Pets Best Rolls Out New Web Pages for Veterinarians

Angela Klein — Fri, 22 Aug 2008 00:00:00 GMT

You Asked. We Listened!

These are exciting times at Pets Best! To keep up with our record growth, we have redesigned our web pages to better meet your needs.

See for yourself at www.petsbest.com/veterinarians

Specifically designed with you in mind, on the new web pages you can:

Request or Download an Information Kit
Order or Re-order Pets Best brochures
Sign up for the Pets Best Veterinary Newsletter
Learn More About Staff Trainings
Find Out How StaffBest Can Save You Money

Be sure to check out our new brochure that we've enclosed and order more online or by phone today!

You know that having pet insurance means that your clients are financially prepared and able to say yes to the best veterinary care and treatments available. Share the good news!

Go online to www.petsbest.com/vets and see how easy it is to share Pets Best with your clients.

Want to Learn More? We Make It Easy!

Join a Pets Best Webinar and get all your questions answered in a 30-minute interactive presentation. Learn more about pet insurance and why Pets Best truly is simply the best pet insurance available today.

Based on your feedback, we've expanded our Webinar offerings. Now you can pre-register for a Webinar at a time that's most convenient for you and your staff.

All you need to join is a high-speed Internet connection and a speaker phone.

Choose the date and time that works best for you
Log in to your webinar online at gotowebinar.com 5 - 10 minutes before your scheduled time
Call into the conference line (1-877-661-9832)
Enter your I.D. number (83301)
Enjoy your presentation!

Every Webinar has a question-and-answer session at the end to make sure your questions are covered. Register for your Webinar and you'll even be sent a reminder the day and hour before to remind you.

Learn more and have fun at the same time!

Go online to www.petsbest.com/veterinarians to learn more about staff training opportunities through Pets Best Webinars. Or call us at 1-877-738-7237 ext. 4. We'd love to hear from you!

On the Road Again! Travel Tips for Smooth Sailing with Your Dog

Angela Klein — Wed, 30 Jul 2008 00:00:00 GMT

There are few phrases in a dog's vocabulary that elicit joy like the phrase "Let's go!" As more and more families bring their pets along on their travels, we wanted to compile a list of tips to remember to help make your journey safe, memorable and fun.

The adage says that the devil might be in the details, but planning before you go will help not only relieve last minute stress but give you the knowledge you need to make choices you'll be happy with. Be sure to ask about the features, fees and restrictions of each hotel or campground you're considering as some establishments charge a flat fee where others offer a refundable deposit. Ask which category the prospective hotel falls in, since some can be as high as $100. Also, knowing that the motel you're wanting has a policy of no dogs over 25 pounds will help ensure that when you show up with your Great Dane that there are no surprises waiting for you, such as having to find another hotel at the last minute.

Speaking of surprises, we'll state the obvious here as a side note, but as more and more dogs are out and about, remember to pick up after your dog when you're traveling, whether you're at a campground, motel, dog park or even a rest area, to keep the good will and friendly attitudes toward our pets strong.

Other potentially obvious tips that deserve repeating when planning a trip:

Bring your dog's favorite toy or blanket.
If traveling by plane, don't feed your dog for six hours before the trip and be sure to check the airline's policies for caring for your dog if you can't fly together.
When traveling by car, allow extra time to get out and stretch and be sure to have plenty of water on hand so there's no risk of dehydration.
Remember that a tired dog is a happy dog. Exercise before you go.
Enter and unpack in your hotel room first. This will make sure that your scent is in the room before your dog enters it.
Bring along a first-aid kit and an extra leash, just in case.

As much as we all don't like to think about emergencies, the truth of the matter is that they happen. Plotting out several veterinarians on your route before you go means that if something happens, you'll know where to go without having to spend time looking. Use our Vet Locator to quickly find several options, including emergency clinics, in the areas you'll be vacationing.

Finally, be sure to remember things like water safety (yes, there absolutely are life jackets for dogs, and they're recommended) and avoid any potential for heat stroke and other summer dangers like hot cars and walking on black pavement for any period of time. (Ouch! Those poor paw pads!)

Most of all, whether you're going just up the road or halfway around the world, enjoy yourself. Pack up those doggy goggles, whatever he or she needs to be comfortable and repeat those wonderful words, "Let's go!" Your next adventure is just a road trip away.

Spotlight On: The Arizona Humane Society

Angela Klein — Wed, 30 Jul 2008 00:00:00 GMT

With one look at the Arizona Humane Society, it's easy to see that this group is so much more than just a shelter for pets in transition.

Founded in 1957 as a private nonprofit organization, the Arizona Humane Society works daily to stay true to their mission: to safeguard, rescue, shelter, heal, adopt and advocate for animals in need.

In addition to being Arizona's largest animal-welfare protection agency, the Arizona Humane Society provides free or low-cost spay/neuter services for dogs and cats in an effort to end pet over-population in the greater Phoenix area. Last year, nearly 20,000 surgeries were performed. They accomplish this at their campuses and on the road with their mobile spay/neuter and animal wellness centers that travel throughout the Southwest.

Each year, more than 50,000 pets are rescued and/or sheltered at the Arizona Humane society's campuses, and as the state-designated companion animal disaster response organization, they also provide services to pets in natural disasters.

In 2004, the Arizona Humane Society was honored as the National Shelter of the Year, chosen from over 300 other animal protection organizations throughout the United States.

Additionally, the Arizona Humane Society inspires community action through their efforts such as their Pets on Parade television show, educating groups on the importance of respect and compassion for all living beings through the Startdust Humane Education Program, and lobbying for laws that protect pets.

