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.

The American Humane Association advocates protection and humane treatment of the voiceless, and among the voiceless are animals. This organization offers a few tips on its website outlining how you can speak out and provide care for animals.

Appreciate Wildlife
Wildlife is part of our Earth’s delicate lifecycle. American Humane Association suggests creating an inviting area in your yard for birds, butterflies, and other local animals. Avoid inhumane traps and poisons, which can harm animals that aren’t being targeted, like stray cats and loose dogs.

Adopt a Pet From a Shelter or Rescue
According to the American Humane Association, every year “an estimated 3.7 million animals must be euthanized at our nation’s shelters because they could not be adopted into loving homes.” Save these animals by offering them a home rather than buying from a neighbor who failed to spay and neuter. Spaying and neutering dogs and cats offers pet health benefits, can help decrease pet overpopulation, and may be subsidized with pet insurance coverage.

Take Care of Your Pet
Pets rely on their owners to keep them safe and in good pet health. Annual vet check-ups aren’t just for vaccinations. These exams can also detect potential pet health issues early, when they can still be successfully treated. Pets should also be protected from getting lost with proper identification. Vaccinations, preventative visits and treatment are often covered by pet health insurance. Visit Pets Best Insurance for more information.

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.

It is common knowledge that as pets age, more pet health issues are likely to arise. Many pet insurance companies counter this fact by putting age limits on their pet insurance plans. This puts the owners of many healthy older dogs and cats at a disadvantage, and could increase the likelihood of further pet health complications.

According to an article written for the Cherokee Chronicle Times, an estimated 75 percent of U.S. households own aging pets. These numbers are startling, considering older pets need proper preventative care, just as young pet do– but may be unable to receive it because some pet insurance companies won’t cover them.

Routine tests and services are essential to keeping dogs and cats in great health. Routine care can also prevent more serious problems from arising in the later stages of a pet’s life. Simple pet health care services such as teeth cleaning, heartworm testing, or urinalysis could improve the quality of a pet’s life, and ultimately leave more money in an owner’s pocket.

Luckily, there are pet insurance plans out there, like those offered by Pets Best Insurance, that do not have upper age limitations. Though usual limitations apply (such as pre-existing conditions and preventable diseases), no pet is turned away based on its age, so long as the pet enrolling is at least seven weeks old.

Just as you would take the necessary steps to ensure proper pet health care for anyone in your family, securing the proper pet insurance plan for your four-legged friend is equally important—at any age

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.

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.”

Although there are now cat breeds that look wild, like the Bengal and Savannah, the Ocicat was the first breed to look like a wild animal. In 1964, the Ocicat was the accidental result of breeding an Abyssinian (which has a solid-looking coat but each hair is actually ticked with three colors like a deer) and a Siamese cat. Although the breed is somewhat rate, many pet insurance companies will still cover it.

The kitten has small dark spots on their body, making them look like a leopard or ocelot. The Ocicat has a distinctive spotting pattern with thumb-print sized spots in a classic “tabby” configuration. They look wild, but are domestic and have a gentle temperament. They have none of the issues that arise from exotic breeds that have wild blood, which is one of the reasons that many pet insurance companies will provide coverage for this kind of cat.

Description
As the breed developed, so did a variety of coat colors. The color descriptions are tawny, chocolate, cinnamon blue, fawn, lavender and silver. Ocicats are medium to large cats with athletic, muscular bodies. Females weigh between 6 and 9 lbs., and males weigh between 9 and 14 lbs.

Temperament
Ocicats are extremely intelligent, sometimes capable of opening their own cages. They are ideal companions with a sweet temperament, and they like to be with their owners, responding more like a dog. They enjoy vigorous play and will become bored if not “entertained” by the owners regularly. It is good to invest in a pet health insurance plan for this breed because of their curiosity.

Pet Health Issues
Fortunately, Ocicats are not prone to any genetic diseases or issues. Since 2005, the breed has been outcrossed with Abyssinians and no pet health problems have arisen yet. But if you are thinking of getting an Ocicat, it’s a good idea to check carefully with a breeder. Even though they are very healthy, you should consider cat insurance for typical cat illness coverage.

