Although pet insurance is readily available, it is under utilized.

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There are a lot of factors that determine if a pet insurance policy is any good. 

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Every so often I review the different available pet insurances and I pick what I believe to be the best option. Pet insurance should not be for routine care. It's not worth the cost. What pets and owners need is money when crap gets real.

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They need money for the unexpected. No person that comes to the ER, says "yes, I was expecting this and I am prepared."

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I use the insurance I pick with my own pets so that I can see how good it is. 

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 There are so many options now. I have outlined the plan specifics that you should look for:

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Unlimited Annual Coverage 

$250 or $500 Deductible 

90% Reimbursement

Core Benefits:

• Accidents, Illnesses, Cancer, Hereditary Conditions, Surgeries 

• Emergency Care

• Take-Home Prescriptions 

• Accident & Illness Exam Fees 

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How most of these insurances work is that you have to pay your vet up front and then you will be reimbursed within a few weeks.

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So you should have $8000 in credit available you at all times in case the unexpected trip to the ER happens.