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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.

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How do you purchase the food for your dog?  Do you feed your pet high quality, nutritious dog food?  Or do you look for a cheaper brand?

There are some ingredients that you must absolutely avoid in buying your dog’s food.

These include any wheat product such as wheat gluten or middlings, corn gluten or corn meal, or soybean meal.  All of these ingredients are used as a poor substitute for protein.

Wheat and corn are used as fillers.  They are also very hard to digest by our pets.  Corn, wheat, and soybeans are common pet allergens and should be avoided.

Artificial food coloring is in many foods.

It is used in an attempt to make the food look like fresh meat or fresh fruits and vegetables.

Unfortunately, the colorings are made from chemicals.  Scientific studies have shown that artificial colorings make hyperactive children more hyperactive.  These chemicals will impact our pets in the same way.

Chemical preservatives are widely used in pet foods.

BHT, Butylated hydroxytoleuene (BHT), also known as Butythydroxytoluene and BHA, Butylated hydroxyanisole and Ethoxyquin are used as artificial preservatives to keep the food from spoiling.

These unnatural chemicals should be avoided in our pet’s food.  Scientific studies show that they can cause serious damage to their kidneys, their liver, and other parts of their bodies.

Tocopherol is a natural source of vitamin E.  Good dog food should use this ingredient as a natural preservative.

Many pet food manufacturers put by-products in their food.

Why do they do that?  Is it because these by-products provide such good nutritional value?  I don’t think so.

By-products are a great way to keep costs down and put more profits into the pockets of the large companies that manufacture the food.  They provide a very low-quality protein for our pets.  Instead, chicken, chicken meal, lamb, fish, and fish meal should be the major source of protein for our pets.

These by-products are considered “not fit for human consumption.”  They include necks, beaks, intestines, heads, lungs, ligaments, brains, feet, and more.

Many dog food manufacturers use lower standards as far as the freshness of their food.

Some stamp their food with a “use by” date.  But that doesn’t consider the fact that the ingredients may be very old when they are put into the food.

We always hear that “we are what we eat.”  This statement is true for our pets.

Poor protein sources, artificial chemical ingredients, lack of fruits and vegetables play a major role in damaging our pets’ immune system.

They prevent our pets from having the ability to fight off free radicals.  These ingredients will negatively affect the health of our dog whether it be in allergies or serious disease.

At first your pet will show little if any effect from the inferior food.  But over time, they will show signs of allergies – scratching, ear infections, etc.  Or it could be in the form of serious disease such as urinary tract issues, kidney problems, lack of energy, and joint issues.  It will result in rising vet bills.

The bottom line is that by feeding lower quality food, we are slowly killing our beloved pet.

The good news is that it may not be too late to make a change.

You can make a change to a natural, high quality, nutritious dog food.  It will help build a strong immune system and a foundation for solid health.  It will allow your dog live a longer, healthier, and happier life.

On the other hand, don’t be fooled by labels that say, “Ultra Premium Formula,” “Highly Digestible,” “High in Anti-oxidants,” “Rich in Omega-3 Fatty Acids,” etc.  Don’t believe what you hear in television commercials selling dog food.

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.