Pet Insurance Blog – Pets Best Insurance
Get a Pet Insurance Quoteor call 877-738-7237

Pet health: Does my pet need to be vaccinated?

Posted on: September 30th, 2010 by

Posted by: H.R.
Pets Best Insurance Editorial Manager
A veterinarian holds a small dog.

Pet owners often ask themselves why they should vaccinate their pets. According to Dr. Gloria Dorsey, DVM, MPH, and director of medical services at the Atlanta Humane Society, “While responsible pet ownership is not always cheap, you owe it to your new best friend to make sure that they are kept healthy throughout their lives.”

Keep pet health a top priority by keeping them up-to-date on vaccinations. Vaccines are important because they can protect your pet from getting diseases– many which can be life-threatening. Puppies and kittens should get a series of vaccines in the first year of life to ensure proper pet health and that they are protected from dangerous diseases.

Mother animals pass their immunity on to their offspring via the colostrum in her milk. The immunity from the mother usually loses its affect around 5 weeks. Puppies and kittens are given vaccines to help build up their immunity to common diseases. The vaccines are usually repeated every 3 to 4 weeks, until they are 5 months old, to make sure that the animal is fully covered by the vaccines.

Rabies is a disease that affects both cats and dogs. Humans can also be infected with rabies by being bitten by an infected animal. Domestic animals will usually contract rabies from wild animals like foxes and raccoons. The rabies vaccine is the only vaccine that is required by law in most states. Low-cost pet vaccinations are available through some local animal groups and low-cost vaccine providers. By ensuring your pet gets vaccinated, you will be setting them up for long-term cat and dog health care benefits.

Top 10 things to consider when selecting a pet health insurance plan

Posted on: September 29th, 2010 by

A cat and a dog peer over a white wall.
Choosing the best pet insurance plan for your pet can seem confusing, but researching all of your options will help you compare pet insurance and decide which plan is the best fit for you and your pet.

The SPCA has come up with a list of “10 Things You Should Know Before Purchasing a Policy” to help you understand what you should look for when choosing a pet insurance company and an insurance plan for your pet.

1. The first thing they recommend is choosing a deductible that fits your family’s financial situation the best. Which type of plan would work better for your family– a plan with a lower monthly premium but a higher out-of-pocket cost, or a plan with a higher monthly premium with a lower out-of-pocket cost?

2. Another thing to look consider are policy limitations. Check the per-incident limit and the lifetime limit allowed. Make sure the limits are high enough to realistically cover the expenses of pet health care for your furry friend.

3. One of the most important things to look for when choosing a cat or dog health care policy is what the plan will cover. Review all of the details regarding what the plan covers and what is does not cover so you are sure of the coverage you will receive.

4. You and your veterianarian should choose the course of treatment for your pet. Choose a plan that won’t limit your treatment choices.

5. Make sure that you clearly understand how the reimbursement process works. There are two ways your reimbursement can be calculated. Either a percentage of your total bill will be repaid to you, or a percentage of a “benefit schedule” (which can limit reimbursement amounts) will be reimbursed to you. Be sure you understand how much of your pet health bills the plan will actually cover.

6. Find out if they allow you to choose any vet you wish or if there is a network of vets that you must choose from. You will want to be able to use your primary veterinarian, and any specialists your vet may refer you to.

7. Choose a plan that doesn’t limit your treatment choices based on a benefit schedule. Benefit schedules will also limit the amount you are reimbursed for treatment.

8. Go with a company that your vet recommends. Veterinarians will likely know which companies are better than others.

9. Check that the pet insurance is licensed in your state. If the company is licensed in your state then the state government regulates the company.

10. Give customer service a call to make sure they are helpful and available to answer any questions you may have. You want a company that you will enjoy working with not a company that you will have to work against.

How to stop your dog’s excessive barking

Posted on: September 28th, 2010 by

Posted by: H.R.
Pets Best Insurance Editorial Manager

Jayda the dog learns to contol her barking in a doggie class.An occasional bark from a dog can be a bit annoying in itself, but a dog that is constantly barking can bring on a whole new level of annoyance, especially when all you want is the dog to stop barking.

According to the dog health care expert and self proclaimed Dog Whisperer, Cesar Millan, continuous, excessive barking is your dog’s manner of sending you a distress signal and occurs if the dog’s needs are not being met.

Excessive barking often stems from boredom. When dogs aren’t stimulated daily, both mentally and physically, they can become mentally frustrated. A dog will communicate this frustration with barking. Being in control of your dog will stop his barking.