Pets on Parade, which holds the distinction of being the longest running show in the history of Arizona television, hit the airwaves in the Phoenix-metro area 40 years ago and features adoptable pets from the shelter.

To learn more about the Arizona Humane Society and their efforts, visit them online at www.azhumane.org.

Pets Best Insurance is proud to partner with the Arizona Humane Society and others in the Pets Best "Racing to Save Pets" campaign by identifying and confronting the key issues that cause euthanasia.

Dr. Jack Stephens, a veterinarian and the founder and pioneer of the pet insurance industry in the United States created "Racing to Save Pets" as a means to address and create a sense of urgency regarding the primary reasons that cause 3 million pets in shelters and millions more throughout the country to be destroyed each year.

"Racing to Save Pets" addresses the need for better support and understanding of our community shelters by raising support and awareness. Pets Best Insurance also provides its ShelterBest partnership program as a means to directly support shelters with community efforts and funding that can make the difference for countless pets that need and deserve to find homes.

By providing a better understanding of the human health benefits of pet ownership, raising awareness for smaller shelters and groups that need support, and providing an ongoing source of donations, "Racing to Save Pets" is partnering across the nation with shelters like the Arizona Humane Society and other adoption groups to make a difference and reduce unnecessary euthanasia.

You Oughta Be in Pictures!

Angela Klein — Wed, 23 Jul 2008 00:00:00 GMT

You Oughta Be in Pictures!

With summer fully arrived, the heat is on and we're looking for your best doggone and cool cat photos. Submit your dog or cat's best summer photo with a caption by August 15th and we'll post winners - one for dogs and one for cats - in the early September edition of the Pets Best Newsletter.

We love to hear the stories of the pets in the Pets Best family and look forward to getting to know more about yours!

Our sales manager, Steve Gardner, says he will personally be in charge of the photos, so we have high hopes that fun will be had by all.

In addition to bragging rights, Steve promises to send the winning dog and cat cool treats. (Bones and catnip have been mentioned so far, but one just never knows with Steve!)

So get in on the summertime fun and send us your favorite photo by August 15th. Also, Steve said that he loves putting pictures on our website, so when you send a picture to him remember that you are giving him permission to post it. We look forward to hearing from you!

Send your photos to Steve at sgardner@petsbest.com or call and chew the fat with him at 1-877-738-7237 ext. 311. (Or, in his words, regale him with tales of fun and mystery.) Give him a call. You'll be glad you did!

StaffBestT

Jennifer Jones — Fri, 11 Jul 2008 00:00:00 GMT

Staffbest™ - add value for your hospital, your staff and their pets

Thinking about offering a valuable incentive for your employees where you can also reap the rewards? Let Pets Best Insurance help.

Here at Pets Best we not only offer coverage to your clients, but we offer coverage for staff pets through our StaffBestTM program. When you enroll your hospital as a group you will receive a 20% discount* off your monthly premiums. This program can be a great cost effective way of offering care to your staff's pets in lieu of giving away services.
(*Discounts not available in all states.)

Take a look at how StaffBest™ can benefit your employees as well as your practice.

No longer discount the cost of veterinary care at your hospital. You can now offer your full range of services at your normal rates and your employees can benefit from our quick 80% claim reimbursement and ease of use.
You and your employees will have access to emergency care, specialists, and referral services while still having the peace of mind knowing you can receive 80% back, after the deductible.
StaffBest™ can be tailored to fit any hospital. You decide how many pets to enroll, which plan you'd like, and which payment option works best.

Our StaffBest™ program is one of our most valued incentives that we offer veterinary hospitals. Not only are you building a better rapport with your staff, but you can also save money by choosing to enroll your staff with Pets Best Insurance. This creates a "win-win" situation for both your hospital and your staff.

If you would like to receive a quote or have questions, please call our Veterinary Services Department at 1.877.738.7237 ext. 4 or email us at vetservices@petsbest.com

The Magic Bullet Fund

Angela Klein — Mon, 07 Jul 2008 00:00:00 GMT

Inspired by the love of a Siberian named Bullet, the Magic Bullet Fund is writer and editor Laurie Kaplan's labor of love for the dog who "graced (her) life for 12 years, 2 months and a day."

At 9 years of age, Bullet was diagnosed with late stage multicentric B-cell lymphoma. "I was horrified, terrified, and determined that I would not lose Bullet without a fight," Laurie writes on the Magic Bullet Fund website.

During the course of his treatment, the veterinarian who provided chemotherapy treatments for Bullet insisted Laurie write a book to help others who have dogs with cancer. Help Your Dog Fight Cancer, the result of that encouragement, quickly became a preferred resource for pet owners facing this difficult and often overwhelming disease.

Coinciding with the book's publication, Laurie founded the Magic Bullet Fund to help people who have dogs with cancer but cannot afford to pay for treatment. "I often thought about how very lucky I was to be able to pay for Bullet's treatment and how devastated I would have felt if I could not," she said.

"The Magic Bullet Fund is about giving every dog the chance he or she deserves to survive cancer," Laurie said. "At best, it is about beating cancer. At least, it is about giving people and their dogs more time together - more time to create a few more precious memories." Bullet survived his battle with cancer and lived until he was nearly 14 when Laurie lost him to renal failure.

Because canine cancer treatment ranges on average between $600 and $6,000, the Magic Bullet Fund connects donors and potential donors with dogs and their families who need help. A secondary mission to help heighten public awareness about canine cancer through educational efforts is included in the organization's mission statement. First and foremost, however, "the fund's mission is to provide cancer treatment for dogs whose caretakers are unable to provide treatment - dogs who would not have cancer treatment at all without our assistance," Laurie said.

