the syringe towards the rabbits throat. Depress the syringes plunger.

If your vet prescribes a medication for your rabbit that is in a pill or tablet form you are going to have to crush up the pill. Once you have crushed the pill into a powder mix it with a little bit of flavored Sustacal or Ensure until you have a watery paste. Use a syringe to administer the paste like a liquid medication.

It only takes being bitten by one mosquito for a rabbit to become infected with a severe viral disease call Myxomatosis. Most rabbits die just a few short hours after contracting the disease. The only way to treat Myxomatosis is to vaccinate your pet rabbit before it ever comes into contact with Myxomatosis. Rabbits should be vaccinated when they are six weeks old. Do not give a pregnant rabbit the vaccination; wait until her babies are born. Rabbits are still at risk for Myxomatosis for fourteen days after being vaccinated. Your pet rabbit will need booster shots.

Health problems commonly associated with rabbits are uncontrolled bleeding when injured, blood in the urine, broken bones, breathing problems, falling body temperature, and severe diarrhea. If you would like to purchase an insurance plan to help cover the cost of veterinary expenses for your pet rabbit you will probably have to look for an exotic animal policy offer by a pet health insurance company.

Care and Health Insurance for your Pet Pot Bellied Pig

There have been lots of books written about dogs like Old Yeller and Where the Red Fern Grows, Black Beauty is every girls dream horse after his memoirs were so cleverly translated, and a recent string of mystery novels featuring sleuthing cats have earned felines a place in the literary annals. Considering that isnt it interesting that some of the animal characters most people seem to remember the best are pigs. When book lovers think of pigs they smile as they remember the sweet innocence of Wilbur as he strutted around the barnyard, or they shudder with delicious distaste as they think about how George Orwell’s Napoleon ruled the farm after overthrowing the humans in Animal Farm.

Recently pigs have been finding their way into more and more homes as family pets. Many pet owners are delighted by the pigs keen intelligence and dynamic personality. Or they walk into a neat tidy barn and spot and entire litter of new piglets sleeping in a little pig heap on a bed of straw. The next thing they know they have purchased a young pot bellied pig and are taking it home.

The first mistake people often make is assuming that a pot bellied pig would make a good pet for their family is that they don’t really understand that the cuteness fades…fast. One minute they are holding a cute little piglet, the next they are looking at a short legged growing piglet with a strangely shaped skull, drooping jowls, and stiff hair.

The next mistake pet owners make when they purchase a potbellied pig is that they assume it will stay miniature sized. While it is true that the pot bellied pig is considerably smaller then its barnyard cousins pet owners need to understand that the pigs that are used for bacon and Easter hams are normally butchered at weight surpassing three hundred and fifty pounds. The full grown sows can weigh in at well over five hundred pounds.

Once you have purchased a newborn potbellied pig you need to start thinking about its health care. Pot bellied pigs need to be spayed or neutered, they need to have their feet trimmed on a regular basis, they need to have their long tusks trimmed, and they need yearly vaccinations. Purchasing a pet health plan for your new pet might help make veterinary care more affordable. If you decide to purchase a health insurance plan for your pot bellied pig make sure it is one that it will still be valid at the end of your pets life, which could bet twenty years away. If you are unable to find a pet health insurance company who is selling coverage for potbellied pigs try to get a deal through an insurance company that insure farmers valuable livestock.

In addition to health insurance pot bellied pig owners should probably consider getting some type of liability insurance in case their pot bellied pig accidentally hurts someone. For the most part pot bellied pigs are low key and amiable but once in a while you can stumble across one that gets irritated with people. Just like their larger, barnyard cousins, pot bellied pigs a re very strong they literally toss a full grown man to the side with just a little nudge of their snout.

Pennsylvanias AKC Health insurance for Pets

Throughout history most of a veterinarians clientele was farm livestock (large animals). Dogs, cats and other household pets made up such a small amount of their daily business there was very little reason to study up on it. Even the beloved European veterinarian, James Herriott, counted on the Yorkshire farmers for a majority of his country clinics business. In 1884 that began to change when the University of Pennsylvania’s veterinary school opened the United States very first clinic specializing in the veterinary needs of dogs. In 2001 the United States of America had over 28,000 veterinarians who specialize in small animals.

It is fitting that Pennsylvania opened the very first vet clinic that specialized in the veterinary needs of dogs, the state has had a long running bond with the canine population, starting with the states founders, William Penns, Great Dane. A portrait of this Great Dane standing beside his master can be seen hanging in the governors reception room of the governors mansion in Harrisburg Pennsylvania.

Pennsylvania considers the Great Dane the state dog. Owners of Great Danes appreciate the breeds faithfulness, intelligence, beauty, courage, and tolerance. Great Danes stand approximately 30-34 inches tall and weigh anywhere from 120-200 pounds, people who have Great Danes believe that the larger the dog the better. Because of their large size Great Danes are not an exceptionally long lived dog; their bodies simply arent designed to last very long. Many Great Danes suffer from heart problems, bloat, twisted intestines, and tail injuries. Some Great Danes have been diagnosed with hip dysplasia. Great Dane owners are not advised to take their Great Danes jogging until the puppy is at least one year old. Dogs featured in ancient Greek art work bear a strong resemblance to todays Great Dane. German hunters were especially impressed with the dogs ability at hunting bears and wild boars and bred the best great Danes to the best Greyhounds which helped create a leaner more agile breed.

Dog owners in the state of Pennsylvania are more then eligible to purchase pet health insurance for their dogs from the American Kennel Club. The American Kennel club estimates that the average pet owner who purchases an essential pet health care insurance plan (the essential health insurance plan is the name of the AKCs lowest health insurance policy) through them will only pay approximately sixty-eight cents per day. Pet owners who purchase pet health insurance through the American Kennel Club have four different types of health insurance plans to choose from. The American Kennel Club Insurance company is happy to include cats into its health care insurance program. The American Kennel club is so confident that pet owners will love the benefits of purchasing pet health care insurance through them that they proudly offer owners the opportunity to test drive their insurance policy free for sixty days. Pet owners who insure their pets with pet health care insurance offered by the American Kennel Club are allowed to decide if they would like to receive a monthly statement in the mail or if they would rather pay for the an entire years worth of insurance in one lump sum and then not have to worry about it for twelve months.