However, a change in market strategy has finally started to penetrate this market as pet insurance companies move from having veterinarians sell insurance to advertising insurance directly to consumers.

Sweeping changes in the pet insurance industry have occurred only recently. Some say for the better. Levels of care previously considered prohibitive are now available to the average pet owner.

Critics see a gloomier outlook as a result of the changes, however. In their eyes, adding insurance to veterinary medicine will follow the path of insurance red tape and problems found in human health care.

Veterinary medicine is one of the few health care professions that is not financially based on insurance. Unlike most medical, surgical, dental, and pharmacy cases in human medicine, veterinary customers are responsible for costs incurred — including preventive and routine care, emergency and disease conditions.

Most companies start policies at age 6-8 weeks.
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