We always want to give our animals the best health care they can get. But when things are so expensive such as hospitalization, medication and treatment how can we do that? The cost of all this stuff would be around $3000. Pets are not just animals, to most they are family. So, pet insurance allows you as the pet owner to have better options for your pets health needs.

Sweden has the highest percentage of pet owners who get their pets insurance. Sweden has a whopping 49%, Canada has 19%, but The United States only has 3%. Here is an overview of the good and bad when getting pet insurance. This will help you to make the best decision for your furry friend.

The Good

The major concept of getting a pet insurance policy is so just in case something would happen where you couldn’t come up with a huge amount of money for an accident or a medical emergency for you furry friend they would be provided for already.

The cost of any Vet visit or supplies is going up in rate very fast. There are already advanced medications that veterinarians can use to get your pet better if he is sick. If you get the best pet insurance plan they can also include things such as spay, neuter, vaccinations and flea medication for coverage.

Pet Insurances do not only cover medical needs. They can also cover things such as poster, financial assistance, posters, and advertising for pet owners who have had their pet stolen. Insurance companies can even help you to get a new pet.

The Bad

Pet insurance varies a lot in price. Some are very expensive while others have lower plans. It all depends on what kind of coverage you need to get for your pet. You have to decide what kind of coverage you want so you can get the right insurance for pet that you need.

Pet insurance companies will take into consideration lots of things about your animal so some may be harder to get a plan for then others. For example if you have a dog that has prior sicknesses or is old then you may have problems getting a good insurance plan. Most of the pet insurance companies will not pay the fees up front for you, in most cases you will have to pay the fees first and then your insurance company will send you the money back later.

Travel insurer agrees reader’s friends were due a full refund

My elderly neighbours are having terrible difficulties claiming money back from Insure and Go after they had to cancel a once-in-a-lifetime trip to the US to visit family. They have had some money back, but it seems the airline they were due to use is withholding a large chunk of the £2,487 they paid. They have been caused much distress and ill health due to the worry. EW, Braintree, Essex

This case has taken some considerable time to unpick, but here goes. Your neighbours paid £2,487 for four return flights to San Francisco through travel agents Chelmsford Star Coop and then, sensibly, took out their own travel insurance with Insure and Go, paying £180 for a single trip policy.

Due to ill health, the trip had to be cancelled and a claim was submitted to Insure and Go. After deducting the airline administration fee and being reimbursed the numerous US taxes and UK air passenger duty, there was still a shortfall of around £800 which couldn’t be explained, and which your neighbours wrongly blamed on the airline. After investigation, I discovered that the flight broker used by Chelmsford Star had wrongly included the £197 fuel surcharge per ticket in the category of “tax” on the invoice, for which the insurer would not ordinarily be liable. After I pointed this out, Insure and Go agreed that the problem stemmed from the documentation it was sent and a further no-quibble refund of £788 is now on the way.

Your neighbours were overjoyed and I know that this money, which they thought was lost, will make a big difference to their lives. If ever there was a case of job satisfaction as the Capital Letters columnist, this was it.

Answering your letters this week is Steve Playle, Trading Standards officer and Team Leader at Surrey Trading Standards Service.

We welcome letters but regret we cannot answer individually. Email: capital.letters@guardian.co.uk. Please include a daytime phone number.