It is understandable for the owner to think that a pet insurance is an additional expense to the health insurance for himself that he is still paying for. However, having a pet insurance can actually save the owner from having emergency expenses when his pet gets sick. A pet insurance is less expensive than a human health insurance. Basic pet insurance policies normally cover veterinary bills and even minor surgeries. A comprehensive policy though can go as far as covering the service charge of a pet psychologist or costs of cancelling a planned vacation if your pet needs you at the 11th hour. Almost all forms of pet insurance include liability coverage, which will insure the owner if the animal causes bodily harm to someone or destroys the property of a neighbour. Pets do need love but they should also be entitled to the right environment, exercise, activity levels, stimulation, nutrition and health care. Those aspiring to become pet owners should realize treating a dog and cat the right way will require a lot of money and time. A large portion of a pet budget will be allocated to vet bills and this will be made worse by other costs such as hiring pet sitters or renting a boarding kennel if the owner to needs be away from his beloved cat or dog. Tesco Pet Insurance - Compared to other providers of pet health care insurance Tesco provides coverage for old dogs and even those over eight years old. Old dogs can have insurance for the rest of its lifetime. - Vet fees are automatically included and Tesco has advice lines that can be contacted anytime of the day. By the time you take home your pet you need to prepare for various items such as food, vaccinations, veterinary bills and property damage. Pet owners normally consider their pet as part of the family and its health and wellbeing should be properly taken care off. If your cat or dog becomes sick or is injured, you do not want to be burdened about the cost of medical bills. Points to ponder: - Insuring a mongrel is cheaper than a pedigree - Insuring a dog is cheaper than a cat - Veterinary bills and minor surgeries are normally covered by a basic health insurance policy. Comprehensive plans are more flexible and some even reimburse the bill of a pet psychologist or charges of a reservation for a dinner or vacation when the pet needs immediate medical care in the last minute.