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Petshealth's Quickcare coverage for cats provides coverage for an unlimited number of accidents and coverage for over 6,000 types of accidents and coverage for over 6,000 illnesses, with no maximum annual illness benefit restrictions. Enrollment is as early as 8 weeks of age for puppies. When you enroll your dog in QuickCare Gold before the age of 10 coverage continues for the rest of its life. The same $50 fixed deductible on all QuickCare Gold Programs for dogs. 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. 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. Deductibles, exclusions and surcharges Pet insurance as an employee incentive 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 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. 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. According to 2002 figures from the American Veterinary Medical Association,. s et nsurance heath insurane dos - is let insurxnce heslth insuranve dofs.