Learn more about the Magic Bullet Fund and how you can help make a difference at www.themagicbulletfund.org.

Working with the Magic Bullet Fund is one of several efforts by Pets Best to help pets and pet owners who are dealing with cancer. Visit www.petcancerfoundation.org for more information and a special offer with a veterinary oncologist.

Helpful Hints When Filing Claims

Angela Klein — Mon, 07 Jul 2008 00:00:00 GMT

While we've worked to make filling out claims as simple as possible, we wanted to share with you some tips to help speed the processing of your claim and make sure that reimbursements reach you as quickly as possible.

Making sure a claim is complete is the single most important thing you can do. Use this checklist to help:

___ Have you filled out all required fields?

Hint: listing why your pet was brought to the office or hospital is incredibly important and often overlooked - Unless your vet lets us know why the pet was seen, we won't know!

___ Have you signed the form?

Insurance regulators say that we have to have this from you in order to pay your claim. It's also the most common problem when it comes to incomplete forms. Double-checking each time will ensure faster payment.

___ Has your vet or designated hospital staff member signed the form?

Ditto on the above.

___ Have you included a copy of the detailed hospital invoice showing payment - not just a payment receipt but something that shows the charges for the services that were provided?

Without a paid invoice, we won't know that A) your vet has been paid so that we're allowed to reimburse you; and B) that the charges were for medications and procedures related to an illness or an accident (or wellness if you have the BestWellness plan in addition to your policy), not things like food, books, videos and other items not covered by insurance.

___ If you faxed your claim form and invoice to us, was it right-side up?

We do it, too, so we know it happens. When claims are faxed upside down, nothing comes through. If you haven't received an email from us saying that we received your claim, chances are that it may have been faxed upside down.

Claim receipt emails are usually sent within 12 to 24 hours after we receive them. As always, please feel free to call us if you ever have any questions about the status of your claim. 24 hours after receipt, our Customer Service representatives will be able to confirm that your claim was received.

Once your claim is processed, we'll make a note of it in your account online. If you haven't set your account up yet, it's easy! Just log on to the Pets Best Customer Portal and we'll walk you through the set up.

Again, anytime you need help, we're happy to answer your questions. Please do call us! 1-877-738-7237 (1-877-PETSBEST). Thank you again, as always, for the opportunity to serve you and your pets!

Insurance and Pre-Existing Conditions

Angela Klein — Tue, 17 Jun 2008 00:00:00 GMT

PETS BEST INSURANCE & PRE-EXISTING CONDITIONS:
A paw's on reference to understanding our policy

At Pets Best Insurance we strive to fully educate Veterinary Associate Providers on our policies. Part of this commitment involves explaining what Pets Best considers as pre-existing. One of the questions we hear most often is: What about pre-existing conditions?

A pre-existing condition is one that was present prior to the original policy effective date or within the waiting period, whether diagnosed or not.

Unfortunately, many pet owners wait until an illness or accident occurs to purchase their policies, which means that those injuries and illnesses cannot be covered. This is why we encourage purchasing insurance as soon as possible, ideally when pets are puppies and kittens.

The following are a few examples to show how our policies work:

If pet has an accident, such as a broken leg, prior to the effective policy start date, that particular broken leg would not be covered. If the pet breaks any leg again three months later it will be considered a separate incident and will be covered at 80% of the bill, after the deductible has been met.
Potentially fatal or debilitating chronic conditions restrict a pet's eligibility to enroll in a full medical plan. For example, if an uninsured six-year-old boxer develops lymphoma or diabetes before enrolling in a plan, those conditions would not be covered and that pet would not be eligible for full illness coverage. However, we would be able to provide accident-only coverage as this plan is available to any pet, regardless of past medical history.

We understand that there may be negative connotations towards the term "pre-existing condition." Let us reassure you that no matter the pre-existing illness we are always happy to offer our full accident coverage.

If you have additional questions or need further explanation on this or other items, please feel free to contact our Veterinary Services Department at 877-738-7237 x4 or email us at vetservices@petsbest.com. We appreciate your continued support and thank you for choosing Pets Best!

Weathering the Summertime with Your Pets

Angela Klein — Thu, 05 Jun 2008 00:00:00 GMT

Weathering the Good Ol' Summertime with Your Pets

As spring turns to summer, dogs and cats everywhere are beginning to feel the heat! To help you and your pets get through the summer, we've compiled a list of helpful tips to keep your four-legged friends healthy and happy.

You've heard it before, but we'll say it again. Never, never, never leave your pet in the car, even for just a few minutes. Temperatures in cars can reach 120 degrees quickly when the weather is warm. Because dogs and cats don't perspire and can only release heat through their paw pads and by panting, pets left in hot cars are at risk for heat exhaustion, heat stroke, brain damage or death.

Another temptation to avoid is putting dogs in the back of pick-up trucks. Flying debris, accidents or even sudden turns or stops all pose threats to dogs left in this vulnerable position. Keep your dog inside or in a secured crate in the bed of the truck.

Plant food, fertilizer and insecticide are all common during the summer but pose another hazard to pets. Be sure to read the directions carefully and keep your pets away from fertilized areas and especially away from bags of fertilizer, insecticide and plant food, which can be fatal if ingested. Watch out, too, for the 700+ varieties of plants that can produce physiologically active or toxic substances that are harmful to your pets.

Check with your veterinarian to see if your pets should be taking heartworm prevention medication. Transmitted by mosquitoes, heartworm disease can be fatal in both dogs and cats.

