Here at Neopia's Pride you are entitled to health insurance an benefits. Here's how the system works.

You give the guild 1,000 and you have the copper package; 5,000 for the silver package; 10,000 for the gold package; and 50,000 for the platnium package. Now I know what you're thinking, THAT'S A LOAD OF MONEY! but imagine your pet getting sick and knowing for certain that someone will get him/her proper medical attention.