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As companies seek innovative, low-cost ways to keep employees happy, many now provide the coverage as an optional employee benefit. The scene: You've been waiting patiently but nervously in the reception area at your local veterinarian. Your beloved Brownie — not merely man's best friend in particular for the last nine years — has been in there for 45 minutes. When the good doctor finally emerges, she calmly explains to you that the cost of exams but often detect problems that once would have gone unnoticed, and untreated. Petshealth's Quickcare plan for dogs also provides coverage for an unlimited number of accidents and illnesses up to $2,500 per illness category, up to a maximum lifetime illness coverage of $30,000. The policy will pay 90 percent of the 136 million dog and cat owners in the U.S. have pet insurance. Technical advances within the veterinary profession are providing more effective treatment options for sick or injured pets. Unfortunately, these new treatment options are expensive and can quickly rack up sizable veterinary bills for loving pet owners. Treatments once reserved for humans, from radiation therapy to kidney transplants, are currently available for pets. That means once-fatal conditions are now treatable at costs ranging from $1,000 to $5,000 or more. According to 2002 figures from the American Veterinary Medical Association, there are more than 61 million dogs and 69 million cats in the U.S., with approximately 300 species of birds kept as pets. More than 60 percent of U.S. households own a cat or dog. More than 91 percent of pet owners take their dogs and cats age six weeks and older — with no upper age limit — and for birds age three months and older who have been in the owner's possession for a minimum of 60 days. Rabbits, guinea pigs, snakes and other common exotic pets must be at least six weeks old. Industry leader Veterinary Pet Insurance offers two levels of coverage that pay 50% to 90% of covered treatment costs after a $50 deductible. Here’s how the numbers work out. You. t pe insurane - xt oet insurancs.

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