Other quick reminders for a stress-free summer:

Provide plenty of water and shade for your pets at all times.
Make early preparations for vacation travel whether leaving your pet at home or bringing them with you.
Use flea and tick treatments recommended by your veterinarian.
Limit exercise for older dogs and dogs with thick coats to early morning hours to reduce the risk of heat exhaustion and stroke.
Do your pets a favor and remember that loud events, such as the 4^th of July and music concerts, can be stressful for pets.

If your pet starts showing signs of heat exhaustion and/or stroke - heavy panting, glazed eyes, a rapid pulse, unsteadiness, vomiting or a deep red or purple tongue - immediately work to lower his body temperature by applying cool, not cold, water over his body, cold towels or ice packs to your pet's head, neck and chest only and let him lick ice cubes or drink small amounts of water. Heat exhaustion and stroke can be fatal to your pet, so always remember to check with your veterinarian and when in doubt, visit a hospital immediately.

Have a safe and happy summer!

Supplemental Wellness Care Option

Angela Klein — Thu, 05 Jun 2008 00:00:00 GMT

Supplemental Wellness Care Option Offers Additional Benefits

Wondering if routine care is covered with your accident and illness policy? It is if you choose BestWellness in addition to your plan. BestWellness is optional coverage you can add to your Pets Best policy that helps you budget for annual exams, teeth cleaning, routine tests and more.

With no deductible and $440 in annual benefits for dogs and more than $500 in annual benefits for cats, BestWellness is specifically chosen by our policyholders who regularly take their pets to the vet.

Half of the annual BestWellness benefits may be claimed within the first six months of each policy period. After six consecutive months as a policyholder, the full 100% of the BestWellness benefit is available for use.

Learn more about BestWellness or call a Pets Best Customer Service Representative today at 1-877-PETSBEST or 1-877-738-7237 to add BestWellness to your policy and help with expenses for future routine visits.

Pet Cancer Foundation

Angela Klein — Thu, 05 Jun 2008 00:00:00 GMT

Lifesaving.
How The Pet Cancer Foundation is
Working to Help Fight Cancer.

Every year, millions of pets are lost to cancer. Leukemia, lymphoma, bone cancer and mammary gland cancer all claim the lives of our beloved pets.

Many tireless efforts are underway, including the work of the Pet Cancer Foundation, a cooperative venture to help pet owners understand and manage cancer and cancer fears and provide a resource for free initial cancer consultations through a pet owner's local veterinarian. This resource brings cancer consultation to the pet owner and pet, no matter where they are.

Local veterinarians are also encouraged to visit the Pet Cancer Foundation site www.petcancerfoundation.org to learn how to obtain the free initial consultation from a board-certified veterinary oncologist who will identify what treatments are the most effective for each specific cancer.

Although the Pet Cancer Foundation web site is for pet owners, the consultation can only be provided to a licensed veterinarian. The web site, however, does provide information on cancer in pets for consumers.

Dr. Alice Villalobos, a veterinarian and author who concentrates on cancer and end-of life care, says that this free consultation can be lifesaving.

"All too often, cancer treatments for pets do not happen because of the hassle of taking your pet elsewhere, sometimes requiring driving long distances for specialized treatments that may be needed weekly or even more often," she says. "With this process, many cancer treatments can be successfully implemented, monitored and adapted by a person's own veterinarian with the benefit of a cancer specialist assisting in every step."

In the broader perspective, this initiative was created to keep pets living longer, healthier lives and enable them to bring joy to their families, according to Dr. Jack Stephens, president and founder of Pets Best Insurance. "Our mission at Pets Best is to provide reimbursement for the best pet care possible, which includes cancer treatments."

The Pet Cancer Foundation is a cooperative venture supported by Pets Best Insurance, Oncura Partners and the Morris Animal Foundation. Last year, Pets Best also pledged $1 million to the Morris Animal Foundation (MAF) Cure Canine Cancer campaign in an effort to eradicate cancer in dogs in the next 10 - 20 years. For this, Dr. Jack Stephens and Pets Best Insurance have been honored and recognized by MAF as a "Canine Cancer Campaign SuperHero," joining Pfizer Animal Health as the second $1 million contributor to the campaign.

Preventing Managed Care

Jack Stephens — Wed, 21 May 2008 00:00:00 GMT

THE FEAR FACTOR - PET INSURANCE NEED NOT REPEAT HUMAN HEALTH CARE PRACTICES

We have all heard the medical profession lament the concept of managed care as an intrusion into the way they practice and the way it has taken much of the enjoyment out of practicing medicine. But if one looks back to those early days when decisions were being made, the medical profession basically did not become involved in that decision-making process.

They practiced medicine and left the financing of their services to others. Of course, managed care in the medical field has not been all bad; it has increased access and the level of care to and for more people. Overall, it has been rejected as a concept that has more flaws than benefits. As we look to this model, we have to ask ourselves: What is it that we want and do not want for pets, pet owners, and our profession?

Since 1982, I have railed against managed care principles in pet health insurance. Yet most of my colleagues are still not sure what managed care in veterinary medicine is, other than "setting of fees and taking away decisions."

In an effort to clarify how to recognize managed care, what to avoid and most of all how the profession can control our destiny, I have devoted this editorial piece to managed care principles, how to avoid them and how pet insurance can benefit pets, pet owners and practices, without managed care ever taking hold. Much more could and will be said on the subject in articles, journals and later newsletters.

As a profession, we can have control of how we practice and avoid the pitfalls that have happened to the medical profession.

