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Interestingly enough, pet health insurance has changed in the past couple of years. Now, animal owners are able to afford medical procedures previously prohibitive because of the cost. But many skeptics are concerned that health insurance for pets will see an increase in the red tape us humans already encounter every day.

Animal medicine is one of the few health care services that isn't financially dependent on health insurance. Medical, dental, surgical and pharmaceuticals are all pretty much covered by health insurance in humans, but veterinary patients are responsible for all of that, themselves. Or, at least their owners are.

TOP 5 TIPS FOR CHOOSING PET INSURANCE

1. Compare the price

2. Consider the policy excess

3. Check if you are getting lifelong pet cover?

4. Think about other benefits

5. Don't forget the small print

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