Several companies offer health insurance for dogs and cats (and other pets). These plans have premiums and deductibles, just like human health insurance plans. The premiums and deductibles vary based on the level of coverage you select. Many routine services, such as office visits and diagnostic testing, are covered, as well as prescriptions, procedures, and surgeries for a wide variety of diseases and conditions. However, there are restrictions and limits, as well as certain guidelines to follow, including making sure your pet receives regular preventive care.