Cattle

Posts Tagged ‘insurance’

There are many issues to consider when purchasing health insurance for your cat or kitten. Purchasing health insurance for your pet can help you afford a procedure that would otherwise be prohibitively expensive. Accidents or disease are events that we can’t anticipate or foresee, but we can safeguard against them – if we choose the right plan.

“How Do I Choose a Plan?”

Many variables need to be considered in choosing the right pet health insurance plan, including your financial circumstances, the environment in which you live, whether or not you have other pets, and what veterinary service you do business with.

First, if you already have a vet with whom you have a trusting relationship, you need to find out what pet health insurance companies they accept. Most vets limit the number of insurance companies they work with, as doing so makes it easier for them to recommend a treatment course of action that they know will be a covered expense.

“What Procedures Are Covered by my Plan?”

Another point to consider stems from the fact that depending on the procedure that is recommended for your pet, a referral to another specialist, animal hospital, or veterinary school may be necessary. In this case, you want to be sure that the services of the referred specialist are also covered by your plan.

Naturally, you also need to weigh the various insurance options available to you. There are various levels of coverage available, with some being far more comprehensive (and somewhat more expensive) than others. Make sure that you fully understand what is covered under your plan. While surgical procedures following an accident may be covered, for example, other conditions may not – such as pre-existing conditions or disease that may be related to a hereditary condition.

“What Level of Deductible is Appropriate for Me?”

In choosing your plan, you will be given a choice of the level of deductible. This is the amount of money that you will have to pay before the insurance kicks in. Generally speaking, the higher the amount of the deductible, the lower your monthly premium will be. Sometimes the deductible may be per-incident, or in other cases, there may be a yearly deductible. One plan may offer 90% coverage with a 10% deductible, for instance. Since it’s impossible to know which option would ultimately be the least expensive, most people choose an option that represents a compromise: a monthly premium that can fit into their budget, and a deductible that will be affordable if the situation arises.

“Are Prescription Medications Covered?”

Prescription medicines are usually not covered as a matter of course, though some companies may offer this as an option for an additional fee. Chronic conditions such as feline diabetes require medications that can be quite expensive, so this may be an option worth considering. Bear in mind that this coverage may only include the cost of the medication alone, and not the cost of the corresponding office visit to your vet.

“Do Insurance Plans Offer Wellness Treatment?”

More comprehensive pet insurance plans may include coverage for certain preventative procedures. This ‘wellness treatment’ may include certain procedures such as vaccination shots, or neutering and spaying. The costs of these treatments are fairly predictable, and so this coverage may not save you money in the long run, but it would allow you to amortize the costs of these procedures over time, making budgeting for them a little easier.

“What Course of Action is the Least Expensive?”

Ultimately, we can never be certain about which course of action will be the least costly to us. Taking out insurance is really no more than placing a bet – but it’s a bet that we hope to lose. We don’t want to have accident or a fire so that we can take advantage of our auto or home insurance policies. Similarly, we may choose health insurance for our pet, but we want our pets to remain healthy. At the very least, pet health insurance can afford us peace of mind.

“What Must I do to Determine if This is Right for Me?”

It would be wise to research and understand insurance options for your pet before you need it. If your pet is robust and healthy, it may make sense to hold off. If your pet is older or more prone to illness, having health insurance may save you a lot of money. Prepare yourself with the necessary knowledge so that you can make an informed decision. Find out what insurance companies are accepted by your vet. Get information from those companies, comparing plans, costs, and coverage. Determine what you can afford based on your financial circumstances. In this way you will be prepared to best deal with lapses in your pet’s health in a way that is compatible with your budget.

—————————

As dogs continue to become a more integral part of families, dog products continue to evolve to address the full range of needs for our four legged family members and the desires of their owners. For example, medical insurance for your pet is becoming more and more accepted for mainstream dog owners while in years past the idea of spending thousands of dollars on medical procedures for pets was not common. Another area where there has been some really interesting development is in the area of dog toys. Once dog toys were more focused on simple entertainment for you and your dog, now they are becoming more advanced addressing not only the physical needs of our pets but also go deeper in addressing the mental needs as well.

While certain dog toys will remain timeless, the ball, the rope toy and various chew toys, new dog toys are constantly being developed for our four legged children. The Treatstik is a perfect example of an innovative and evolutionary toy in this current wave of products for dogs that seeks to address deeper needs.

It is a tough nylon treat dispensing toy that gives your dog hours of mentally stimulating fun as your dog rolls the toy and it randomly dispenses hidden treats. It stimulates your dog’s mind, while relieving boredom and separation anxiety. Plus they get a chance to work for their food instead of it just being handed to them in a bowl. Treatstiks are perfect for those days that you leave your dog at home and can not afford to pay for a dog walker or bring your dog to daycare. They will spend a few hours eating their breakfast instead of gnawing on your furniture or shoes or…

It can be used to feed your dog as well. Instead of having your dog rapidly eat their food in a matter of seconds. My Kona would eat so fast we would often see her food seconds after she had gulped it down. The Treatstik forces your dog to eat slowly throughout a longer period of time. So if you have a dog that eats too fast, Treatstiks might be a good way to control your dog’s eating habits.

