Every year more than 1 in 3 pets falls ill or is injured.

And while it's amazing what veterinarians can do for our pets these days, a visit to the emergency room can run up to hundreds or even thousands of dollars in a very short space of time.

Many of us are not prepared financially to afford the level of care that modern veterinary medicine can provide and sometimes we compromise by giving our pets a level of care that is far from the best.

With pet insurance, you never have to choose between an expensive treatment and your pet's life. Just because your pet is happy and healthy today, doesn't mean things will always be that way. Pet insurance helps you prepare for any eventuality.

Purebred Dogs


If you have a purebred dog such as a Golden Retriever, Yorkshire Terrier, or Pug, your dog is especially prone to certain genetic conditions. There are hundreds of these conditions, some of which include hip dysplasia, luxating patella, and cardiomyopathy. You may not even know your dog has a genetic condition until signs or symptoms reveal themselves months or years after you acquire your dog.

The care and treatment of a genetic condition can be very, very expensive. For example, corrective surgery for bilateral hip dysplasia can easily cost over $5,000. American Modern's plans will pay for the treatment of these diseases provided your dog is healthy at enrollment.

Purebred Cats


Purebred cats have genetic conditions they're predisposed to just like dogs. So if you have a purebred cat such as a Siamese or Persian, you'll surely want your pet insurance plan to cover these, some of which include hypertrophic cardiomyopothy, diabetes, and feline asthma. 

Care and treatment of genetic conditions for cats can be just as expensive as that of dogs. For example, diagnosis and treatment of feline asthma with steroids and an inhaler can easily cost over $1,000. 

Beware! The majority of pet insurance plans do not cover genetic conditions. Choose a plan that covers them for peace of mind.