Have you taken your dog to the vet recently? Did you balk at the cost of a regular check up or the price tag of your dog’s medicine? In a more extreme example, your dog may have eaten something that didn’t agree with them and they are convulsing and coughing up blood. This frightens you and you rush them to the emergency vet hospital. The vet has trouble ascertaining the cause of their distress and runs several tests and pumps a plethora of medicines in your dog’s body.
Of course you love your dog and will do anything to save him. However, after the fright of the situation wears off you realize that your dog has racked up quite a vet bill. In fact, the bill may be over $1,000. Wow! There is no question that you should save your dog’s life by any means possible, but if this type of situation happens more than once your bank account might dwindle to nothing. Therefore, you need to purchase pet insurance for your dog.
Pet insurance for your dog you ask? Yes, you can purchase pet insurance for your canine companion. It is a great idea to purchase pet insurance for many reasons. Was your dog born with birth defects and other chronic problems? For example, some dogs are born with misplaced knee caps, “trick knees”, and will need costly surgery in the future. Another reason to buy pet insurance for your pet is that if they are getting on in years. Many times dogs will hit a certain age and it seems as if they are struck with several health problems at once.
Pet insurance is also a good option if you have an overly active or working dog. Does your dog tend to run around the country side and come home with scrapes and bruises? Do they bring home disease infested rodents for your viewing pleasure? Do they feel compelled to eat trash that is filled with bacteria even when they know they aren’t supposed to? Do you have more than one dog and fear the spread of a dog illnesses or infections? Pet insurance is something to consider in any of these cases.
How does pet insurance work? Pet insurance is very similar to your own health insurance plan. There are several different pet insurance plans to choose from that range in the amount of services and cost. Many pet insurance plans offer coverage regarding annual checkups, lab tests, vaccinations, drugs/medications, spaying/neutering and emergency visits. Often you will visit the vet, pay for the service and then submit your claim to the pet insurance company.
The range of coverage varies as does the deductible and reimbursement percentage. Some pet insurance plans will pay up to 80% of your vet bill after you have reached the $100 deductible. Pet insurance is an especially thankful gift when your dog has an emergency and racks up the medical costs.
In addition, pet insurance plans also allow you to choose the veterinarian you would like your dog to see. You do not have to worry about veterinarians “in your network” like you commonly do with your own health insurance plan.
When choosing a pet insurance plan you have a host of pet insurane companies available. Many of these companies have websites that can provide you an instant pet insurance quote. You type your contact information, the breed of your dog, and your dog’s age. You can find the costs for pet insurance plans that are basic to comprehensive and whether you want to pay the pet insurance premium monthly or once a year.
It depends on the age and breed of your dog, but you can find pet insurance premiums as low as $10-$15 per month. As your dog gets older, the cost will increase slightly due to the fact that older canines are prone to more illnesses and veterinarian visits. This rise in cost can be offset greatly by the amount of money you will save by purchasing a pet insurance plan.
Think pet insurance is too high or unnecessary? Consider the fact that if you don’t purchase pet insurance, you will have to pay the full amount for every vet service out of your pocket. This can soon add up to over thousands of dollars during your dog’s lifetime.
If your dog is susceptible to illness or you find yourself at the vet’s office often then check out pet insurance plans. You can peruse the Internet for instant quotes or contact your vet for possible pet insurance options. Finding pet insurance is as easy as signing up on the Internet. If you don’t feel comfortable with the Internet, then seek out the guidance of your vet. They may know well respected pet insurance companies that offer affordable pet insurance plans. Your pooch and your pocket book will thank you.
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Tags: dog, dog breeds, dog care, dog health, dog insurance, pet care, pet insurance
Our pets can sometimes be as close to us as members of our family, that’s why cat owners will want to know as much as they can about cat health. The following are the major things to know about caring for your cat in a loving way:
DIET: Cat health is strongly affected by what your pet eats. Obesity is a major factor in heart disease particularly as you cat gets older. Choose a pet food for your cat that is right for it’s age but feed it regularly. Consistency is the key to a well-fed pet.
GROOMING: Longhaired cats should be groomed regularly for optimum cat health. Use a pet brush and groom no less than once a week.
LITTER: The litter box can be a danger to both cat health and human health if it isn’t cleaned regularly. Change your pet’s letter no less than once every four days and keep a small dish of baking soda near the litter area.
ELDERLY CATS: Some diseases occur because your pet gets older. These can be labeled elderly cat health problems. As cats age their kidneys and eyesight fail and may need special diets.
SCRATCHING: Scratching is a major cat health concern because if a cat scratches regularly it is often a sign of other problems. If your cat is scratching an area a lot try a delousing product and then take your pet to the vet.
BEHAVIOR PROBLEMS: Many cat health problems relate to difficult or uncommon behavior. Listlessness can be a symptom of depression. Strange aggression is sometimes caused by hormone imbalances.