PRINCIPLES OF MANAGED CARE - GOOD REASON FOR CAUTION

Historically, managed care involves several key principles that include:

Setting of fees based on procedures, diagnosis and diagnostics
Taking decisions on diagnostics and treatment away from the treating doctor
Limiting choices by both the patient and doctor
Complicating the process with layers of bureaucracy in order to receive payment
Reducing or eliminating the out-of-pocket cost (co-payments and deductibles) to patients, thus eliminating their involvement in the financial decisions for care
Forcing doctors to join networks or accept lower fee schedules in return for higher patient loads
Patients restricted to the level of care provided for in the networks and receive no benefits - or greatly restricted benefits - if care is sought outside the network, except in emergencies
The doctor-patient relationship is virtually eliminated

Doctors in a managed-care environment are not inclined to have a strong doctor-patient relationship. Patients are chosen for them.

Non-managed care physicians and veterinarians, on the other hand, must please their clients. They must communicate, not rush, fully explain options and basically have a good beside or "table side" manner to be successful. If not, clients will go down the street.

In managed care, the patient is forced to visit the network in order to be covered. The patient load is dictated by others, not by experience or quality of care. At the risk of alienating my physician colleagues, the managed care system forces an almost assembly-line mentality to care. Human healthcare hospitals only started becoming more compassionate with better quality of care and services when they had to compete with other hospitals in order to increase profits.

Much more can be stated, but again, no veterinarian with whom I have spoken in over 25 years wanted managed care for our profession that dictates how we deliver care.

SO WHAT DO CLIENTS AND VETERINARIANS WANT?

Clients Want:

To choose their own veterinarian
Insurance that is easy-to-understand and provides high reimbursements
Fast claims payments with no hassle
Comprehensive policies that allow for routine care
Few exclusions/limitations

Veterinarians Want:

Choice: The ability for the client and treating doctor to determine the level of care
Little or no paperwork in filing of claims
No schedule of fees or benefits dictating or implying what to charge
No restrictions on diagnostics; allow the treating doctor to determine what is necessary, based on the situation
Ability for clients to freely choose where to take their pet for care, including specialists
No complicated payment method or restrictions on how care is provided
Freedom to set fees to suit the style and overhead of the practice
No third party dictating the quality of care
No third party overruling treatment decisions of the treating doctor by disallowing or limiting benefits

HOW CAN WE PREVENT MANAGED CARE?

Don't join networks, PPOs or other schemes that are predicated on bringing you more clients. Controlling the client's choice of choosing their pet's veterinarian must be avoided, as this is the number one tenet of managed care! If we only had one thing to avoid, it would be this.
Don't provide discounts to groups for increased business. Keep discounts or free care to your individual choice.
Set your own fees and avoid fee and benefit schedules. If a large portion of your fees are not reimbursed it makes you look like you are overcharging.
Don't accept third parties (companies) telling you how to practice, setting procedures, fees or level of care to provide.
Don't recommend companies that do not meet your standards, or restrict care due to the age of the pet.

OUR BRAND & PROMISE

Pets Best Insurance was launched in October 2005, to simplify how pet insurance reimburses pet owners. It was apparent that a straightforward 80% reimbursement of what the veterinarian charged for services was necessary. Veterinary medicine had changed, and changing how pet insurance operates had to happen! The level of care had risen dramatically for pets due to the rapid progression of the human-animal bond, access to specialists, and multiple-doctor practices.

When I first established the category of pet health insurance in 1980, I had three goals. The first was to provide a method for pet owners to have peace of mind; second, the ability to budget for unexpected pet health care cost; and third, to be certain that the managed care principles that so plague human medicine do not take root in our profession.

When I founded Pets Best, some twenty-five years later, I wanted to improve the industry I created and to leave a better legacy of pet insurance as being relevant and advantageous for pets, pet owners and veterinarians.

WHAT MORE CAN YOU DO?

When advising your clients of pet insurance options, make sure to recommend a company that is a member of the newly formed North American Pet Health Insurance Association. (Visit www.naphia.org for more information.) Membership standards disallow the most prominent managed-care principles. Standards are set and enforced for high levels of service, turn-around time on reimbursements, dispute resolution and independent third-party rating of member performance after a claim. For pet insurance to prosper, pet owners must know with clarity and certainty how much pet insurance will cover of the actual veterinary cost.

PET INSURANCE IS HERE TO STAY

Pet Health insurance is now nearing $300 million in annual revenues and forecasted to reach over $1.2 billion by 2012. With all the new, very large and well financed companies now entering the field, it will only grow, because there is a financial need for pet owners who want to afford the increasing cost of unexpected pet accidents, illness or trauma. Attempting to simply ignore this rapid growth of pet insurance will not be a viable response by the veterinary profession if it wishes to avoid the many pitfalls of veterinary managed care.

In closing, the veterinary profession must be involved to guide and influence the pet health insurance industry. If we do, I know I will have left a legacy that truly enhances the delivery of veterinary care for pets.

Jack L. Stephens, DVM
President/Founder
Pets Best Insurance

StaffBest: Providing a Simplified Staff Discount Plan for Veterinary Hospitals

Jennifer Jones — Tue, 20 May 2008 00:00:00 GMT

Christy Johnson, a certified veterinary practice manager with Pampered Pet Health Center in Port Charlotte, Fla., recognized the value of pet insurance, she just didn't realize that anyone in her office would use it as quickly as they did.

"One of our staff members had only had the policy for 3 weeks when her pet had grease in her eye and ended up getting an ulcer and needed corneal debridement, 80% of which was covered by Pets Best," she said.

"With Pets Best Insurance, we know what the benefit will be and there is no guesswork involved, which is one of the reasons why we have our staff enrolled in their plans."

More and more hospital employees are learning what Christy already knows: that having insurance can be a life-saver. Hospitals that enroll five or more pets as a group receive a 20%* discount off monthly premiums.

