So, you've checked out pet insurance providers, and found your pet is too old, has a pre-existing condition, or has a heredity problem that no pet insurance company will cover. Are you totally out of luck? No, there are some alternatives to pet insurance companies. Many insurance experts recommend setting up a "pet savings account" and paying yourself premiums every month, to use for your pet's health care. There are also pet HMOs, that provide discounted health care at selected veterinarians around the country. Many vets also offer "wellness" packages that give discounts on routine checkups, vaccinations, and the like. Check out all your options with your local veterinarian before you give up on health insurance for your pet.

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