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Texas Pet Insurance

Posted on: June 21st, 2011 by

A dog with Texas pet insurance licks a child.

Pet owners across the U.S. have the same concerns: Keeping their beloved companions happy, safe and healthy. With that in mind, cat and dog owners are opting for pet insurance.

And pet owners who live in Texas are no different. They want Texas pet insurance policies that are affordable, flexible and user-friendly, offering inclusive coverage that will give them peace of mind when it comes to their precious family members.

Visit Any Vet in Texas
If you live in Texas, you want to know that your dog or cat can visit any properly licensed veterinarian in any part of the state. Be sure to choose a pet health insurance plan that allows for that. Remember, you may be traveling to another part of Texas with your pet. If he had an injury or illness, you wouldn’t want to waste precious time finding a vet in that city that was approved to see your pet.

Texas pet owners want to be sure that their pets can receive emergency and specialist veterinary care in addition to just routine services administered by a generalist veterinarian. When shopping for Texas pet insurance, pet owners will want to make sure the plan they are considering covers these “special circumstances.”

Rising Cost of Vet Care
With medical advances being discovered every day in veterinary science, the fees for quality care are increasing. Some statistics reflect that fees for veterinarian care are doubling every 13 years! But with comprehensive, lower-cost pet insurance coverage, you can expect to benefit from these advances when your furry family member needs care. Texas pet parents are choosing to offset the costs of pet care with their pet insurance plans.

Being Good Pet Parents
Texas, like other Southern states, has special concerns for pets. Hot climates, large insect populations and dangerous wildlife are just some of the Texas-specific threats to pets that Texans must be vigilant about.

Indemnity Insurance
Unlike most current health insurance plans for people, pet insurance plans are called “indemnity.” What this means is that you pay for the vet’s services up front and then submit claims to get reimbursed later.

Each state has different regulations regarding insurance. Pet insurance companies must comply by each state’s Department of Insurance guidelines. When choosing a plan to cover your pet, be sure to find out if there are particular aspects of pet insurance policies that are specific to Texas pets.

Can you dig it?

Posted on: June 20th, 2011 by

Dog insurance enthusiast and author Arden Moore's book.

Oh Behave!
Q&A with Pet Expert Arden Moore
For Pets Best Insurance

Q. My 5-year-old German shepherd-Lab mix has completely destroyed my garden with her digging. I ensure she’s healthy, happy and she even has pet insurance, but my yard looks like a minefield. I don’t know what to do to stop her. As soon as my husband fills up the holes, Greta digs them up again. Why is she is obsessed with digging, and how can we make her stop?

A. Many dogs love to dig in soft dirt or sand. I’m sure you’ve noticed how much Greta seems to be enjoying herself when she digs. In the wild, wolves and other canids dig to create dens for their pups or to hide food. The instinct to dig remains strong in many domestic dogs who bury their bones or toys and scratch out cool places to rest during the summertime heat. Some dogs dig to burn off energy and relieve boredom. Unfortunately, digging, while not harmful to the dog, is destructive behavior that leaves owners frustrated and dogs in big trouble.

Before you can fix Greta’s digging problem, you need to understand her motivation for digging. Does she spend a lot of time alone in your backyard? Do you take the time to play with her? Is she exercised regularly? Both German Shepherds and Labrador Retrievers are high-energy breeds who need fun and mentally stimulating activities to help wear them out. If you don’t provide something for a dog like Greta to do, she will make her own fun, most likely in a way you don’t appreciate. This is probably why she has taken up digging.

Digging can be a difficult habit to break, because dogs find it so enjoyable. The key to fixing this problem is to give Greta less destructive ways to burn off her energy while also discouraging her from tearing up the yard.

Start by protecting your garden. One method is to put large rocks on top of the areas where Greta likes to dig. Fill in the holes that Greta has dug, and place rocks on top of these spots. Dogs usually prefer soft dirt to carry out their excavations, so for the larger areas, try spreading chicken wire out and staking it down while she learns to redirect her energy. Sprinkling or spraying the area with red pepper flakes, citronella or pennyroyal oil, or a commercial dog repellent will make the area less attractive to Greta. Trimming her nails may not curb the digging tendency, but could lessen the damage, so give her regular pedicures.

If Greta isn’t already trained, enroll her in an obedience class. Most dogs need a job to do to occupy their minds, and both German Shepherds and Labs have a strong work ethic as well as abundant energy. Teaching Greta obedience will give you control over her and give her something to think about besides digging, as well as building a closer relationship with you. If you have time, consider getting involved in a fun competitive canine activity like agility or fly ball. Greta would no doubt love to get involved in one of these high-energy sports.

