However, they usually forget to budget for the common medical problems and illnesses associated with the pet s breed. Accidents will also come into play during a pet lifetime and these include eating foreign objects, fighting with other pets and ear infections. Background of Petplan Petplan is Canada's oldest and largest pet health insurance company and has been operating since 1989 with over $53 million paid in claims. Insurance firms also take into consideration the age and present health condition of the animal. Animals considered high risk are those over the age of 8 so it is advisable to buy insurance for pets, while they are still young. Getting pet insurance early on boosts chances that the animal will be insured and well take care off during its lifespan. It's worth consulting with your vet to find out if your particular breed is more susceptible to any diseases. Other than that you should be aware that one of the easiest ways for an infection to spread in your pet's body is through their mouth. This can result in a condition as serious as heart disease! Basically pet owners would think that their pets are not capable of harming anyone without reason. This is probably true but it is always better to be safe than sorry. With the increasing incidence of insurance claims associated with animal bites it is a good choice to have something that can protect your interest as well as the unlucky victim. The company features a well organized claims system that is easy to understand. Claiming a policy with VPI Pet Insurance is easy. Pet owners only need to: - Visit a licensed veterinarian or specialist. - Pay the fees for every visit. - Request a veterinary staff member to list the pet s diagnosis. - The original veterinary invoice must be signed and mailed to VPI. The company will not offer pet owners car, home or life insurance. - Premiums are very competitive and coves most types of breeds. Healthy Pets is the logical choice if a pet owner is looking for an insurance company that cares. Given its specialty in animal insurance, Healthy Pets understands taking care of cats and dogs.