Pet insurance often places strict limits on how much it will pay for particular procedures.
Harford says it's unlikely that pet insurance will end up with the same problems as human health insurance.
To give an obvious example, it would be worth offering pet insurance to someone who has started buying kitty-litter.
Pet insurance is structured similar to human health insurance, with pricing based on the age and breed of the pet.
And some things that traditionally weren't included in pet insurance, such as hereditary conditions, are now paid for under many plans.
The cost of medical care for pets is rising as fast as it is for humans, and that's helping to spur sales of pet insurance.
By this time, I was several thousand dollars worse off, maxed out on pet insurance and had spent four disconcerting days watching Minou refuse to eat or move.
The analyses came up with some interesting findings -- not only did the students confirm that average household income and average age played a big role in deciding who was most inclined to buy pet insurance, they also discovered that proximity to pet superstores and even race played an apparent role.
Interest in pet health insurance has been growing rapidly since it was first introduced in the United States in the early 1980s.
Celebrities clamor for the camera to support their pet policies while others perform at campaign rallies as an insurance policy to insure attendance.
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And while insurance covers accidents including poisoning, some insurers might not cover a pet that has a track record of eating unsuitable items.
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