Some pet owners want their pets to have the same level of health care as they do.  Today, health insurance is available to help cover the cost of a pets unexpected illnesses. Veterinarian, Bill Craig who is the Medical Director for Purina Health Care Insurance says that their pet health care policies have the same look and feel as the owners own health insurance. You pay your deductible for the year then there’s an 80/20 co pay after that. Pet owners pay upfront for the veterinarian services which can include any pet medication that is administered, then submit a claim form to the insurance company. Pre-existing  conditions are not covered.  In England nearly a quarter of all pets are insured but here in the U.S. it’s less than two percent.