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Despite this growth, however, only 1 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. The plans are available in both payroll and non-payroll deduction forms, and offer additional discounts for multiple pets. The savings provide an extra benefit for pet-owning employees to help protect their pets. "It's great to see so many companies recognize the importance of adding new benefits like pet insurance for their dog and that such coverage cost about $375 per year. Suddenly, it occurs to you that the cost of insuring a pet is pretty reasonable. You're not alone. By some accounts, the U.S. market for pet insurance has existed for decades. However, a change in market strategy has finally started to penetrate this market as pet insurance companies move from having veterinarians sell insurance to advertising insurance directly to consumers. 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 insurance market, had gross sales of $100 million last year. Deductibles, exclusions and surcharges 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. 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. Pet insurance as an employee incentive 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. VPI is the nation's oldest and largest licensed health insurance. Dg walkng liabiliy insurace - Dkg walkjng liabiliry insurancs.