Whether it's purchased individually or acquired through an employer-based plan, pet insurance is still a perk enjoyed by only a tiny fraction of American pet owners.

Out of 174 million cats and dogs in the United States at the end of 2014, only about 1.4 million were covered by an insurance policy, according to a pet insurance trade group. That is nevertheless a significant increase from 2008, when only 680,000 were covered.

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