Archive for June, 2010
Pet insurance? Which covers cancer? UK?
Posted by admin in Pet Insurance Reviews on June 27, 2010
I want to take out pet insurance for my rottweiler in Northern Ireland (UK) but i keep reading mixed reviews online, so far im considering M&S as Halifax worked out at 100 a month but has fantastic reviews unfortunately. Any recommendations? I don’t mind paying a lot on excess but i want a company that will pay direct not on like I pay first then they refund me type basis. And i most definitely want cover for cancer, but i’m not sure they do cover this treatment? any help please, i’m very confused! i’m reading a million terms and conditions, and its all turned to mush! thanks for your time x
I would imagine they all cover cancer, I can’t think of anyone that would exclude it. The important bit to check with whether you get lifetime cover or cover just for a year after diagnosis.
As for the paying direct, that depends on you setting an agreement with your vet to arrange direct claims. It is most vets policy to get the money from the owner and then the owner get reimbursed by the insurance company, however you could always speak to your vet in advance about the possibility of arranging a direct claim. I haven’t heard of any insurers that don’t do direct claim, but I may be wrong.
Also remember to keep your vaccinations up to date, as it’s a clause in most insurers small print and if you lapse then they won’t pay out for anything (vaccinatable disease or not).
I can’t give you an actual insurer to go for – a) because they’re all so different and it really depends on what you want and b) because I’m legally not allowed to as a vet!
Is PurinaCare dog insurance any good?
Posted by admin in Veterinary Pet Insurance on June 27, 2010
I was looking into pet insurance for my puppy that comes with preventative care as well as accidental and illness coverage. I looked into Trupanion and PetsBest but neither cover preventative issues such as shots and etc. I’ve heard time and time before it’s better to put the money in a savings account and using it if it’s need but I’ve had some bad luck with high veterinary bills which insurance definitely would of helped with. I was wondering if PurinaCare was trust able and if anybody has any experience about them?
My experience has been that none of the pet insurance companies are very helpful in reducing vet bills. it does seem better to have a small amount taken from your paycheck every pay period and put into a vet account. most of the pet insurance seems to be the same rate you would get if you called and asked the vet if he’d consider lowering the price for whatever procedure your pet needed.
Pet insurance for my bullmastiff… pet plan, more than, the kennel club or another?
I am on a limited budget, but i need a decent lifetime cover policy. Preferably where the premiums don’t rocket after a claim or when the time comes to renew it. More then seem the cheapest, but many people have said not to go with them… are there any other companies you would recommend?
I would agree with the first person that answered, well for the most part. Pets are definitely worth it, they don’t have to be expensive, they are part of our family and we love them. Insurance is just as expensive for animals as it is for people and has just as many flaws.
In our practice, I have actually not seen anyone who has insurance on their pets. I have read over a few plans and didn’t like what I saw. By the time you’ve paid the premiums for a year, you’ve already more than paid for the cost of yearly necessities…vaccinations, flea/tick and heartworm medications, etc. The plans I saw would really only cover anywhere from $500-$900 for a major medical procedure, such as a broken leg or foreign body ingestion. That nowhere near covers the cost but definitely would help…until you look at what you’ve paid in monthly premiums. Seems they kind of cancel each other out.
Any kind of crisis can arise when you own pets, believe me, I’ve seen it all. It is great that you are taking steps to help protect your pet, but I would agree that you should start a savings account, it would earn interest or just put money aside at home. Best of luck to you and your pooch, bullmastiffs are awesome dogs!
Boarder Collie Puppy. Can you explain the way first vacinations work please and anything else i should do??
Posted by admin in Dog Vacinations on June 27, 2010
My nieces Boarder Collie is expecting pups in February and we are hoping to have one of the puppies (dog preferably). I grew up with a Boarder Collie myself so am fairly confident about the training and time and energy required but don’t know anything about the initial vacination and worming programme that a puppy should have and how long this will take or how much this will cost. Please help. (Based in Bristol, England)
Thanks.
