Pets Best Newsroom

Blog posts Categorized under ‘Pet Insurance News’

Americans pamper pets even with prices rising

Posted on: May 19th, 2011 by

La La the Chihuahua watch dog looks out the window.

According the the website, Petweek.org, one of the American Veterinary Medical Association (AVMA) and the Auxiliary to the AVMA’s primary messages is to “promote responsible pet ownership, celebrate the human-animal bond, and promote public awareness of veterinary medicine.”

The organization hopes to help educate children and adults alike that as animal rescues and shelters work to save homeless animals, families can save lives by offering a home to a pet in need.

When pets are adopted, they are innocent, voiceless, and rely on their owners for everything from food to pet insurance and care. Pets give their owners years of love and joy, and shouldn’t have to suffer when they are sick because of high treatment costs. This is where pet health insurance comes in.

Obtaining pet insurance coverage is a wonderful way to ensure that pets get all the help they need from puppy and kittenhood into their senior years.

An April 2011 Reuters report on an American Pet Products Association (APPA) poll revealed that in spite of an economic downturn, pet owners are spending more every year on their pets, including a projected $4 billion more in 2011 than five years earlier.

“Sixteen percent of dog owners and 13 percent of cat owners said their animal’s medical treatment would take priority over their own,” according to the Reuters report. The report also revealed that the number of yearly vet visits and surgery costs are both on the rise, particularly for cats.

Because there’s no guarantee to goodIt w pet health, pet insurance offers pet owners some control over both the expected—yearly check-ups—and the unexpected—accidental injury or surprise illness. Pet insurance cost varies, with pet coverage plans ranging from emergency-only to wellness policies. Researching pet plan insurance may prove one of the easiest and cost-effective ways to see the AVMA’s hope of saved lives and veterinary medicine awareness realized.

Keeping pets healthy

Posted on: May 16th, 2011 by

A dog with pet insurance selects healthy foods.

Pets are wonderful companions and considered members of the family. As a responsible pet owner, your job goes beyond feeding, sheltering and ensuring they have pet health insurance. Your pet relies on you to make good decisions as a key component of good pet health care.

Proper Feeding
Your vet can advise you about proper nutrition for your pet, but other resources and your own common sense can guide you, too. Feeding human food to pets is not a good idea. Their digestive systems are not made to deal with our diet. Certain foods like chocolate are toxic to pets, so being diligent about what goes in your pet’s mouth is extremely critical for their safety. Having pet health insurance is also a good idea, in case of accidental ingestion.

Pets also have different water consumption needs than we do. Make sure your pet has clean, fresh water several times daily if necessary. This is especially important if your dog or cat will be outside for any length of time.

Proper Handling
It should be a no-brainer that dogs need to be leashed at all times when outside on walks unless they have access to a fenced dog park. An unleashed dog can disappear in an instant if an interesting distraction, like a squirrel, runs by.

Statistics tell us that cats that have outdoor access have a high rate of injury and death. It’s a myth that cats need to go outside to hunt for food. If properly fed, there is no nutritional value to hunting.

Be Prepared
Regular vet care is important for healthy pets. But vet healthcare costs can be hard on pet owners’ budgets. Considering a pet health insurance plan can help defray some of those costs.

The Chihuahua

Posted on: May 13th, 2011 by

A Chihuahua with pet insurance licks food.

A great companion dog, the Chihuahua breed is not without some challenges – one being a number of pet health issues. If you consider this breed, researching and purchasing pet insurance is a good idea.

We often see celebrities carrying Chihuahuas around as if they were fashion accessories. This has likely contributed to the breed’s current popularity, but hasn’t been the best PR for this small, sweet-tempered dog.

Description
In the toy class, the Chihuahua is tiny with a rounded head, short muzzle and large round eyes. Their ears are large and look almost disproportionate to the head. Their coats are short or longer and wavy. The coat colors include white, fawn, silver, chestnut, sand, sable, steel blue, black, black and tan and parti-color.

They are great companion dogs who enjoy affection. They are also very lively and adventurous. This breed ranges in height from 6 to 9 inches and 2 to 6 pounds in weight.

Temperament
For such a little dog, the Chihuahua can be very strong-willed without the proper pack leadership from his owner. But they are intelligent, quick learners who respond to training. They are very loyal and attached to their owners. Wary of strangers, they will remain close to their owner.

The breed is not recommended for children, especially if the dog has assumed a dominant role. Many of the issues with this breed’s temperament are a direct result of people treating them like babies. Because of this “cute, little dog” approach, their bad behavior will often not be addressed by the owner.

