What Are Pet Accident Plans & What Do They Cover?

Two dogs who had recent injuries and were covered with the Pets Best Accident Only Pet Insurance plan.

By Therese Pope, a freelance writer based in California.

Even if you keep a close eye on your furry family members, accidents can still happen. In 2014, the ASPCA’s Animal Control Center handled more than 167,000 calls that involved pets who were exposed to poisonous substances. 16 percent of those calls were related to accidental ingestion of human medications. Curious kittens and puppies tend to chew and swallow harmful items. Pets can accidentally ingest toxic household cleaners and human food, such as chocolate, is life-threatening for animals.

By purchasing an Accident Only pet insurance plan, your pets are covered for unexpected emergency accidents and injuries. Pets Best offers a budget friendly Accident Only plan for both dogs and cats.

Playful, Active Pets Are at Higher Risk for Accidents

Some animal breeds tend to be more playful and energetic, and are known for getting into mischief. For example, Beagles are escape artist dogs and Australian Shepherds love to jump over high fences which increase their chance of injury. If you live in rural/remote areas, especially in the southern or southwestern U.S, your pets could be at risk for snake bites. Pet MD reports there are fifteen different species of poisonous rattlesnakes in the United States.

Even if you supervise pets, accidents can still happen while out walking your dog or at the dog park. Pet Guardian Angels of America report that the most common injuries in dogs and cats include lacerations, bite wounds, torn nails, insect stings and bites, abrasions, and punctures (caused by a sharp nail or broken glass).

Accident Plans Don’t Cover IllnessRead More…

How Pet Insurance Premiums are Calculated

Pet insurance premiums can depend on the dog or cat's age, breed, and where they live.

By Therese Pope, a freelance writer based in California.

As pet parents, unexpected emergencies can happen with pets and vet bills add up quickly. With pet health insurance, you not only save money on vet costs each year but your pets get the highest quality medical care. With many insurance plans on the market, all at varying costs, it can be confusing to know why there’s a difference in price. Before buying a pet insurance policy for your dog or cat, it’s important to understand how premiums are determined.

I) Premiums are based on the pet’s information

Pets Best insures puppies and kittens as young as 7 weeks old and offers coverage for pets up to any age. Most pet insurance companies offer coverage starting around 7 weeks but as the pet ages, they may stop offering coverage all together. This is because young pets have lower premiums. Then as the dog or cat gets older, their premium will increase since like humans, pets tend to have more health problems as they age.

Some breeds are more prone to developing certain health issues. As a result, premiums are higher for breeds with many known health problems, while they’re lower for breeds with fewer known health problems.

Premiums are also determined by where you live. This is because pet insurance providers insure pets across the United States, and if you live in a large city, veterinary services cost more whereas in small towns they cost less.

II) Premiums are based on the plan’s coverageRead More…

How Pet Insurance Works

A veterinarian exams a dog with pet insurance. The pet insurance will reimburse the pet owners on their vet bill.

By Therese Pope, a freelance writer based in California.

As quality veterinary medicine becomes more advanced so does the rising cost of medical care for pets. Active pets, especially energetic puppies and kittens, are more likely to become injured; while illnesses and disease can affect pets of all ages. These unexpected trips to the vet can lead to expensive bills that take a big chunk out of your wallet.

As a result, proactive pet owners are now taking advantage of cost-saving pet insurance. According to the North American Pet Health Insurance Association’s report, 1.4 million pets were insured in 2014. By enrolling in pet insurance, you have peace of mind that your pet’s medical needs are well taken care of and you don’t have to worry about costly vet bills.

What’s Covered

Pet insurance companies offer a wide variety of plans to fit your pet’s coverage needs as well as your budget. Before signing up for a plan, carefully read the fine print and make sure you know what’s covered in your policy. Plan prices are based on a variety of factors including the coverage offered, as well as the pet’s age, location, and animal breed.

Pet insurance plans offer coverage for accidents and illness. Examples of accidents include broken bones, foreign object ingestion, and lacerations; while examples of illnesses include cancer, allergies, diabetes, and arthritis. Some plans may include emergency care, surgery, hospitalization, and hereditary and congenital conditions.

A few companies offer routine care plans to cover annual wellness visits, vaccinations, teeth cleanings, and so on. However, routine care plans are technically not considered pet insurance.

Pre-Existing Conditions Are Not Covered Read More…

Cat Breed Guide: Manx

A Manx cat with pet insurance from Pets Best.By Dr. Fiona, a veterinarian and writer for Pets Best, a dog insurance and cat insurance agency.

About the Manx

Weight:  8-12lb

Points of conformation: Medium sized cobby (compact) body with round features.  Small round tipped ears and short neck.  They have a slightly arched spine.

Coat: Dense, short, double hair coat with hard textured outer hairs.  Longhaired variety has silky textured medium length coat.

Color: All colors are accepted.

Grooming needs: Daily grooming is needed to prevent the undercoat from building up.

Origin: Isle of Man, England

Behavior Traits: Sweet and playful

Is a Manx cat right for You?Read More…

3 Reasons Cats Potty in Your Plants & How to Help

A cat stands next to the potted plant in the house where it often goes to the bathroom instead of in its litterbox.By Arden Moore, a dog and cat behavior expert and author of 26 best-selling pet books. She hosts the Oh Behave Show on Pet Life Radio and is a writer for the Pets Best pet insurance agency for dogs and cats.

You may be proud of your green thumb when it comes to growing an array of potted plants indoors until you discover your cat’s own feline “gardening” habits. Yes, some indoor cats view your indoor greenery as opportunities to munch on leaves and deposit “feline fertilizer” in the soil rather than using their litter boxes.

The consequences can be messy and smelly. Your cat’s urine inside the rich soil will emit a strong odor and his digging will spill dirt all over your floor. Aggressive digging cats can even uproot your prized plants and cause them to wilt and die.

I’m happy to report that you can have the best of both indoor worlds: a contented indoor cat and thriving potted house plants. First, it is important to understand why some cats do this.

Here are three top reasons behind this unwelcome cat behavior:

1. Some cats like the feel of soft dirt to dig out places to urinate or defecate.

2. Some cats are giving you a less-than-subtle signal that they view that their litter boxes are not clean enough to use.

3. The litter boxes you select may be too small for their liking or in locations that some cats wish to avoid – such as next to a noisy washing machine.Read More…

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