They get 4 sets of distemper/parvo (DH2PP) every 3 to 4 weeks….some vets only give 3 and then the rabies vaccination with the last distemper. You can have the bordetella vaccine done for kennel cough, but I only suggest that if you’re planning on boarding. The vaccine only covers some strands of the disease, so if some other strand gets in contact with your dog, he’ll still get it. My vet only suggests it when you’re boarding the dog at a kennel.
How do I better train my dog to use her dog door?
She seems to understand the concept. She will let me know she needs to go out and use the Dog Door when I tell her to. But I can’t seem to get her to understand that she can simply go out when she needs to without checking with me first.
Once she’s comfortable going out on your command, try leaving a tasty treat outside the door without telling her to go out. Maybe as she discovers these treats when you’re not around she’ll be more comfortable going out on her own
Whats the cheapest and best dog insurance?
Posted by admin in Dog Insurance on June 27, 2010
Hi my dog is 10 years old Im struggling to get a good deal on pet insurance for her. I know because of her age everything costs more :/
Please, any suggestions would be greatly appreciated
thanks ever so much
Trist
and it doesn’t cover stuff that you can EXPECT to go wrong – only if she has an accident, like gets hit by a car or something.
Pet insurance, I don’t buy it. I just don’t think it’s worth the money, period. It only reimburses you – it doesn’t pay the vet for you – AND, it’s severely limited in coverage.
It’s NOT like health insurance for people.
Understanding Your Cat
Posted by admin in Veterinary Pet Insurance on June 27, 2010
Cats have been around since the beginning of recorded history. In some early cultures they were idolized and in some they were feared. In medieval times they believed cats were godlike due to the way their eyes glowed at night.
Cats will communicate with their owners in many different ways. They purr when they are happy and content. They meow loudly when they are hungry. When a cat is not happy or on the defense they will give a low pitched growl or a hiss.
Cats can communicate other ways besides audibly. They use body language, posture and ear and tail movements to communicate their feelings or emotions. When a cat feels challenged they will flick their tail starting at the tip and whip it around so it becomes more pronounced. The front of their body is flat to the ground and their hind end is higher. They mean business if they are in this stance and their ears are plastered back.
Unusual Cat Facts
Cats have thirty-two muscles in each ear which allows them to rotate their ears in many directions.
The reason a cat usually lands on their feet is because they have a tiny chamber in their ear that keeps their head level in relationship to the ground when they fall or jump.
Cats use their whiskers as feelers. Besides having about twelve whiskers on each side of their face they also have whiskers or “feelers” above their eyes and on the back of their legs which comes in very handy in the dark.
When a cat rubs its head on any object whether it be your leg or a piece of furniture this is not a sign of affection. They are actually marking their territory. They have glands in their cheeks which leave their smell on people and objects to tell other cats that this is theirs.
A cat uses their claws for climbing and marking their territory.
A cat’s nose pad is unique to them just like a fingerprint is to a human.
The reason a cat has such good nocturnal vision is because of crystal like mirrors that are located in the back of their eyes.
You have probably noticed that cats love to sun themselves. Sunning themselves makes them a happy cat. The sun is also a good source of Vitamin D which they need. Usually a stretched out cat is a warm one and one that is curled in a ball is usually cold or chilly.
You can learn a lot about your kitten or cat by just watching them. They use all parts of their bodies to communicate with you. If your cat’s pupils are wide that means they are excited or scared. Cats do not like to be stared at and consider this to be a challenge. If you watch two cats together they will usually try to avoid staring at each other and will turn their bodies away if they are not trying to be aggressive.
Most cats are very independent and don’t like to take orders or play on command. That is one of the things that set them apart from other pets; they like to do things on their own terms. Training them to not to run out an open door or to stay off counters can be tricky, if not impossible! However, there are some tricks that have been successful. Fill a can with some pennies and shake it when they jump somewhere they don’t belong, or use a spray bottle filled with water. Cats do not like surprises, especially loud noises or water in their face and this will help deter them from going where they are not supposed to.