Some dog health care advice Cesar Milan offers to stop a dog from barking, is to use a physical correction or a sound correction. Once the dog stops barking, you need to make sure the dog is still not caught up in the moment before you step away. If the dog’s brain is still on alert he will begin barking as soon as you are not around him.

Remain calm when correcting the dog. Excessive barking will make you frustrated and will cause you to want to yell at your dog to stop barking. Dogs pick up on the energy of their owner. If you are agitated, the dog will pick up on it and will not calm down. A calm energy will help the dog become calm and stop barking.

Getting your dog out of the habit of barking will take time on your part to make sure his needs are being met. If you have exhausted all of your options, and you still have excessive barking, consult a behaviorist to help with the issue.

Cat health care: How to prevent hairballs in your cat

Posted on: September 24th, 2010 by

Posted by: H.R.
Pets Best Insurance Editorial Manager
A cat ensures proper pet health with grooming.
Having a cat means you have your fair share of cat hair. It’s not only a nuisance; it can cause cat health care issues. Dealing with cat hair can seem like a never-ending battle. Keeping the amount of hair that your cat sheds at a minimum will help control the cat health care issue and cut down on their chance of developing hairballs.

Cat hair balls are a common pet health problem in cats with longhair cats being more susceptible to them. According to Dr. Guglielmino, of the Cornell Feline Health Center, it’s normal for cats to vomit a hairball once every one to two weeks.

Hairballs occur from a build-up of hair in the cat’s stomach caused from habitual grooming. Most of the hair will pass through the stomach and intestines and will eventually leave the body when the cat relieves itself.

A hairball will form when some of the hair remains in the stomach. Over time the hair will become a ball-like shape. The cat will usually vomit to get rid of the hairball. The hairball can leave the stomach and travel through the intestines and cause pet health problems like intestinal blockage. When this occurs, surgery must be performed to remove the obstruction.

You can help your cat avoid hairballs by brushing your cat daily. This will help remove most of the excess hair, which will cut down on the amount of hair the cat will ingest. Another option for longhair cats is to have their hair cut to a shorter length. If your cat is prone to hairballs, discuss options with your veterinarian to keep your cat in the best pet health possible.

Cat insurance can mean longer, healthier lives

Posted on: September 22nd, 2010 by

Sophia, a cat with pet insurance, looks into the distance.

By: Chryssa Rich
Pets Best Insurance Marketing Associate

A few years ago, my parents adopted a beautiful Ragdoll cat from a local shelter and instantly fell in love with her. Just a couple of months later, however, they noticed she wasn’t eating or drinking normally.

X-rays revealed Sophia had an intestinal blockage. Surgery would’ve cost around $2,500 – not an amount most pet owners are prepared to shell out for a cat they’d just recently adopted. At the time, I had just returned from living outside the U.S. and none of us had heard of health insurance for cats.

My parents decided the price was too high, especially when there was no guarantee Sophia would be cured. So the vet helped us keep her hydrated with injections of fluids while we tried alternative methods to move the obstruction. We gave her little blobs of petroleum jelly and massaged her abdomen daily, and we fed her liquid food with a syringe. Sadly, her health continued to decline dramatically, the obstruction didn’t budge. Finally, my parents made the decision to have Sophia euthanized.

Every spring when the snow melts, my dad prunes the bushes around Sophia’s little grave and straightens the pink bow on the wooden cross over her. They acknowledge now that pet insurance could’ve meant a different path for Sophia. Even if her intestinal blockage had turned out to be genetic and incurable, they wouldn’t be left wondering, “What if?”

Cat Insurance Makes a Difference for Cats
Every day, more and more cat owners are realizing that cat insurance is a good idea. They learn that cat vet bills are just as expensive as dog vet bills, that cats get into trouble just like dogs do, and that pet insurance can offer real financial protection.

Brenda B. from Wisconsin has a story like Sophia’s, only with a happy ending. Brenda has cat insurance with Pets Best Insurance and that’s what likely saved his life. She writes: “My Ragdoll, Furby, needed surgery that would cost between $2,500 and $4,100. It would have broken my heart to have to put him down because I could not afford the surgery he needed.”

On our Facebook page, we often hear from cat owners about the benefits of cat insurance. Lisa O. of Missouri has two cats insured with Pets Best Insurance, one of which is a senior pet she couldn’t insure elsewhere. She writes: “Our kitty Felix is 15 and has ongoing kidney issues. Not only did Pets Best insure him when he was 14….they have covered over $3000 in medical bills….and never any hassle or worry for us.”

Lisa P. from California wrote on our Facebook Reviews page: “We just lost our 17 year old kitty. Having the insurance on her let us afford the medications she needed and any procedures to keep her going for many extra years.”