However, this can be compounded by unexpected costs like the use of boarding kennels if the pet owner is hospitalized cannot attend to the cat while being treated. New studies have discovered that one out of three pet owners were forced to make unscheduled visits with animal doctors over the past two years. Terms of Healthy Pets cat insurance - Clients will only be required to pay the pet health care insurance premium quote provided by Healthy Pets. - No premium penalties for coverage during the succeeding year if the pet owner needs to make claims on his pet health care insurance. - Healthy Pets business is restricted to pet health care insurance. A typical pet insurance plan normally covers vet bills and minor surgeries. However, a comprehensive pet insurance plan has more flexible coverage like paying for the services of a pet psychologist or fees to cancel a vacation. Nearly all types of pet insurance plan feature liability coverage. Under liability coverage, the pet owner will be insured if the animal inflicts bodily harm to another person or causes damage to property. Aspiring pet owners normally choose a breed of a dog or cat that will fit with their lifestyle. 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. Coping with Difficult Situations Many pets in Canada suffer from life-threatening diseases that are not treated properly and this due to the reluctance of owners to shoulder medical costs. Pet insurance will help the pet owner provide the best available care to their adored household companion. Petplan of Canada No pet owner will plan on allowing the animal to become sick or hurt in an accident. While the offerings of budget insurers are affordable, these only provide extremely limited coverage and not likely the expenses in treating a pet that develops an ongoing condition that might requires years of continuous medical attention. Such conditions include epilepsy, heart problems, skin conditions, arthritis and diabetes.