Some issues to consider:

* Make sure to check for coverage of pre-existing conditions as well as breed-specific genetic ailments, such as hip dysplasia for large dogs. Some plans refuse to cover these conditions. * Some plans place limits on annual, per-incident, per-illness or lifetime costs. * How old is your pet? Coverage usually starts at eight weeks, but some plans won’t cover pets over a certain age (usually between six and 10 years old, depending on breed, type of animal and other factors).

- Cost Payment options for pet insurance include flat fees or deductibles and/or co-payments. Not surprisingly, plans with lower monthly premiums come with higher deductibles and/or larger co-payments.

Some issues to consider:

* Insurance premiums are affected by age, health and breed of your pet, as well as type of animal.

* Some plans offers discounts for multiple pets.

* Plans generally require customers to pay vet bill first and then submit receipts for reimbursement.

* Find out if insurance premiums will increase as your pet ages.

* Depending on plan you choose, monthly premiums can range from less than $10 to about $40.

Step three: Choose an Insurer

You’ve determined what you can afford to spend and amount of pet insurance coverage you want.

Before selecting an insurer, here are some final considerations:

* Make a list of your questions and priorities in advance. Make sure to answer or check off each item when reviewing plan options.

* Research insurer thoroughly. Review its website and sales materials, read its testimonials, talk to other pet owners and look for on-line reviews. How long has company been in business? Are its customers satisfied? Make sure you feel comfortable about everything you hear or read.

* Compare plan’s benefit schedule with your vet’s fees to determine to what degree plan will cover actual treatment costs.

* Find out how quickly insurance company reimburses customers’ claim payments and if it has claim deadlines.

* Read fine print. Make sure you completely understand plan’s benefits and, more importantly, limitations. If something isn’t clear, ask – and get answer in writing. Otherwise, you might find you don’t have coverage you need if an accident occurs.

* Start a file for your pet. Use it for all receipts and insurance paperwork so you can keep on top of your claims and make sure you are maximizing your insurance investment.

Your responsibility as a pet owner doesn't end with food, shelter and affection. Pet health insurance can give smallest member of your family a longer and healthier life – and provide you with more time to enjoy unconditional love it so willingly offers to you.

Some gifts can be personalized to special occasions with imprints, photos or amusing accessories.

A gift that is customized for special occasion will be really welcomed and show that you put extra thought into your gift selection.

Tip #4 – How Does Your Dog Lover Express Their Fondness For Dogs?

To select a great dog gift you’ll need to know a little about how your dog lover likes to express their passion or fondness for dogs.

Does he proudly wear dog breed clothing, display dog art prints & posters or like to collect dog figurines and other dog related knick-knacks?

Or maybe she likes to pamper her special pooch. Buying her little dog all sorts of treats, dog carriers, designer dog clothes and elegant dog jewelry.

Tip #5 – Don’t Overlook Your Dog Lovers Other Interests & Hobbies

You may find that perfect gift is one that combines a favorite hobby or interest with their love of dogs.

If your dog lover is a big sports fan maybe he would like a dog clothes outfit that reflects his favorite team.

Any dog gift with team colors and logos on them will be a hit when his friends come over to watch big game. If you don’t think his pooch would like to wear a dog shirt, a dog bandana might be a better choice.

Do you need to get a dog gift for a dog lover who plays golf? Then she would probably love some dog breed golf club head covers.

They can really add a sense of fun and style while protecting their valuable clubs.

The choice of dog lover gifts seems endless, but now that you know how to narrow your focus you’ll be able to pick great dog gifts every time.

Just think about who you need dog gift for, and have fun. The best gifts are ones that make moment special and get us all to smile.

Copyright 2005 Dog-Supplies Advisor.com, all rights reserved. Reprinted with permission.

Publication is permitted so long as resource information at end of article remains intact, and links are live.

Courtesy of http://www.dog-supplies-advisor.com a site dedicated to providing dog care advice on a broad range of dog-related topics. Includes articles, frequently asked questions, recommendations, and tips for dog owners.