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The main purpose of getting pet insurance is to make sure you are prepared for the unexpected. When you bring your new friend home, it immediately becomes clear that he or she is already part of your family and, therefore, you want to protect and care for them as you would any other family member. You can also donate to the best animal charity organizations in San Diego.

As a pet owner, you only have control over your friend's well-being. Taking policies ensures that your friend is protected if he or she is sick or injured and that you have to pay vet fees.

In addition to emergency coverage, many pet policies cover current medical conditions that your pet may develop and suffer from throughout their life.

With the pet insurance business booming, there are more than 60 providers to choose from. It can be confusing when comparing one vendor's policies to another.

In essence, each policy has different benefits. Most company policies provide cover for veterinary care costs. But what else do you need to look out for to make sure you get the best deals and coverage?

 The mandatory part of the policy that you need to decide on is choosing a life or temporary policy. This is important because time-limited guidelines (usually 12 months) only cover your cat or dog for a certain amount of time.

If your pet has had a current condition such as arthritis or diabetes during the 12 months, you will no longer be covered by the insurance company after this limited time has passed.