Cats and kittens love to have fun and play, especially with their owners. You can make many toys for your cat with items you have around the house. They like to play with wads of paper or an aluminum foil ball. Any type of string with something on the end for them to chase is also a favorite. Cats like to play with light weight, colorful, and noisy toys, especially ones with bells in them.
The average lifespan of an indoor cat is 15 years. You might want to consider getting pet insurance on your cat or kitten for there may be unforeseen medical expenses in the years to come. Just like health insurance on the rest of your family, buying cat insurance for your feline friend will give you peace of mind that you could cover the cost of veterinary treatment should the worst happen.
Karen Corey
http://www.articlesbase.com/pets-articles/understanding-your-cat-694869.html
Things To Consider When Getting Quotes For Pet Insurance
Wanting to make sure we take care of our pets is nothing new. But for some people, the idea of pet insurance is unexplored territory. If you have been toying with the idea of getting quotes for pet insurance, there are several factors to take into consideration. Here are a few tips to help you pick the pet insurance policy that is right for you and your animal.
Before you begin to evaluated any pet insurance policy, sit down and compile your wish list of coverage you hope to find available. This may include such things as a prescription co-payment plan, low deductibles for surgery and other major medical matters, some price breaks on annual checkups, teeth cleanings, de clawing, or other health measures you normally take to ensure your pet’s sound condition. Keep in mind you may not find a pet insurance policy that will cover everything on your wish list, so prioritize your items. This will help ensure you do get a policy that addresses the healthcare needs you consider most important.
Perhaps one of the most crucial things to consider when evaluating getting quotes for pet insurance is whether or not your current veterinarian accepts a give policy. This can easily be determined, by asking the office manager at the vet’s office. They will be happy to give you the names of various insurance providers they work with. By finding out who your current vet works with, you already have a small degree of endorsement of those companies. Just like doctors, veterinarians do not like to work with insurance companies that make filing claims difficult, or who are slow to pay.
Once you have a list of potential carriers, do some research on the pet insurance policies each one offers. Chances are they all will have a fairly comprehensive selection of policy types to choose from. Take your wish list and note which ones offer coverage for the items on your wish list. You can use this data to arrive at three or so potential pet insurance carriers that will cover your pet for the health concerns you believe are most important.
At this juncture, let the interview begin. Contact a representative of each of the pet insurance providers you have selected and schedule appointments to discuss a policy for your pet. Make sure that during the course of the appointment, you double-check the information you read online, just to make sure it is current and correct. The agent or representative may also have some questions for you about the health of your pet, so be prepared to answer any of those. Between the two of you, the agent should have enough information assembled to offer you a policy that will be a good fit. However, do not sign anything until you have met with representatives of all the pet insurance providers you’ve contacted.
Once you have firm quotes for pet insurance and information from all three of the finalists, compare and contrast them until you narrow the running down to two, and then finally one. Always make sure you contact all three to let them know of your decision. Should things not work out with the pet insurance provider you select, you do want to be on cordial terms with your other two contacts when the time comes to renew your policy.
Craig Thornburrow
http://www.articlesbase.com/non-fiction-articles/things-to-consider-when-getting-quotes-for-pet-insurance-95535.html
Homeowners Insurance Guide
Posted by admin in Dog Insurance on June 27, 2010
Homeowners insurance covers damages resulting from most kinds of natural calamities. If a third party lender finances a home, it becomes important to obtain homeowners insurance, in order to cover the building and the material possessions inside.
Homeowners insurance is a package policy: This means that homeowners insurance takes care of both, the damage caused to the home, and the legal responsibilities involved. Homeowners insurance can also be used to protect the homeowner against injuries or property damage caused to other people, by the owner or his/her family members. This includes injury caused by household pets.
