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. Pet medical insurance should cover the pet owner against the unexpected cost of vet s bills. Recent studies indicate that one out of three pet owners made unscheduled visits to veterinarians in the past two years. Betting the health of your pet to chance is a very risky decision. It is normal that you will be very surprised on how much it costs to purchase pet medical insurance. Purchasing pet health insurance may be costly at first but this will be better than paying veterinary bills at full charge especially during multiple visits. Many animal treatments in market have been proved to be effective in prolonging the lifespan of a pet. This is made possible by the advances in science. 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! Pet insurance has been available in the market for more than 20 years. Pet owners have the responsibility to choose among the vast companies providing these types of insurance, based on the needs of their pets. Basic pet insurance services include mandatory services by the veterinarian, while upgraded pet insurance consists of major surgeries. However, almost all insurance companies have a policy on liability. This will cover incidents as ones pet biting another person. The American Kennel Club (AKC) has partnered with PET Partners, Inc. which led to the design of a health insurance dedicated to pet health care. The AKC Health insurance is a plan designed to provide services for pets, regardless of breed.