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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. Currently, more than 900 companies offer 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 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. Now I’m not so sure. The policies typically have deductibles, co-pays and caps that limit how much will be paid out annually. Pre-existing problems and hereditary conditions, such as hip dysplasia in German Shepherds and retrievers, are normally excluded. A few years ago, pet insurance would have ranked right up there with policies on children and dread disease coverage on my list of insurance you don’t need to buy. 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. QuickCare Gold 100% Coverage for cats provides coverage for an unlimited number of accidents up to $2,500 per accident. QuickCare Gold also provides coverage for an unlimited number of accidents and over 6,000 illnesses with no maximum annual illness benefit restrictions. Enrollment is as early as 8 weeks of age. When you enroll your dog in QuickCare Gold before the age of 8 (age 6 for 'select' breeds), coverage continues for the rest of its life. The same $50 fixed deductible applies on all QuickCare Gold Programs. 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: The older your animal, the more you’ll have to shell out in premiums. Some insurers. Hom ownes nsurance dg - bome ownera insurajce dot.

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