One of Veterinary Pet Insurance s strengths are their easy to understand procedures on how to claim their policies. In claiming policies, the pet owners just need to choose a licensed veterinarian. After the fees are paid, the pet owners just need to get the veterinary staff member to sign the receipt. At times a person may be worried about how much of a deductible they need to pay before the coverage picks up. However, with these plans a person can see that the amount they are going to pay is relatively small in comparison to the cost that they pay for themselves. A person may find that the coverage may offer discounts for keeping up to date on the shots. However, dogs with breeds should be enrolled before they are of 6 years old.. 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. This can pay for the treatment of the victim and can also give due compensation when needed. In case due to unfortunate circumstances the victim died because of the injuries caused by your pet then with liability insurance the compensation can be paid without you worrying about the impact to your finances. However, similar to human insurance policies, pet care insurance have their exclusions such as the type of pet, breed and age. Dogs are actually more expensive to look after rather than cats. This is because they tend to be sicker, and visit veterinarians twice than that of cats. Pure breeds are given higher premium by most pet care insurance companies because of their special needs, rather than cross breeds. Dogs that are properly taken care off can live anywhere between 10 to 15 years. A trial period cannot be applied to a puppy, as it is a living creature that needs to be respected. Pet owners should ready to make an obligation to the pet s well being from its young age until it grows old. Pet owners typically select a breed of a dog or cat that will appropriate with their lifestyle.