Since your dog has to eat slowly the Treatstik may help controlling your dog’s weight. They are made from a heavy nylon material and can stand up to strong chewers. It has a large screw cap opening for easy filling and is dishwasher safe. It is made in America by a small family-owned company in Vermont

It comes in two sizes, small which is 6″ long and is best for dogs 10 – 40 lbs. The small holds about a cup of food and the large which is 9″ long and is best for dogs over 40 lbs. The large holds about a cup and half of dog food.

I have two dogs, Lucy a Great Dane and Kona a Chocolate Lab. They both love their Treatstiks and play with them whenever I give it to them. Kona likes her Treatstik a little more than Lucy, but Kona has a tremendous food drive like most labs. I am pretty sure I could feed her a whole bag of dog food and she would watch me very closely as I ate my dinner. She would weigh more than I do if I did not watch the food that she eats.

As dogs become more family members and less viewed as pets we will continue to see changes in the pet industry to address these issues.

Sharing your home with a cat is the greatest joy in life, as she offers you love companionship and loyalty. Since we spend a lot of money on providing our cat with best medical and healthcare benefits, we need to search for a financial backing to reduce this financial burden. Cat insurance is policy that can cover overall medical and healthcare expenses of our loved cat; in fact, it can effectively reduce our financial burden, as it covers and reimburses all medical bills of our cat. Generally, these policies are tailored by taking your cat’s average age into consideration; therefore, premiums and financial benefits are determined after analyzing every aspect carefully. Definitely, these policies are affordable and never let you pay from your own pocket. Normally, these policies cost $ 2,000 to $ 6000 but the compensation amount depends on paid premiums and purchase value of the policy. However, a cat owner can be rest assured that his or her cat will get the finest medical and hygiene benefits and he or she will be immediately compensated for every injury and disease.

In fact, these policies help a cat owner in dealing with monstrous medical bills of his or her loved cat. Studies have affirmed that most of the cat owners have secured their cat’s life with cat insurance policy, as they are finding these policies highly beneficial and helpful in dealing with their cat’s medical expenses. Therefore, if you are one of those people who care for this sweet little creature, then get an insurance policy for your loved cat and provide her the best care during illness or injury. It is for sure that with this cat insurance policy, you will be able to afford the finest medical treatments and healthcare procedures for your cat.

With these policies, you will never have to borrow money for your cat’s treatment as it will cover all her medical expenditures from the very first day of buying the policy. Since people have become coconscious about routine check-ups and hygiene procedures of their cat, revised insurance policies also cover these expenses. There are few policies that cover medical expenses up to 90%, so that the cat owner never needs to cut down his or her cat’s routine expenses. It is quite true that illness or injury of your loved cat can take away your peace of mind therefore, buy a cat insurance policy for your cat and secure every aspect of her life.

When your cat is ill or injured you will need to take her to the expert veterinarian, so that she may feel better; however, this expertise comes with high cost but with these policies you can go for them without thinking about the arrangement of money. These cat insurance policies enable you to afford supreme healthcare benefits of your cat and never let you face the scarcity of finance. In fact, with these policies, you can also claim for vaccination and hygiene expenses of you cat, as insurance companies that offer these policies also work with a wide network of routine check up clinics.

The idea of a Siberian husky pops in mind whenever one considers adopting a dog which would suit the general needs of the family. Indeed, with its gentle nature and liveliness, Siberian huskies are suitable even for families with small children. When considering whether to get a Siberian husky, it is important for families to carefully evaluate if they have the time and ability to care for the dog in the first place. The fact is, Siberian huskies do require a substantial amount of care in order to ensure their good health and physical well-being.

The first step to caring for your Siberian husky would be to provide adequately for its nutritional needs. Generally, Siberian huskies require ample supplies of fresh food and water for their growth. To meet the dog’s nutritional needs, ample supplies of white meat and fish is necessary. Siberian huskies require a great deal of protein and fat in their diet in order to prevent growth of hip dysplasia, which is a common illness found in the Siberian husky breed. High quality fresh food is preferable to commercially available food for the case of the Siberian husky. Also, supplement your Siberian husky’s diet with ample amounts of fish oil. Canned sardines provide a relatively cheap source to this and contain high levels of Omega 3 required for the husky to develop healthy coats of fur and nails.

Subsequently, it is important to take your Siberian husky to regular health checkups at the local vet. Checkups are important as they allow the vet to monitor and assess the overall health of your Siberian husky. Vets also provide valuable advice on many issues regarding your Siberian husky. This ranges from nutritional needs to training needs. Regular checkups are also an insurance against various forms of dog-related diseases. In general, such diseases are easily treated if diagnosed at an early stage. Thus, checkups are an essential part of taking care of your Siberian husky.

You would also need to make sure that your Siberian husky’s needs for affiliation are met. Siberian huskies are animals that mix around well in packs. A lonely Siberian husky would often resort to mischief such as digging holes in your garden in order to entertain itself. You could either choose to get another Siberian husky or choose another pet altogether, such as a cat as its companion. However, it is important to note that companionship for your Siberian husky should start when your husky is a puppy in order to facilitate ease of interaction with the other husky or pet. In any case, Siberian huskies are relatively well-mannered are should not have much difficulties in getting along with other animals.

At the end of the day, time, commitment and effort are of utmost importance when it comes to caring for your Siberian husky. Would-be dog owners who are unsure of their priorities should not get themselves a Siberian husky as it would often only lead to suffering and perhaps even abandonment for the dog. But for those who are able to make a firm commitment, you would definitely find the time spent with your Siberian husky to be intrinsically satisfying in the long run.