If you are a veterinarian or hospital administrator, take a look at how StaffBest can benefit your employees as well as your practice:

No longer discount the cost of veterinary care at your hospital. You can offer your full range of services at your normal rates and your employees can benefit from our quick 80% claim reimbursement and ease of use.
You and your employees will have access to emergency care, specialists, and referral services while still having the peace of mind knowing you can receive 80% back, after the deductible.
StaffBest can be tailored to fit any hospital. You decide how many pets to enroll, which plan you'd like, and which payment option works best.

This benefit is a valuable incentive for your employees. If you would like to receive a quote or have questions, please call the Pets Best Veterinary Services Department at 1-877-738-7237 ext. 4 or email us at vetservices@petsbest.com.

* Discount not available in all states.

Webinars Offer Fun, Informative Learning Opportunities

Jennifer Jones — Tue, 20 May 2008 00:00:00 GMT

Often, we hear people say that they don't quite know what pet insurance is, how it works, and what it does and doesn't cover. We understand!

To meet this need, we've worked to put together an interactive presentation over the web that will guide you and your hospital staff through the fundamentals of pet insurance and how Pets Best compares to the rest.

Of course, we will go over our specific plans here at Pets Best to help you better understand them and pass those benefits on to your clients.

All you need is an Internet connection - DSL or other high-speed connection is preferred - and a free hour to gather your staff for the web seminar and question-and-answer session that follows. (The actual presentation itself is around 30 minutes.)

Understanding pet insurance is the first key to being able to help pet owners understand how it works so that they can make an informed decision for their pets.

Advantages of a Pets Best Webinar

Better inform your staff of the benefits of pet insurance
Provides staff confidence in marketing pet insurance to clients on a regular basis
Provides a fun, interactive way to learn why Pets Best is a better alternative to other pet insurance companies

Learn more about signing up for a webinar by calling Pets Best Veterinary Services at 1-877-738-7237 (877-PETSBEST) ext. 4 or by emailing vetservices@petsbest.com.

We look forward to hearing from you!

Spotlight On: The Morris Animal Foundation

Angela Klein — Mon, 12 May 2008 00:00:00 GMT

Since 1948, the Morris Animal Foundation has been answering a critical and unique need in promoting animal health and welfare and advancing veterinary medicine. As the largest non-profit organization dedicated to funding research studies to protect, treat and cure animals, including companion animals, nearly 1,400 studies have been conducted to that end.

Last year, the Morris Animal Foundation launched its Cure Canine Cancer campaign to raise funds to help find a cure for cancer in dogs within the next 10 - 20 years.

As part of this effort, Pets Best has pledged a million dollars to their campaign, knowing that millions of dogs each year die of cancer.

"Half the population of dogs and cats aged 10 and over will die of cancer," said Alice Villalobos, a noted veterinarian and author. "The bonds that clients have developed with their older pets are especially strong and drive the increasing demand for more proficient and highly compassionate medical treatment of companion animals diagnosed with cancer."

Learn more about The Morris Animal Foundation and their fight to save dogs and their owners from the devastating effects of cancer at www.curecaninecancer.org or learn about all of the MAF initiatives at www.morrisanimalfoundation.org.

Get Rewarded for Referring Friends with the Pets Best Referral Program

Angela Klein — Thu, 08 May 2008 00:00:00 GMT

Did you know you can earn redeemable points each time a friend you've referred purchases a policy? Start earning points you can redeem for gift certificates at stores you already love. Now, friendship and rewards go hand in hand.

By referring friends, you can easily earn gift certificates valued between $15 and $50 at popular merchants. Set up a referral account quickly and easily through our online account access, and when you send friends to us, be sure to have them sign up through your referral link so we can credit points to your account.

Log on to your account (or set one up for the first time) to learn more, access account information and start earning points when you refer your friends to Pets Best!

If you haven't had a chance to register for online account access to see your processed claims and policy information, take a minute to find out how simple it is to access your account online!

*Not available in all states, certain restrictions may apply.

Prescribing Pets Not Pills

Angela Klein — Thu, 08 May 2008 00:00:00 GMT

Heather from Health-bee.com, a blog she maintains about wellness for women, knows what it's like to live with depression. Getting a dog helped, she said, brought her laughter and a reason to get out of bed in the morning. "I can honestly say that my dog is a big reason I am no longer depressed," she said.

Recent studies have continued to show what Heather and others already know: pets are good for us. Looking at the multiple reasons why, it's easy to see.

Pets get us up and moving. By walking our dogs or going to the store to buy food and treats for our cats, we're doing more than just sitting. As the endorphins start to flow from our exercise, we feel better.

Having a pet means that we're no longer alone, and even if we already live with others, the addition of a pet can still help tremendously. Anyone who has ever seen a dog look at its owner will understand the meaning of pure, unadulterated love. Pets look to us to meet their needs, be part of their pack, and thrive on the attention and affection we give. In return, they provide a love that asks for little and gives much.

A study several years ago at the University of Portsmouth in the United Kingdom studied the physical and psychological health benefits of owning a pet and found that people who walk their dogs, in particular, are less prone to depression and loneliness, and have fewer problems with obesity, heart disease, diabetes and cancer.

Dr. Jack Stephens, president and founder of Pets Best Insurance, has been preaching about the power of pets for years as he has seen person after person, including himself, helped by the love of a pet.

"More and more social and healthcare professions are seeing the value of pets in helping to keep us healthy and improving our health when we are ill, stressed or depressed," Stephens said.

"The quiet interaction of petting a pet will lower your blood pressure, decrease your stress hormone and increase the levels of good hormones and neurotransmitters which will all help you feel better."

Stephens goes on to add that spending time with our pets also increases our serotonin levels, which helps combat depression, and walking our pets helps us lose weight, keep it off and improves our overall sense of well-being.

