Other posts related to insurance

Hmm.. Does My Pet Actually Need Annual Shots?

July 17, 2011 11:08 pm

I was recently reading an article that surprised me. I was a firm believer in my hounds getting their annual vaccines as I thought this would prolong their health. The article stated that recent research suggests that your animals only receive their annual shots every 3 years. Ongoing research is exploring the possibility that your pet is protected for life once he’s gotten his puppy shots.

You can read the article here: download Dr. Jones’ free report here

Ever since we purchased health coverage for the beagles, we are thankful that we've never had to use it and obviously hope that never have to look into other cheap term life insurance for the hounds. Vaccines and general animal health are not something to be taken lightly. Next time I take that hounds for their check-up, I’m going to ask the vet for their recommendation on how often the hounds should be getting their vaccines and if there is anything else they should or shouldn’t get so often.

Very interesting read for sure.

Wireless Pet Fence creeping in my mind again

May 11, 2011 9:38 pm
Sniped By Sun

Seems every Spring I start thinking about how awesome it would be to take the hounds out to my parents place and have them round around the house like they do here. The only problem of course is that they would not only run around the house, but they would also run right out into the woods and never be heard from again! I don't think my wholesale insurance for pets would cover me if I just lost my dogs.. Umm.. not acceptable.

So for this reason when I've started hearing about the wireless pet fences, it really starts to get me excited to perhaps try it out. I'm in a bit of a different situation however as I already have an in ground system which works perfectly for them her at my house.

My question? I wonder how easily they could adapt to the new system? Would they be able to at all I wonder? I've yet to be able to find a good solution or answer/question online - so if you know of anyone that's had both, or has both.. please let me know.. would love to take my hounds out to the woods in my car (with the system) and let them run around.. it'd be fun!!

Self Insure Your Pets?

February 4, 2011 9:43 am

I’ve posted before about how I pay around $30 a month for Pet Insurance for my two hounds. It gives me piece of mind that if something happens to them – that I’ll have some help in case things get really expensive, for that reason I think it’s a great asset to have. I’m starting to think however, that it may be a better idea to “self-insure” my pets instead of going through a separate company.

In order to self-insure, all I’d have to do is direct that $30 into a separate savings account and let it sit there. After one year I’d have $360 and really after 2 i’d have $720 which is a great start to self-insurance.

Over at get rich slowly – they wrote a post about this topic. The writers’ logical alternative is to put away the average cost of insurance in a savings account instead:

  • Pet insurance costs about $1 a day. That's $365 a year. My cat's medical care typically costs about $300 a year. I can readily save that money myself.
  • Routine care isn't covered. While an accident or serious illness could suddenly befall my cat, routine care is the bulk of expenses I have ever paid for a cat. It's true that a sudden illness could escalate those costs dramatically. This just happened to Monster as he was dying. After 15 years of cat tending, though, I have a decent sense of how much it costs on a day-to-day basis, and how common these expensive accidents or illnesses really are.

The key would be to make it automatic as the insurance that I have for my two doesn’t even cover THAT much, but the price is right. You can read about the plans I have at PC Financial here. I wonder if they’ll ever get into anything like the Blue Cross Blue Shield health savings account I had as that would be the best thing. Covered by the insurance – but also have some money to spend on routine items.

Therapy Cats?

September 23, 2010 8:59 am

I post a lot about dogs as I can’t really help it, I’ve really ever owned dogs and I am very much a dog person. I do have to try to change that though as cats are awesome too and they’re definitely a lot lower maintenance than dogs as far as care goes.

But did you know that in addition to the headline-grabbing heroes that have saved the lives of their owners, there are day-to-day cat heroes that act as seeing-eye cats and therapy animals.

Cats can also provide therapeutic benefits for people with plenty of years ahead of them. There is a growing body of evidence that animals have positive effects on people, particularly children and the elderly.

Dr. Bill Thomas developed the Eden Alternative in 1990 to improve the quality of life in nursing homes. A key element of the Eden Alternative is the use of therapy cats, dogs and birds, which live within the facilities. When the program was implemented for the fist time in a New York nursing home, it resulted in a 50% reduction in infection rates and a 71% decline in drug costs (Peri, "Talking with Bill Thomas," 2008). While this is just one example, it is not surprising. Overall, researchers have found that pet owners suffer fewer physical and psychological disorders.

A study of more than 10,000 pet owners in Australia, China and Germany found that people with pets visited their doctors 15-20% less often (Pet Health Council, "A Pet a Day Keeps the Doctor Away," 2007). Another study found that the survival rate a year after hospitalization for serious heart problems was 28% among pet owners, compared to just 6% for those without pets (Nash, "Physical and Medical Health Benefits of Pets," 2005). Pet owners tend to have lower blood pressure, which reduces their risk of heart attacks, strokes and other health problems. They are also less likely to suffer from depression and stress-induced health problems (Mayo Clinic, "The Health Benefits of Caring for a Pet," 2004). I wonder if it could be proven to companies like ssdi (whom provides financial and healthcare related services to people with disabilities) of the benefits of cat ownership and other animals. Who knows, perhaps it could lead to a reduction in premiums for owning a pet! Rock on!!

Thank God – Hunter Seems To Be Alright..

August 10, 2010 4:12 pm

After a lot of rest, relaxation and some anxious times – Hunter seems to be doing alright on his hind leg. In fact he’s doing so well that he’s almost ready to go on a small walk again I think. Definitely not going to be taking him in the field the rest of the summer, but at least it’s a start.

As usual when things like this happen I start to think about insurances to avoid any big vet bills – so I’m going to talk to Liz tonight about getting a bigger package for the guys with my current health insurance provider PC Financial, but if you’re anywhere in the world reading this I suggest that you look it up for sure, in the UK, check out here, in New York check out here, in North Carolina check out bcbsnc and around here I still like PC Financial.