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The policy will pay 90 percent of the plan's Benefit Schedule Allowance for eligible expenses, per incident, during each policy term after the deductible for eligible expenses. Two accident and illness plans are offered for dogs and cats to the veterinarian for vaccination and preventive care. In addition, avian care is increasing. In 1991, consumers spent $37.7 million on veterinary medical expenditures for birds, increasing to $140 million by 2002. The policies typically have deductibles, co-pays and caps that limit how much will be paid out annually. According to "USA Today," 30 percent of Americans have taken time off work to stay at home with a sick pet. This illustrates how strong the animal-human bond has become and how much people cherish their pets. "When we added the Veterinary Pet Insurance plan as a benefit, our employees were pleased that this was offered to them," said Brian Clelland, director of benefits and administration for the Los Angeles Unified School District. The plans are available for dogs and cats, and while both provide the same coverage and carry the same per incident deductible, they differ in benefit schedule allowances, the maximum amount allowed per year and premium amounts. VPI's premiums are the same whether the animal is a show pet, a guard dog, or a Seeing Eye dog. An enterprising group of students won the 2003 Annual Wharton School Business Plan Competition, not with a technology plan or a biotech venture, but with a simple business plan highlighting the large opportunity for growth that exists in the pet doctor world. Vet costs have risen 73% in the past five years, to $19 billion. As companies seek innovative, low-cost ways to keep employees happy, many now provide the additional perk of health insurance for pets. A new program from VPI helps pet owners obtain sophisticated veterinary treatment, with a group discount on Veterinary Pet Insurance plans. VPI plans are available for dogs and cats, and while both provide the same coverage and carry the same per incident deductible, they differ in benefit schedule allowances, the maximum amount allowed. are isurance et u - Cage insurabce per uw.

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