Not only can walking a dog improve our moods and help us maintain our weight, the study by researchers at the University of Portsmouth also showed that we make more friends when we're out walking our pets, which also eases loneliness and depression.

Giving us passion and purpose, providing a source of unconditional love and acceptance and getting us out and about - that's what our pets do for us. So the next time you bend down to scratch your furry friends, remember to whisper an extra "thank you" for all they do without even knowing.

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The Real Buzz On Bug Bites

Amy Shojai — Wed, 30 Apr 2008 00:00:00 GMT

On-the-go dogs delight in outdoor adventures, but too often they sniff out pesky bugs that prove aggravating or even dangerous. Recently, my happy-go-lucky German shepherd pup Magic morphed into a miserable crybaby, courtesy of "something" that bit or stung. His eyes swelled shut, his muzzle inflated, and hives made fur stand off his body in an itchy checkerboard pattern that prompted nonstop scratching.

Fur offers some protection but paws and sparsely furred tummies are at risk especially in locations that harbor fire ants. Dogs who play with bees, wasps, spiders or scorpions suffer stings on the face, head or even inside the mouth. Bites and stings beneath the fur may be hard to see or treat, but first-aid usually is all that's needed to relieve any minor swelling, itching or redness.

Heed these seven bits of advice if your dog gets stung or bit by a bug:

Bees leave behind the stinger, which may continue to pump venom into the skin. Use a credit card or similar rigid tool to scrape it free.
A cold pack or compress applied to the bite helps reduce the swelling. A bag of frozen peas or corn works well, and molds against the pet's body.
A baking soda and water paste works great to soothe the sting, but it can be messy when applied to fur so use only on exposed tummies.
Ammonia works great to cool the pain of fire ant bites. Moisten a cotton ball and dab on the stings. Calamine lotion also soothes ant bites.
For stings inside the mouth, offer ice cubes or ice water for the pet to lick and drink.
You can also mix a teaspoonful of baking soda into a pint of water, and squirt the solution into his mouth with a turkey baster or squirt gun, if he'll allow you to do this.
As long as your dog continues to breathe with no problem, a veterinary visit may not be necessary even if the face swells quite a bit. Benadryl, an antihistamine, counters swelling and itching. A safe dose is one milligram for every pound your pet weighs or a Benadryl ointment can be used directly on the sting.

Hives usually go away on their own after a day or so, and sooner if treated with an antihistamine. Magic felt better within 20 minutes of the first dose of Benadryl. Keep in mind that this over-the-counter medication also causes drowsiness as a side effect. In my case, Magic slept through the night and recovered by the next morning.

How do I know when it's an emergency?

Like people, some dogs can suffer severe allergic reactions when stung or bitten by insects. A single sting can prompt a dog's muzzle to swell and an anaphylactic reaction usually occurs within 20 minutes of the sting. This causes a dog's face, throat and airways to swell - making breathing difficult or impossible. Anaphylactic shock requires immediate veterinary treatment as a dog can die without professional medical intervention.

Please take your dog to a veterinarian if he exhibits any or all of these signs:

Trembles
Acts weak
Suffers diarrhea
Vomits
Extreme facial swelling
Has trouble breathing

- By Amy D. Shojai, CABC, a certified animal behavior consultant, pet care specialist and author of more than a dozen pet books, including The First-Aid Companion for Dogs and Cats. She can be reached through her website www.shojai.com

Home Management of Chronic Renal Failure in Cats

Arnold Plotnick, DVM — Mon, 31 Mar 2008 00:00:00 GMT

Chronic renal failure (CRF) is a common cause of feline illness, especially in older cats. It is also incurable. With the exception of a kidney transplant, it is difficult or impossible to improve kidney function in cats with chronic renal failure. But it is possible to slow the progression of renal failure and improve the quality of life through dietary and drug interventions.

The benefits of dietary modification in CRF have been well documented. Protein, when metabolized, gives rise to toxins that the failing kidneys cannot properly excrete. By reducing the amount of protein in the diet, the toxin level is lessened, and this helps combat weight loss, poor appetite, vomiting and lethargy. In the past, choices were very limited with regard to these diets for cats. Recent veterinary studies confirmed that cats fed prescription diets feel better and live longer.

In addition, potassium supplements now available in palatable forms seem to be helping cats diagnosed with CRF. Hypokalemia (low blood potassium) contributes to kidney failure progression. Potassium supplements aid in addressing general muscle weakness affecting cats with kidney disease.

Cats with diseased kidneys have difficulty conserving water-soluble vitamins due to the excessive amount of urine produced by the failing kidneys. Work with your veterinarian to select a multi-vitamin appropriate for your cat.

A recent study has shown that the severity of proteinuria (excessive protein in the urine) is related to survival in cats with chronic renal failure. Proteinuria can be detected by a simple urine test. Cats who lose excessive protein in their urine can be treated with a drug, benazepril. This can restore the urine protein level to normal and increase survival.

Phosphorus is filtered from the bloodstream by the kidneys. When the kidneys begin to fail, the phosphorus levels begin to rise. This can lead to further kidney damage. Limiting phosphorus consumption appears to slow the progression of CRF in humans and dogs, and there is evidence that dietary phosphorus restriction also limits renal injury in cats with CRF. Prescription diets designed for cats with kidney failure contain reduced levels of phosphorus, however, the level may not be restricted enough.

