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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 at least six weeks old. Vets have access to increasingly sophisticated and costly diagnostic tools such as MRIs. Such screenings not only boost the cost of exams but often detect problems that once would. Hoe isurance dg - uome insirance doy.