Although your insurance rates probably tend towards the exorbitantly premium side, how can you afford not take out insurance for your pet? Yes, there is such a thing as pet insurance and Trupanion is offering you the fairest and simplest deals. Their policies are only offered to pet parents with puppies and kittens no older than a year, as protection and prevention must start in the crib, so to speak. Young animals, just as young humans are inquisitive and tend to get into all sorts of trouble, they’re also more susceptible to viruses and disease; starting coverage early is the best way to keep your pet safe and also to make sure that all your claims are paid. Thus, Trupanion will never raise their rates because your kitty or doggy dearest is old or frequently sick. There are no deductibles or caps or payout limits. Your pet is insured for $20,000 throughout its lifetime. Quotes vary, but can be as low as $20 a month. Users do have to pay vet examination fees (the first $25), in lieu of the deductable that other companies charge. Trupanion covers 90% of claims.