 TITLE: Do You Need Pet Insurance? CONTENT: How to Shop Around for Pet Insurance\n------------------------------------\nYou can buy pet insurance from a company that specializes in pet policies or from traditional insurers that also offer policies such as homeowners or auto insurance. You may be able to get pet insurance through an existing insurer, and you may even get a discount for bundling it with your other plans.\nSome animal organizations, such as the American Society for the Prevention of Cruelty to Animals (ASPCA) and the American Kennel Club (AKC), offer pet insurance as well.\nWhile cost may play a role in your choice, it's important to take a comprehensive view of any offer. A few things to look out for:\n*   Are there any coverage exclusions (meaning conditions that will not be covered)?\n*   Does a wellness policy include grooming and other routine care?\n*   Does the policy include dental cleanings or oral surgeries?\n*   Is there a cutoff age for insuring older pets?\n*   What are the coverage limits (meaning what is the maximum reimbursement)?\n*   What is the monthly premium?\n*   What is the deductible?\nOne plan may have an attractive low monthly premium, but if it doesn't offer protection for many of the services you expect your animal to need, it may not save you much money in the long run. END