Advantage is
* You always have the security of being able to provide your pet with proper medical care and you will be avoid to get and pay for treatment.
* When other people are looking after your dog they don’t have to hesitate to take the animal to the vet if they think that something might be wrong with the animal.
Drawbacks is
* You have to pay a monthly fee, even if you don’t need to take your pet to see the vet.
* A pet insurance company will hardly ever reimburse you with 100% of the total amount that needs to be paid for your pet’s treatment. Usually companies only pay out 80%.

http://tribes.tribe.net/petinsurance