Dog Owners know that a pet soon becomes a much-loved family member. It would be terrible to have to place a cash value on your pet’s life. If you do not have adequate Insurance you could be faced with that heart-rending decision. Do you want that extra trauma if your dog is sick or injured?
Increased veterinary fees and expenses mean you could be faced with a bill for hundreds or even thousands when your pet becomes unwell. The costs rise and pet owners without insurance are forced to decide how much they will spend to keep their best friend alive. It makes sense to take out a pet insurance policy to avoid major unforeseen expenses.
Like any other family insurance, pet insurance helps you put a small sum away now to avoid a hefty unexpected bill. There is a wide range of cost and cover options so it is a good idea to shop around online to see what is available to you.
Do you need pet insurance?
The answer is a resounding yes: apart from covering vet fees, policies also include your legal liability as a pet owner. If your pet causes a road accident, damages property or bites or scratches someone, you will be covered and the company will appoint lawyers to deal with the claim.
At the stage of getting a pet, most owners do not think about the inevitable unforeseen expenses of illness or accident. Even if your pet lives indoors there are still dangers. They may sustain an injury in the home, drink or eat something poisonous to them, or swallow a toy. And they can still fall prey to an illness or disease specific to their breed. Of course if your pet goes outdoors the possibilities of injury or infection are higher. Unless you can afford to set aside at least $1000 to cover vet bills every year, you should find that pet insurance is the better budget option.
Like most types of policy, pet insurance is a tradeoff between cost and cover. The cost will increase with the scope of cover.
Policy Cover
Like most types of policy, pet insurance is a tradeoff between cost and cover. The cost will increase with the scope of cover. The pet owner can usually choose whether to take inclusive cover that pays for everything from routine checkups and vaccinations to accidents and chronic illnesses, or a lower cost policy for major treatment and emergencies only. In addition you can cut the cost of either option by paying an excess - a set sum is your responsibility then the policy picks up the balance up to the policy limit. Most plans place limits on annual, per-incident, per-illness or lifetime costs.
Be sure to ask whether the policy covers existing conditions and breed specific ailments, such as hip dysplasia. Your pet’s age also affects the cover available: according to the breed you could find some companies will not offer cover after the age of eight to ten years old.
Cost
Payment options for pet insurance include flat fees or excesses or deductibles and/or co-payments. Insurance premiums are affected by age, health and breed, as well as the type of animal. You normally need to settle the bill first and then claim from the insurer, so it is worth setting aside an emergency fund for this. Ask whether premiums increase with the age of your pet. If you have more than one pet you can usually get a multi policy discount.
Choose an insurer
Once you decide on your budget and the type of cover required, you can look for a policy to suit you.
When you approach pet insurance companies these are some ideas to help your research:
List your pet insurance priorities and check each one off in turn. Do your due diligence on the chosen insurance company. Read consumer and professional reviews, focusing on how long they have been established and how fast they settle claims. You should be able to look at a sample policy summary before you buy. Check the benefits, maximum payments and the time limit for making claims. If you have a question, put it in writing and get a written reply so you can refer to it in the event of a claim.
Keep a file of all papers relating to your pet, starting with the adoption or purchase and include receipts and insurance papers to keep track of expense and ensure you claim your entitlement.
Pet insurance is an unavoidable expense but attention now can give your best friend a longer and healthier life, and extend the enjoyment and love you get from your relationship.
Adrienne Davis publishes Kevin’s Doggie Tips with regular Dog Tips Updates. Get moneysaving tips for pet owners at http://dogs.homebusinessadvisers.com
Tags: dog, dog training, dogs, hip dysplasia, pet, pet insurance, pet owners, pets, puppies, vet fees
If your dog is an important part of your life, you will want to provide the best of care for her so she can enjoy a long and rewarding life. A trip or two each year to your veterinary clinic does not guarantee that your loyal canine will maintain her healthy appearance and youthful spirit. It is you, the dog’s owner, who can make the difference between your dog living a long, full life or one of physical disease and health problems.
Many dogs are treated like they are immune from common heath problems - they are NOT! They suffer many of the same health issues that afflict humans; teeth and gum disease, ear infections, toe nail problems, and hair issues, just to name a few.
Well, don’t get discouraged, because a few simple and easy grooming practices can help you prevent the premature aging of your pet. Basic personal dog grooming is the key to early recognition of skin and tumor issues, dental problems, and mobility difficulties.
To help you establish a regular dog grooming regimen, the following tips are provided covering five key areas; brushing, bathing, nail trimming, ear cleaning, and dental hygiene.
Brushing Your Dog
Brushing, or grooming, your dog is a great time for bonding with her and providing the physical contact that all dogs desire. This practice promotes a lustrous shine on the dog’s coat, whiling eliminating dirt, debris, and dead fur.