It is very important that you properly channel Greta’s excess energy. If you need to leave her outside in the yard while you are away for a few hours during the day, take her for a long walk or play a vigorous game of fetch with her in the morning to tire her out. Provide her with alternatives to digging, such as a hollow, hard rubber toy stuffed with treats, to occupy her time. Because she is a high-energy dog, she may need a diversion in the middle of the day to distract her from digging.

Hire a professional pet sitter or dog walker, or ask a dog-savvy neighbor to come and play ball with Greta or take her on a long walk during the day. Relieving her boredom and wearing her out physically will go a long way toward discouraging her digging instincts.

In addition to the above, you might compromise a bit and give Greta her own turf to tear up. Try taking a plastic kiddy pool (available at major discount chain stores for around $10), filling it with dirt, and hiding a few dog biscuits and toys for Greta to sniff out and discover through digging. If you catch her digging on your turf, clap our hands or do something to startle her so that she will stop digging and look at you. Then direct her to where she is allowed to dig. If you praise her for digging appropriately in her own patch of real estate filled with canine goodies, she will be more likely to ignore the rest of your yard.

Confounded by your canine? Frustrated by your feline? Relax. Pet expert Arden Moore is here to deliver the real truth about cats, dogs…and you with her column appropriately called, “Oh Behave!”

Pet insurance lover and pet author Arden Moore.

On a regular basis, Arden will unleash excerpts from her two award-winning books, The Dog Behavior Answer Book (named the top training and behavior book by the Dog Writers Association of America) and The Cat Behavior Answer Book (named the top training and behavior book by the Cat Writers Association). Learn more about Moore, who hosts the “Oh Behave!” show on Pet Life Radio www.petliferadio.com – the No. 1 pet podcast in the world — by visiting her Four Legged Life website (www.fourleggedlife.com).

Cat Scratch Fever

Posted on: June 17th, 2011 by

Pet insurance advocator Arden Moore's book cover.
Oh Behave!
Q&A with Pet Expert Arden Moore
For Pets Best Insurance

Q. I’ve always had fish and turtles, and finally decided that I was ready for a more complicated, interactive pet. After researching pet insurance, I recently adopted a big orange tabby from the local animal shelter. Gus is great, but he loves to claw and tear at his scratching post. Luckily for me, he leaves my couch alone. Why does he have this need to scratch?

A. Bravo! With no disrespect intended for the fish and turtles in your life, I am happy that you are ready and willing to enjoy the perks of feline companionship. And I am happy to hear that you adopted from a local shelter because you have given a homeless cat another chance.

Scratching, as you have discovered, is one of the signature actions of cats. Even declawed cats will perform scratching gestures. You are lucky that Gus adores his scratching post and not your expensive sofa. Cats scratch for a couple of reasons. One reason is to keep their claws in shape – what I call a “peti-cure.” Those scratching sessions remove the dead outer nail covering and hone the claw’s shape and sharpness, keeping Gus prepared to defend himself or to pounce on a passing toy mouse.

However, the paramount reason cats scratch has to do with turf talk. When Gus scratches, he is leaving a feline business card, if you will. He not only leaves physical marks, but also the scratching action releases a scent from the sebaceous glands in his paws that communicates to other cats – and to himself – that this is his domain.

You mention that you are grateful he only scratches the cat post, but I’ll bet if you pay close attention, you will discover that old Gus is pawing and rubbing his face to leave his scents on doorways and wall corners. It appears as a dirty, oily discoloration on the walls and doors. This is another form of feline scent marking.

Confounded by your canine? Frustrated by your feline? Relax. Pet expert Arden Moore is here to deliver the real truth about cats, dogs…and you with her column appropriately called, “Oh Behave!”

Author Arden Moore and her pets with pet insurance.

On a regular basis, Arden will unleash excerpts from her two award-winning books, The Dog Behavior Answer Book (named the top training and behavior book by the Dog Writers Association of America) and The Cat Behavior Answer Book (named the top training and behavior book by the Cat Writers Association). Learn more about Moore, who hosts the “Oh Behave!” show on Pet Life Radio www.petliferadio.com – the No. 1 pet podcast in the world — by visiting her Four Legged Life website (www.fourleggedlife.com).

Getting cat insurance quotes

Posted on: June 15th, 2011 by

A cat with cat insurance looks at the camera.

Cat insurance plans vary just like dog insurance plans. You’ll want to compare the coverage provided from a few pet insurance plans before making your final selection.

But before you choose a plan and discuss it with the company’s representative, you’ll want to get some basic information. One way to compare health plans is to get cat insurance quotes from different companies.

You may also find that a plan’s premiums are simply cost-prohibitive. We don’t like to put a dollar value on pet health, but it’s best to find affordable coverage. You can get information about rate quotes on the pet insurance plan’s sites.