DECLAWING: Choosing to declaw can be a major factor in Cat health. If you choose to declaw your pet it is important to remember to keep them inside at all times.
PARASITES: Parasites like ringworm, heart worm and rabies can greatly affect cat health. Blood in a cat’s stool or uncommon appetite are common signs of parasites.
STRESS: Stressful situations like moving, travelling, natural disasters or even changes in the family can affect cat health. To minimize the effects of stress on your pet, purchase a tranquilizer for distance travelling and have a place in your home where your cat can escape if there are busy changes in the house.
POISON: Part of managing cat health is making sure dangerous poisons like antifreeze are inaccessible to your pet. Some plants are fatal to cats so make sure to raise your plants and lock your toxins.
MOUTH: Cat’s often have mouth diseases and this can impact cat health. Cat’s are just as prone to gingivitis as humans and cats can also develop. For problems like rodents ulcer or bad breath, brush your cat’s teeth with a small child’s toothbrush.
INDOORS/OUTDOORS: One of the greatest factors in determining cat health is whether you cat goes out of doors. Cars, children, other animals and toxins are all dangerous and should be avoided by keeping your cat indoors.
Cat health is an issue that concerns us all and hopefully this article has provided you with information that will make your cat’s life safer and healthier.
For more more information about cat health please visit http://www.1health-center.com/articles/How-to-Make-Your-Pets-Healthier-and-Happier.php
Tags: cat health, cats, health, healthy cat, healthy pet, pet healthSo you want to purchase a dog or cat. There is something you should know before you take the leap. House pets are to be taken care of like your very own children; it is natural that they become part of the family. All animals have wants, needs and health issues just like human beings. You really have to be prepared because there are many things you need to care for your pets in order to keep them happy and healthy. In regards to pet health, you have to realize that it can be costly for veterinarian visits, so you may want to consider pet health insurance.
Health insurance for our pets is an option growing in attractiveness to many owners of our canine and feline friends, especially because most consider their pet a full-fledged family member. More policies have been sold in the last year and a half than in the last 20 years, with the average monthly cost being between $9 and $25.
Some newer policies cover regular check-ups and routine care. You may not consider this to be a benefit seeing that the routine care that is covered usually costs less than the insurance premiums. Economically, pet insurance that covers unexpected, expensive health care costs make better sense. You have to as yourself some pretty grave pet health questions. For instance, if you had to pay out of your own pocket, would you seek treatment of internal injuries from an accident? Would you pay for needed cancer treatment or treatment for other diseases? What if your dog has hip dysplasia? Odds are, your pet will never need such care, but if he does, you might welcome the coverage when faced with a $5,000 bill. Other pet health questions to ask: Would I be able to afford a sequence of treatments that might add up that high? Would I feel forced to euthanize my pet if I could not come up with the money to pay? To some it is not an option.
Once you have considered these questions it will help you decide if you are going to purchase pet insurance. Deciding to purchase a health insurance policy for your pet may not be an easy decision. In many cases, preexisting medical conditions are typically excluded from coverage. Many companies that sell the policies in the past have gone out of business leaving policyholders hanging. If you decide to purchase a policy, make sure you are familiar with the fine print explaining what is covered and what is not. Gather all the information you can before making a final decision. Also before purchasing a policy make sure it is accepted by your local veterinarian or veterinarians. Be sure to review what veterinary procedures and supplies are covered. Pet health policies are similar to human insurance policies; annual premiums, deductibles, and different coverage plans based on what the owner chooses. Plans are based on breeds, age, pre-existing conditions and in some cases, lifestyle of the pet (i.e. indoor vs. outdoor cat).
Most companies start policies at age 6-8 weeks, some have no age limit, and of the others I researched, one had a limit of 27 years, others had a limit of 8 years of age (if the animal was insured when less than 8 years, coverage would continue beyond 8 years). The current overall average for annual deductibles is around $100.00. The policy costs vary, depending on the animal and the different packages that owners can choose. Some packages are comprehensive, including such things as: annual checkups and vaccinations, routine care, preventive medications (like heartworm preventive supplements) and spay/neuter surgeries. Other plans cover only accident and illness. Most plans offer immediate coverage for accident claims, and 30 days for illness claims on new policies. Additional pets are usually covered at a reduced rate after the first policy-holding pet.
So you thought the hardest part to purchasing a pet was going to be choosing the one you would take home! Well now you know that being owning a pet has all the responsibilities of having a baby. It is important that people understand before becoming pet owners there is more to it than keeping their fur flea free, purchasing treats and pet products, like collars and toys and catering to the nutrition diet or diets of your puppies or kittens. There can be serious ramifications if you take pet ownership lightly.
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Teresa Schahczinski is a frequent contributor to Pet Health and Supples. For more tips on maintaing
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