This is also the perfect opportunity to examine your dog’s skin for fleas and ticks, lumps, cuts, or contusions. And while you’re at it, take a moment and examine her ears, eyes, teeth and nails.
Bathing Your Dog
Here is the good news - most dogs only need bathing once a month, unless she likes to play in the rain and mud. If she does get dirty on a regular basis, adjust your bathing schedule accordingly.
A prerequisite to bathing is a good brushing. This loosens up any dead hair or dirt and makes the bathing process much more productive. A good practice is to start bathing your dog as young as possible. Generally start when she is about 14-15 weeks old, or earlier, if they tend to get into messy situations.
Find a good location to bathe your dog, preferably one that is contained and has good drainage. Undoubtedly, water will be spilled or shaken near and far. An enclosed shower or tub is an ideal location, or if your dog is a smaller breed, the kitchen sink can also work.
Wet your dog thoroughly, avoiding her head to keep water out of her eyes and ears. Plug your dog’s ears with cotton balls if there is a risk of flooding the ears. Use a dog shampoo and lather up the dog. Be sure to rinse thoroughly and squeeze off the excess water. The face should be washed with a soft, damp cloth. Towel dry your dog, and blow dry if desired, but it is best to keep her confined until dry.
Trimming Nails
Nail trimming can be a traumatic experience for some dogs. So, it is best to start the nail trimming experience as early as 2-3 months old to let your dog become accustomed to the practice. For puppies, you can often use finger nail clippers to tip the ends of the nails.
If this is just too much for your dog or puppy to handle all in one sitting, you may start with trimming only one paw at a time, giving your dog an extended break between sessions. The key to successful nail trimming is providing your dog lots of praise when she lets you cut a nail. Kind, soothing words of praise will let her know that she is loved and this experience is nothing to fear. Of course, a few dog treats after the session is over can’t hurt either.
Cleaning Ears
Inspect your dog’s ears often, but only clean them when there is evidence of dirt in the opening or canal. Use a cotton ball, never a cotton swab, to clean the dirt out of the ear. Soaking the cotton ball with a good ear cleaning solution provides the best results. Hydrogen peroxide can be substituted for the cleaning solution, if necessary.
If you notice that the dog’s ears are red, swollen, or emit a foul smell, the problem might be more serious and demand veterinary attention. Yeast infections, ear mites, and other ear problems are more easily treated by medications only available from your vet.
Keeping a Bright Smile
As a dog’s life span has been extended over the years, it is even more imperative that your dog maintain healthy teeth and gum tissue. You can assist her by brushing her teeth regularly. Start as early in life as possible, to get your dog accustomed to the feel of your finger or brush in her mouth.
Starting with your finger, or a special dog toothbrush fitted for your fingertip, begin massaging your dog’s gums and gently rubbing her teeth. Once she has become accustomed to the practice, try using a dog toothbrush, or small soft bristled human toothbrush, with dog-specific toothpaste. Never use toothpaste designed for humans on your dog.
Continuing this practice throughout your dog’s life will ensure that she will avoid gum disease, loose teeth, and related eating problems.
These easy-to-follow grooming tips take very little time compared to the years of enjoyment your dog will provide you and your family. Take care of your loving “best friend” and she will certainly return the favor many times over!
Bill Wilcox is a long time dog owner and experienced trainer. He is an avid author of dog care articles and writes for superior-dog-supplies.com and smart-dog-training.com. For more information visit:
http://www.superior-dog-supplies.com
http://www.smart-dog-training.com
Many dogs today suffer from itchy skin caused by a variety of factors. Dogs actually have more sensitive skin than humans, and are often exposed to a variety of irritants in their environment. These grooming tips may help alleviate your dog’s constant itching.
Brushing your dog daily will remove pollens, grasses, and other outdoor irritants as well as stimulating the skin’s circulation and preventing matting. Brush carefully and down to the skin, taking care not to tug on tangles, and using a soft bristle brush on sensitive areas.
Bathing should also be done on a monthly basis, following a thorough brushing. Use a natural, low lather, low irritant shampoo, wet your dog down thoroughly with lukewarm water, and apply the shampoo using your hands. Avoid getting water or shampoo in his eyes and ears, and lather all over, right down to his skin, then rinse thoroughly. Shampoo residue is a major cause of skin irritation for dogs. After rinsing, towel dry your dog, and avoid using any coat finishers or blow dryers, which can also cause skin irritation in a sensitive dog.
Grooming is essential for a dog’s skin health, helps you identify skin problems early on, and is a great way for you to bond with your dog as well!
About The Author
Alexandra DeBoer is the creator of a low-lather shampoo line for sensitive dogs. You can learn more about her company at: www.barknbath.com.
bow-wow@barknbath.com
Tags: animal, dog training, dogs.puppies, family, home, pet care, pet disease, pet health, pets, recreation, sports