Cats with CRF need to drink large quantities of water to maintain hydration - or run the risk of becoming dehydrated, which can have additional harmful effects on the kidneys. While there are ways to encourage additional water intake (feeding canned food rather than dry food, adding water or broth to the food), often the fluid intake for cats with CRF is inadequate. Some CRF cats require subcutaneous (under the skin) fluids given every day. If the cat does well, it might be possible to decrease the frequency to every other day, or even less frequently, depending on how the cat is feeling at home.

High blood pressure, detected in almost 20 percent of cats with CRF, is a major risk factor. These cats should have their blood pressure evaluated regularly and if hypertension is detected, treatment with amlodipine is recommended. Most cats respond readily to this medication. Hypertensive cats need life-long therapy to keep their blood pressure under control.

Many cats with CRF become anemic because the kidneys produce a hormone, erythropoietin, that instructs the bone marrow to manufacture red blood cells. As the kidneys fail, they produce inadequate amounts of this hormone, and the red blood cell level drops, resulting in anemia. Anemia contributes to the lethargy and poor appetite.

A genetically engineered form of human erythropoietin given to cats can dramatically reverse the anemia. However, this hormone can have serious side effects: some cats will produce antibodies against this hormone because the hormone is of human origin. These antibodies not only attack the human erythropoietin, but whatever remaining feline erythropoietin is present. Cats develop sudden, severe anemia as a result and require blood transfusions to keep them alive.

Many advances have been achieved regarding the treatment of chronic renal failure. Treatment must be tailored to the individual cat. Although CRF is not curable, many cats can live for years after diagnosis if treated appropriately.

- By Arnold Plotnick, DVM, board-certified in feline medicine and internal medicine. He operates the Manhattan Cat Specialists practice in New York City and can be reached through his website: www.manhattancats.com.

Move Over Rover, Cats Can Drool, Too

Arnold Plotnick, DVM — Fri, 14 Mar 2008 00:00:00 GMT

Happy cats demonstrate their happiness by kneading their paws, purring, and bunting (head-butting). A truly ecstatic cat may even drool on her owner. But drooling, while regarded as the utmost affectionate feline compliment, can also signify that something is amiss.

An excess production of saliva by the salivary glands is called ptyalism. Oral problems and central nervous system disorders are common reasons for ptyalism and subsequent drooling. Ptyalism should not be confused with pseudoptyalism, in which normal amounts of saliva - not excessive amounts - are being produced, but it overflows from the mouth due to anatomic abnormalities, such as malocclusion (abnormal alignment of the teeth) or to an inability or reluctance to swallow because of pain associated with swallowing.

The initial step in determining the cause of a cat's drooling is a thorough oral examination. This may require sedation, tranquilization or even general anesthesia, as cats with painful mouths are often head shy and won't allow a comprehensive exam.

Disorders of the teeth and gums are a common reason for drooling. Periodontal disease and the accompanying gingivitis, if severe, can lead to halitosis (bad breath), dysphagia (difficulty eating) and drooling. Periodontal disease is easily diagnosed during an oral examination, however, determination often requires oral x-rays. Some cats experience gingivitis or stomatitis (inflammation of the entire mouth) of such severity that they paw at their mouth, refuse to eat hard food and may drool excessively.

Biopsy of the gums or other affected oral tissues may reveal a severe infiltration of inflammatory cells. This condition, called lymphocytic/plasmacytic gingivitis or stomatitis, is usually quite painful. Treatment consists of antibiotics, anti-inflammatory medications and in extreme cases, extraction of all of the teeth.

During an oral exam, a veterinarian will evaluate if the cat can close her mouth properly. Some cats cannot, due to malocclusion. Although congenital and developmental disorders are common causes of malocclusion, oral tumors can cause misalignment of the teeth and/or jaw, leading to improper closing of the mouth and subsequent drooling. In fact, oral cancer is a very common cause of drooling in geriatric cats.

Damage or paralysis of the trigeminal nerve can lead to drooling secondary to an inability to close the mouth. Disorders involving other cranial nerves can also lead to drooling, but fortunately, cranial nerve disorders are uncommon in cats.

Oral trauma and associated pain and discomfort can lead to drooling. Broken teeth with resultant nerve exposure, a fractured jaw, and temporomandibular joint (TMJ) disorders are traumatic injuries that often lead to pain and drooling.

Kidney failure is a very common condition, especially in geriatric cats. Cats with severe kidney failure may have significant uremia (literally "urine in the blood"). These cats often develop ulcers on the gums, tongue, and edges of the lips. These ulcers are painful, and many of these cats drool foul-smelling saliva as a result. If the oral cavity is determined to be normal, other causes for drooling that should be considered include liver disease, nausea, seizure activity and drug or toxic stimulation of salivation.

Various drugs and toxins can cause hyper salivation in cats. Unpleasant tasting drugs can cause cats to salivate profusely. The antiprotozoal drug, metronidazole (Flagyl), the antihistamine, chlorpheniramne (Chlortrimeton), and the sulfa antibiotics are particularly notorious for causing cats to drool copiously if the pill inadvertently lands on the tongue during administration. These drugs require an owner who is proficient in giving pills to their cats.

Other possible causes of feline drooling include overdosing of flea and tick insecticides, secretions of various toads and the venom from a black widow spider. Various plants, including philodendron, diffenbachia, poinsettia and Christmas trees - as well as exposure to some household-cleaning products - can cause increased salivation.

A systematic approach is necessary for diagnosing the underlying cause of drooling in cats. Yes, some cats drool from happiness, but contact your veterinarian if your cat shows signs of illness, including oral discomfort, unusual behavioral changes, foul odor to the saliva, or saliva that is blood-tinged.

By Arnold Plotnick, DVM, board-certified in feline medicine and internal medicine. He operates the Manhattan Cat Specialists practice in New York City and can be reached through his website: www.manhattancats.com.

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