covering boarding costs for animals whose owners are hospitalized, or costs (such as rewards or posters) associated with retrieving lost animals. Some policies also include travel cancellation coverage if owners must remain with pets who need urgent treatment or are dying. Some British policies for dogs also include third-party liability insurance. Thus, for example, if a dog causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971. The difference between companies Pet insurance companies are beginning to offer the pet owner more of an ability to customize their coverage by allowing them to choose their own level of deductible or co-insurance. This allows the pet owner to control their monthly premium and choose the level of coverage that suits them the best. Some of the differences in insurance coverage are: Which pets are covered (typically dogs and cats, though some insurance companies cover horses or other pets.) Whether congenital and hereditary conditions (like hip dysplasia, heart defects, eye cataracts or diabetes) are covered; How the reimbursement is calculated (based on the actual vet bill, a benefit schedule or usual and customary rates); Whether the deductible is on a per-incident or an annual basis; Whether there are any limits or caps applied (per incident, per year, age or over the pet’s lifetime); and Whether there is an annual contract that determines anything diagnosed in the previous year of coverage is considered pre-existing the next year. References Insurance Ensuring 100% Protection With Dog Insurance