Homeowners insurance covers damage caused by most disasters except floods, earthquakes, and the lack of maintenance. Individuals are required to buy separate policies to cover the losses incurred due to earthquakes and floods. Maintenance related damage is not covered by any insurance policy.
Types of Homeowners Insurance
Following are the four types of coverage included in the standard homeowners insurance policy: -
Coverage For The Structures
This policy pays for repairing or re-building the house if it gets damaged because of fire, hail, lightning, hurricane, damage caused by vehicle or aircraft, explosion, windstorm or other disasters, according to the formulation of the policy. Most of the standard policies also deal with structures that are not attached to the house, like the garage or a gazebo.
Coverage For Contents Of Home
This policy covers personal belongings such as furniture, clothes, electronic goods and other household items that get destroyed by any of the insured disasters. Most companies offer coverage of 50% to 70% of the amount insured for the building. For example, if a homeowner has $200,000 worth of insurance on building structure, then he/she would have $100,000 to $140,000 worth of coverage on the personal belongings. The best way to find out whether this coverage is adequate is to carry out a home inventory, which includes the original cost of each item.
Protection Against Liability
This covers against lawsuits for any physical injury or property damage that the homeowner, or his/her family members, or pets cause other people. This liability policy covers a homeowner anywhere in the world. For example, if a homeowner’s children, or dog, or any other pet accidentally damages the neighbor’s furniture, or expensive carpet, or any other property, the homeowner is covered by this policy. But the homeowner’s own property is not covered by this policy, if the children or pets damage it similarly. Liability coverage generally starts at $100,000.
Additional Living Expenses Under Conditions The Homeowner Is Not Able To Live In The Home:
This policy pays for the additional cost of living away from home if it gets damaged by fire, lightning, hail, smoke, theft, storm, volcanic eruption or any other insured disaster. It covers restaurant bills, hotel bills and additional living expenses incurred while the home is being repaired. Generally, companies provide coverage for about 20% of the insurance on the structure of the house.
For example, if a homeowner has insurance worth of $100,000 on the structure of his/her house, then the additional living expenses coverage in case of damage will be 20% of $100,000, which is $20,000. This policy also reimburses the rent amount if a part of the damaged house had been on rent.
For most people, a home involves a large investment. Insuring it against damage due to some unforeseen calamity can protect you from bearing the burden of such losses.
Joseph Kenny
http://www.articlesbase.com/real-estate-articles/homeowners-insurance-guide-81597.html
Train Your Dog With Pack Drive
Some people are driven to acquire the fastest possible car. Or amass wealth. Or get the corner office. Others are driven to build a strong family unit, or to find the perfect romance.
What drives you?
Humans are composed of many drives and desires. We humanoids are complicated creatures. Dogs, however, are much simpler in their major needs and desires, or what I’ll call drives.
A dog’s most important need is the desire for social order, to follow a strong, compassionate leader. I call this Pack Drive. Pack drive can be best summed up like this; it is the desire to follow and collaborate with a clear leader. You can see this drive in action when you notice your dog trying to please you.
But dogs do possess other drives as well. Here is a list of the other most important instincts that literally drive dog behavior…
Prey Drive: the urge to chase, catch, kill and consume moving animals. You see this in action every time your dog chases a squirrel. Unfortunately, you may also see it when your dog chases your cat.
Play Drive: a modified form of Prey Drive, Play Drive is the urge to engage in mock hunting behavior. Play Drive is at work when your dog pounces on a squeaky toy and pretends to shake it to death.
Defensive Drive: the urge to defend himself, his pack mates, or his territory. Not all dogs have the drive to defend, and not every dog can stand up to the pressure of defending. A dog who reacts with a desire to defend, but who lacks the confidence to do so, generally shows fear before aggression. You may note this if your dog barks at the door, but runs away when you let someone in.
Fight Drive: If your dog stands his ground when confronted by threats, real or imagined, he may be high in Fight Drive, the instinct to take action to defend.