Chihuahuas tend to not be walked as often because they are seen as so active. But they need exercise just like larger dogs and walks also provide socialization and mental stimulation. If not getting sufficient exercise, they tend to be snappy, yappy and untrustworthy around kids and adults they don’t know.

Pet Health Issues
Chihuahuas are prone to rheumatism, colds, gum problems, and eye issues due to their protruding eyes. Because they are so small, toxic products that are ingested are even more dangerous. This breed can gain weight very easily. Having pet health insurance if you have this breed may come in handy. The Chihuahua is also very susceptible to stress, especially when owners treat them like babies. The dog needs to know that the pack leader is in charge.

Avoid perpetuating the stereotype if you are considering this breed. Don’t get a Chihuahua because you want a cute, tiny, “baby” dog. Choose them because they are wonderful, loyal companions, and be sure to investigate pet insurance as well.

What to consider when buying pet insurance

Posted on: May 7th, 2011 by

A dog with dog insurance sits in his master's lap.

By: Dr. Jack Stephens
Pets Best Insurance President and Founder

1. How are you reimbursed?
I mention this area because reimbursement issues can become your biggest area of discontent if you receive less than you anticipate for your pet’s medical cost.

Some pet insurance companies reimburse or pay claims based on a “set” benefit schedule. The problem with this is the schedule may not reflect what you are actually charged for veterinary care. For instance, if your pet had a broken leg that cost you $3,000; the pet health insurance company that operates from a benefit scheduled may reimburse a lesser amount after the deductible. This can be considerably less; leaving you with the balance. Pick a plan that pays a flat percentage (such as 80%) of your cost for pet health care and avoid this pitfall.

2. How long will it take to be reimbursed?
This is another important facet of cat or dog insurance that you may not initially understand why it matters. After all, with human health insurance, you go to your doctor and they submit the bills to the insurance company. The length of time this process takes is probably of little concern to you because your doctor or hospital is waiting for the funds, not you.

In contrast, with pet health insurance, you pay the veterinary cost upfront and then submit your claim to the pet insurance company, who will then pay you back. With pet insurance you are out-of-pocket for the cost up front and you may incur interest expenses on your credit card if your reimbursement is not timely from the pet insurance company.

It’s a good idea to ask what the average time is from receipt of a claim until payment is rendered by your pet insurer. If the company acts evasive, you have your answer; you will likely be waiting for your money for some time. Seek pet insurance companies that have a good history of paying their claims quickly. In addition, ask if they offer direct deposit, which can expedite your reimbursement.

3. How easy is it to file a pet insurance claim?
Another pitfall to avoid are the companies that make it difficult for you to file a claim and track your claims status. You should seek a pet insurance company that allows your claim to be filed electronically (email) for faster service. Also seek a company that will provide you with an email confirmation once they received your claim. And better yet, do a pet insurance comparison to find a company that will directly deposit your funds quickly.

Parvo Virus: Bad for puppies, bank accounts

Posted on: May 5th, 2011 by

A dog with pet insurance looks up.

Dog owners generally purchase pet insurance because they know dogs will likely go through various bouts of illness and upset tummies throughout their lives.

But for puppies, such an incident can be very serious– as it often means the dog has Canine Parvovirus, otherwise known as Parvo. Parvo is a very dangerous pet health disease for puppies and elderly dogs that can turn deadly quickly.

Parvo virus infects the intestine and destroys the lining, causing severe bloody diarrhea and vomiting. What’s worse, the virus can live on surfaces for months and can spread very easily on clothing and shoes, infecting puppies that have had no contact with other dogs at all.

Treatment means hospitalization for at least three nights, and anyone whose pet has stayed overnight at the vet knows this is very costly without dog insurance.

According to Dr. Michael Dill, a veterinarian at Bienville Animal Medical Center in Ocean Springs, Mississippi, treatment for Parvo can even require ten days of non-stop hospitalization, which, without pet health insurance, could cost a pet owner hundreds or even thousands of dollars. But, “with appropriate treatment, parvo infected dogs have about 85 to 90 percent survival rates,” the veterinarian wrote in an article for the Biloxi-Gulfport Sun Herald.

Fortunately, routine puppy vaccinations, which can be covered with dog insurance plans include vaccinations for Parvo. These shots require multiple booster shots and return vet visits, so puppy owners should compare pet insurance to find a policy that will cover this routine.

The extra preparation is well worth it for your puppy’s health and your bank account. According to Dr. Dill, “At my clinic, a full set of puppy visits (four visits including examination, vaccines and fecal examination) is less costly than a single day of parvo treatment.”

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