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No one even thought about it.
Both humans and pets are very lucky because there have been many major advances in medical technology.
This means there are treatments available today that weren't possible just a few years ago.
Many pet owners these days consider their pets full fledged members of their families.
Pet insurance helps prevent against major financial burdens for those pet owners who would literally do anything and everything possible to save their beloved pet.
If a family has limited financial resources, the existence of a pet insurance policy can literally mean the difference between getting treatment or losing the pet.
The media pays more attention to advances in science that further medical care for people, but during recent years, veterinary science has advanced a lot too.
In fact, once a treatment for humans has been success for a period of time, it often finds its way into veterinary care.
There are now many advanced treatments available for pets, including blood transfusions, medication for depression, radiation therapy and organ transplants.
In addition to a wide array of advanced treatment options, more and better diagnostic tests are available than ever before.
These tests are good, of course, because veterinarians can now identify health problems and illness in pets when they otherwise would have gone unnoticed or undiagnosed.
The bad news is that each test costs money and involves more vet visits.
Advances in veterinary testing and treatment have allowed our pets to live longer and healthier lives and for us to enjoy their presence for many years.
The additional cost, however, can become a burden.
Just like with human health care, when potential costs are unmanageable, we turn to insurance.
Because so many people are interested in buying health insurance for their pets, some employers are starting to offer it to their employees.
Just like the health insurance for your family, most pet insurance policies have deductibles and co-payments.
You may also have to provide your pet's health history before you can get a pet insurance policy.
If your pet has ongoing health issues, like a chronic illness, it will probably be considered a pre-existing condition and won't be covered under the policy.
The price of pet insurance will increase as your pet ages, simply because older pets tend to need more medical care.
Many pet insurance companies will not write a new policy for a pet over nine years old.
If they will, it will certainly cost more than a policy for a younger, healthy pet.
Since the premiums go up for older pets, pets with a history of health problems, and even pets whose breeds are prone to certain problems, you'll have to think carefully about whether you should get insurance at all.
In these cases, though, there's a good chance that you'll spend that much or more at the vet if you skip the pet insurance.
When you choose to adopt a pet into your family, you are committing to taking care of him or her for their whole life.
Veterinary care is easily the biggest expense you will face with your pet.
These days you can get insurance for just about anything that might involve sudden unexpected costs.
You can make these unpredictable costs more manageable, and probably lower, by getting pet insurance before your pet gets sick.
Once you have a policy in place you'll be able to afford whatever tests and treatments your vet recommends.
When deciding what treatment options to pursue for your pet, the fear that you can't afford it won't be a factor.
In the event of an unforeseen illness or injury, you won't suddenly have to come up with a lot of money that you don't have.
Some policies go beyond veterinary care for illness and injury to offer coverage for preventative care, spay and neuter procedures and even theft of your animal.
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