Pet insurance is for protecting yourself against the high cost of trips to the veterinarian if your pet(s) get sick or hurt (accident).  This type of insurance is becoming ever more popular because ever increasing medical expenses involved with treating a pet.  Some policies offer life insurance for pets as well as theft insurance.   Below are tips and other good tidbits to know about insurance for your friend.

• Your employer may offer pet insurance.  If they do offer it, its usually on optional benefit you’ll have to elect.  Its worth looking into as you may have access to a competitive group rate.
• Understand and research what the most common ailments your pet could encounter and the costs for these treatments.  Talk with your veterinarian about this so you get an idea what pet coverage you should look for specifically.  Your vet may also provide you with a recommendation for a pet insurance company/policy.
• You’ll have an easier time finding pet insurance for a younger pet.  Many insurance providers won’t consider an older pet.  Start looking for the pet insurance coverage or soon as the pet is born if possible.
• If your pet has a pre-existing condition it will be tough to find insurance coverage.  So if you can’t get insurance look for a good discount program.  Your veterinarian is a good resource on advice in this matter as well.
• The breed  can have an effect on whether your pet is insurable and what the premiums are.  If they aren’t or the premiums are out of hand look at discount programs.  Some vet hospitals have wellness programs that may be beneficial in this regard.
• Discounts are usually available for insuring multiple pets.  Discounts are often available for spade or neutered pet as well.
• Choose a pet insurance company that is financially solid and has experience in serving the veterinary field.
• Look into each policy your considering closely and ask the insurance company things like: do they require medical exams to keep up coverage, are there dollar limitations on certain ailments, what conditions aren’t covered, and are preventative vet visits/procedures covered?