Q:  Is there such a thing as pet health insurance and if so, how does it work?

A:  Yes, there is such a thing as pet health insurance.  There are several different companies that provide this service.  Most of them work just like the traditional health insurance plans work for us humans.

Basically, you pay an annual premium to the insurer.  Then, you choose what veterinarian you want to see and submit the invoice to the insurance company.  You still pay the veterinarian in full on the day that services are rendered.  The insurance company reimburses you directly based on their predefined reimbursement rates for various services.  We, as a provider of services, stay completely out of the loop and you deal directly with the insurance company.

As in any service field, there are new companies joining this particular industry all of the time.  We recommend Pet's Best insurance because we have found them the easiest to work with as well as the company who offers the highest reimbursement schedule for our clients.