Putting in Your Cat’s Information

On the pet health insurance website, you’ll be asked to enter some information about your cat:
• Cat’s name
• Cat’s age
• Cat’s breed
• Your zip code (Some sites may require additional information.)

On most sites, your quote will automatically be calculated. You can then select the plan and deductible that will work best for you and your pets’ needs.

Pet Insurance Comparison: Plans
Some companies will also have a side-by-side comparison chart so you can see how they stack up against others. Most of the time a “sample” pet is used for the cat insurance comparison, such as a “domestic shorthair cat under 1 year old.”

Keep in mind that these pet insurance quotes are mainly for informational purposes, but they will give you an idea of a plan’s coverage costs. For more information about pet insurance visit www.petsbest.com.

Feline obesity: An increasing problem

Posted on: June 14th, 2011 by

An overweight cat with cat insurance lounges around.
By: Dr. Kerry Fost
Managing DVM
The Cat Doctor Veterinary Hospital
For Pets Best Insurance

Feline obesity is a real disease affecting our pets’ health. It may be the most prevalent form of malnutrition in domestic cats. In the United States 44% of cats between the ages of five and eleven years are overweight.

Though we may see our “roly- poly “ feline friends as cute and cuddly, obesity has detrimental effects on pet health and longevity. Obesity related diseases in cats include osteoarthritis, diabetes, heart and respiratory diseases, constipation and an increase in some cancers. These are not so cute and cuddly.

The main reason for development of obesity in any animal is consuming more energy than is expended. As a veterinarian, my clients often tell me that their kitty really doesn’t eat that much. But if your cat is overweight, it is consuming more calories that it is burning no matter how little that food amount seems. This energy imbalance can occur with excessive dietary intake of calories through food or treats, or decreased energy expenditure due to illness, injury or inactivity.

One risk factor for obesity in cats includes being an indoor only cat. Indoor kitties don’t have to burn energy to keep warm outside and they often don’t get much exercise. Owners who have dry food available in the bowl all the time risk overfeeding. It only takes a few extra kibbles of food daily to put on pounds yearly. Neutering is also a risk factor for weight gain due to hormonal changes that may reduce metabolic rate. Neutering does prevent a number of other pet health risks and should not be avoided to prevent obesity.

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Aside from ensuring our cats have pet health insurance and routine exams, there are a few other things we can do to help our cats stay healthy.

First, carefully control the intake of calories. As soon as a pet is neutered, stop free choice feeding and you can reduce intake by about 25% to account for reduced energy needs. Kittens do not need to be fed a kitten food through one year of age. If they are neutered at five months they can be switched to an adult food. As we all know, it is easier to prevent weight gain than to fix it once it has happened. The average 11 pound house cat doesn’t need more than 200 kcals per day.

Second, meal feed a measured amount two to three meals a day. Your cat can be trained to a meal time. If you have more than one cat you will have to become the food police. Either separate the cats behind closed doors during meals, or feed in separate bowls several feet apart and stand there and remove any left over food when one walks away. Unlike dogs, cats often love human contact when they are eating. If you have to stand there, pet and talk to them making it an enjoyable social activity for everyone. Love with attention, not with food.

Third, feed a high protein, low carbohydrate diet. Cats are true carnivores. They have an obligate need to eat protein. They use this protein for energy and their digestive systems are not designed to utilize large amounts of carbohydrates. Carbs that are not immediately used for energy will be stored as fat. High protein, low carb diets also help normalize appetite, reducing the cats urge to eat constantly because they are satisfied.

Forth, if at all possible feed canned food. The commercially available diets highest in protein and lowest in carbs are canned foods. But you must read the label. Not all canned foods are high protein, low carb.

There needs to be a meat source in the first couple of listed ingredients, not a grain or starch. To manufacture dry food, it is extruded (made into a biscuit). Carbohydrates are required in the cooking process, and thus, it is difficult to achieve a very low carb dry diet. Also many of the available high protein, low carb dry foods are not low calorie, so it is easy to feed too much. Most canned foods range from 30-40 Kcals per ounce. So a 5.5 ounce can is perfect for feeding an 11 pound cat in 24 hours.

Fifth, get that cat moving. Burn those calories. Obviously it is easier to exercise a dog than a cat. How often do you see someone walking their cat on a leash through the park? But if a cat is only eating 200 kcals a day every little bit of exercise helps. Get them going up and down the stairs. Give them elevated perches to climb, paper sacs to investigate, laser pointers to chase, a variety of toys. Cats can learn to fetch or play hide and go seek.

By keeping our feline friends at an optimal weight we can help them live a longer, healthier and more comfortable life. Who wouldn’t want that?