Doberman Pinschers are majestic dogs with a very distinctive look. Loyal, protective, and friendly, they unfortunately have the reputation of being aggressive. In fact, owners of Dobermans are sometimes required to carry dangerous dog insurance policies. But they are not dangerous dogs by nature.

Description
The Doberman, although lean and tall in appearance, has a compact muscular body with a long head. Their almond-shaped eyes are various shades of brown, depending on coat color. Their ears used to be routinely cropped at about 12 weeks, but because some consider it to be inhumane, and many pet health insurance companies won’t cover these costs, some Doberman owners allow the dogs’ ears to grow naturally, and flop over. Tails are often still docked. Usually within three days of birth.

The Doberman has a broad chest and straight, long legs. Coat colors can range from black, black and tan, bluish-grey, red, fawn, or white. Some dogs have markings over the eye, throat, legs, feet, and tail.

Size
Because they have long legs, Dobermans are often thought to be very large. But males are 26 to 28 inches tall, and females are 24 to 26 inches tall. Both sexes weigh between 66 and 88 lbs.

Temperament
Dobermans are very energetic, loyal, and affectionate. Hardworking and very easy to train after owner pack leadership has been established, every member of the family must be firm and confident when handling the Doberman. This lets them know their place in the pack and provides security. It is also a good idea to consider dog insurance for this breed, considering its energy level and size.

This breed needs lots of stimulation and exercise. Despite the unearned reputation as a dangerous dog, Dobermans make excellent therapy dogs and are gentle with children.

Pet Health Issues
Dobermans are prone to a condition called cervical spondylitis (wobbler syndrome) from fusion of neck vertebrae. Like other larger dogs, they also often get hip dysplasia. Albinism does occur and the gene can cause pet health issues such as deafness.

It may sound odd, but keeping up with good pet health care as well as pet insurance can be good for you too.

Besides the obvious reason that we want our animal companions to be well, taking care of pets has physical and psychological health benefits. The following are some examples:

Pet Ownership Promotes Responsibility
You often hear a good reason to get a pet for a child is that is promotes responsibility—the child learns to feed and care for another living thing. But it can also be good for adults. Looking after a pet and ensuring they have pet insurance, food, water and exercise helps you be a responsible person.

Physical Comfort
Petting your dog or cat after a bad day can have a comforting and relaxing effect on your body and mind. A cat jumping in your lap or a dog putting his wet nose on your hand can help tremendously if you’re feeling overly stressed. Studies have shown that just being around animals reduces blood pressure.

Emotional Wellness
“Unconditional love” is an overused term, but it aptly describes the kind of love that pets give you. They don’t care if you’re feeling snarky or irritable, they still like to be around you. Having pets can reduce isolation and promotes social activity. Walking with your pet or taking your pet to the dog park can up your socialization as well as your dogs’.

Benefits for Older Adults
There’s a reason why companion and therapy animals are often taken into nursing homes. Older people in that environment, who have often had to give up a pet, crave contact with a loving animal. Research even shows that older adults who have a pet have fewer doctor visits.

While pet insurance can make a trip to the vet less stressful for the pet owner, pets may still feel uncomfortable.

The office is oftentimes cold, sterile, and uninviting. The smells are funny, and the waiting time is usually long and awkward. When it comes to visiting the vet, our pets experience the same kind of discomfort and anxiety as we do.

This office is a new place, or one that your pet likely associates with something negative (shots, surgery, medications).

Discount pet care is out there, but more often than not medical costs can run through the roof! So along with making sure your little ball of love is as stress-free as possible, managing the cost of veterinary care with cat or dog insurance will help you buffer the headache in the office. Here are some tips for making the most of your vet visit:

1. Make sure your animal has a security blanket. Okay, maybe not an actual blanket, but a familiar place or object that makes them feel safe—like a carrier, or a leash. Bring a familiar toy for some comforting smells from home.

2. Be sure to do a pet insurance comparison so you can better understand coverage. Just because you have cat or dog insurance doesn’t mean that everything is covered. When shopping for insurance for cats or dogs, take inventory of what services are covered prior to your vet visit. You don’t want any surprises!

3. Understand how your dog insurance plan works. Just having pet insurance isn’t enough. Make sure you really understand how the payment system works for that particular company. Find out what will be covered and what’s excluded.