Flight Drive: A dog who does not stand his ground when facing a so called enemy or frightening situation, flees, and he is said to be high in Flight Drive. This and other drives are well explained in the works of authors Jack and Wendy Volhard.
It is important for us to understand what drives a dog, what makes him tick, in order that we may not only live with him peaceably, but also so we may train him in the easiest possible manner. To train a dog naturally, in a way that makes sense to his way of thinking, means the dog will learn to do what you want at incredible speed.
If that sounds hard to believe, think about it this way. When dogs play or interact, from the second they meet, they are exchanging information using body language. They speak much faster than humans because they can say “don’t come any closer,” merely by squinting an eye. So their language is quick and most dogs speak it fluently. This is why you’ll see dogs introducing themselves carefully at the dog park before playing. First each must know where he ranks in the pack, who he can be boisterous with, and to whom must he yield. Rarely does a dog fail to understand when another dog explains to him, “I am dominant. I would like to play with you, but please allow me to control the play.”
This happens in the blink of an eye and is the main reason there aren’t constant fights in dog parks. In fact, one of the rare times dogs do fight is when two dominant dogs meet and cannot negotiate a power sharing arrangement. This is rare, because they normally can work out a solution. Fights can also occur when a dog lacks confidence, is high in flight drive, and is cornered by other dogs.
Generally, though, dogs communicate quickly, and for a great reason. If they can instantly determine what their relationships are to be, there is limited need for fighting. And that is good for the species. Evolutionary success demands that social creatures work out their problems peacefully within the species, lest the animals expend more energy on killing one another than thriving. Dogs are a very successful species, and their drives, coupled with their ability to adapt, is the reason.
So what does any of this have to do with training your dog? Let’s go back and remember Pack Drive, the urge to follow and collaborate with the Leader. Dogs have this instinct for a good reason. If no one is in charge, chaos reigns. This means in the dog pack, no one has the authority to determine when we hunt, which deer is slow enough for us to catch, which dogs should pass along the best genes by breeding, and so forth. Lacking clear Leadership, dogs become nervous or aggressive…or both. In the wild, neurotic or unproductive aggression spells doom for the individual so afflicted, or for the entire species if those traits become common.
Dogs are born with Pack Drive so that their species does not live in chaos, thereby dying out. Instead, Pack Drive allows a Leader to emerge and keep the pack safe, content and well fed.
Training your dog is an important step in teaching him to meet your expectations. By recognizing how he his psychology functions, you’ll have a better chance of helping him understand what you want. Appeal to your dog’s need for social order by being a clear and compassionate Leader. By all means, share resources with your pet, just be sure you go first.
Here are a few tips that can help engage your dog’s Pack Drive so that he’ll see you as a Leader, and want to cooperate with you.
One, exit doors ahead of your dog. Encourage him to wait while you step through first.
Two, when walking your dog, don’t permit him to pull ahead of you. Instead, use any fair training method to teach him to walk at your side on a loose leash.
Three, ask your dog to sit before you feed him. Do not release an excited dog to his food bowl. Simply get the sit and stand quietly until he relaxes for a moment, then feed him.
Four, if you enjoy close contact with your dog, allow him to snuggle with you, but only when you have invited him to do so. If he gets in your lap without an invitation, take him off, have him sit, then invite him up as a reward.
Five, take your dog for a walk in a large open field on a 20 foot leash. If he runs ahead of you, simply turn around and walk briskly the other way. Before long, your dog will find it more pleasurable to keep an eye on you and allow you to pick the direction.
If you struggle with any of these matters, a professional dog trainer can help you upgrade your Leadership skills. Reward your dog only when he is in Pack Drive, attempting to please you. As Dog Whisperer Cesar Millan says, dogs follow a Pack Leader.
Marc Goldberg, CDT
http://www.articlesbase.com/pets-articles/train-your-dog-with-pack-drive-669979.html
