A Tiny Miracle Can Prevent a Big Disaster

Few people have been affected first hand by disaster like the residents of California right now.  Because of the extremely rapid movement of the fires, not everyone was able to evacuate with their animals to safety.  Many pets, both large and small, have been rescued and treated for injuries and burns.  Some have been reunited with their owners.  Some still wait.

Would you believe that there is a cheap, one-time insurance currently available to prevent this?  What is this small miracle?