One author explains why in her blog:
http://willmydoghateme.com/2009/09/05/health-insurance-for-pets-hell-yes/
There's a second blog entry on the topic if you click back to the full blog.
http://willmydoghateme.com/2009/09/05/health-insurance-for-pets-hell-yes/
There's a second blog entry on the topic if you click back to the full blog.