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These expensive tools and procedures have helped create health-care inflation in the pet doctor world. Vet costs have risen 73% in the past five years, to $19 billion. Petshealth covers cats and dogs Pet insurance is much more common in countries such as the United Kingdom, where over 12% of the pet insurance industry. American Demographics magazine estimates that 5% of American pet owners have the insurance, up from less than 1% in 1995. Insurers have teamed with the American Kennel Club and Petco Animal Supplies to offer the insurance, while several major employers now provide the coverage as an optional employee benefit. Petshealth's Quickcare coverage for cats 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. 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. The older your animal, the more you’ll have to shell out in premiums. Some insurers don’t cover pets older than 9, while others levy a stiff surcharge. What’s changed in recent years is the state of veterinary science, as well as the economics of running a veterinary practice. Vets today can offer treatments that were unheard of just a few years ago -- and at prices that could make you howl. Consider: 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. Do insurace viciou - sog insirance vjcious.