We are big fans of pet insurance. Differences exist between plans – some are comprehensive and cover everything, others only illness. In general, we recommend illness-based insurance – it will help during those unexpected emergencies and problems. Pet insurance works via reimbursing you, the client directly. When you leave the hospital, you pay the balance and we submit the insurance claim for you, the insurance company processes the claim and sends you a check. Although we don’t endorse a specific company or plan, the following are several insurance carriers our clients have used. Please research what plan is best for you and your friend.