10 Reasons Your Pet Insurance Will Fail You

Anybody who has a pet is likely to adore it and treat it as a member of their family; they are important and also expensive. Unfortunately medical treatment and also other mishaps can be expensive and for this reason many people choose to take out medical insurance. Pet insurance is actually older than many people may realise, the first policy was actually underwritten in 1980. British people are well known for loving their pets and many households have them, in 2009 Britain became the second highest country to take out pet insurance, behind Sweden. Out of all pet owners in the UK, 23% have pet insurance; this may be due to the worry of vet bills, due to the pet being valuable or rare or for many other reasons.

10 reasons your pet insurance will fail you: When taking out pet insurance you should be aware that there are likely to be some exclusions which are not covered within a policy. These exclusions are the typical ones although each providers's policy should be checked; the exclusions are likely to include:

* Illness which arises within the first thirty days of a policy being taken out, this often applies to many insurance policies in relation to any claims being made.
* Illnesses or conditions which arise due to pregnancy or the process of giving birth.
* Animals, mainly dogs which are registered under the Dangerous Animals Act 1976 or the Dangerous Dogs Act 1991, any policy which is found to breach these acts will be immediately be classed as void and illegal
* Dental treatment, although this is often policy dependent
* Behavioural problems and hereditary conditions
* Pets which are destroyed under the orders of the courts
* Illness associated with the illegal importing or exporting of animals
* Travel outside of the UK, unless stated within the policy, this is a major issue as many claims have been made which are not viable as people have failed to check their policies, individuals intending to take their pets abroad are advised to check all policy details.
* Claims in relation to diseases which should be reported to the correct associations, this includes diseases such as rabies.
* Dogs which are working, racing or guard dogs will not be covered under typical pet insurance although specialist insurance may be available.

People who take out pet insurance should also bare in mind when taking out a policy or when making a claim that there is likely to be a maximum pay out by an insurance company. The policy limits will depend upon each individual policy and also on the reasons for the claim. Some insurance companies stop pay outs for pets at £6000, although as previously stated, each individual policy is likely to be different.

Just like any other insurance policy, individuals taking out the policy will be asked to pay an excess towards any claims made, this happens with both house and vehicle insurance also. Some companies have a set excess fee and some will vary depending on the type of cover.

**The cost of excesses are listed below:

Direct Line - Fixed Fee
Marks & Spencer Standard - £75 cats, £90 dogs
Marks & Spencer Premier - £50 cats, £70 dogs
More Than - £50 cats, £70 dogs
E & I - Between £66 and £99
Churchill - £55 cats, £65 dogs

There also different types of pet insurance which can be taken out, individuals should select the type which they feel presents the best policy and also the best value for money. Some policies are time limited, meaning that a fee is paid for an agreed contract length, for example a 12 month policy is taken out, similar to car insurance. Although there is also the opportunity to take out pet insurance which will be valued for the lifetime of the animal, in other words the insurance policy is valid for the life of the animal whilst ever the insurance premium is being paid. People must consider that lifetime insurance provides a guarantee which is important.

As animals get older people may struggle to find fixed term insurance policies, for example a very old pet may not be a good opportunity for an insurance company to insure. Similarly if a pet has previously had extensive veterinary work, an insurance company may be reluctant to insure the pet again. These are serious considerations which must be made by all pet owners before agreeing to take a policy out.

People who own pets which are of unusual or rare breeds, whether this be a cat, dog or even snake, are likely to face higher pet insurance costs. This is ultimately due to the pet being valued at a higher price. These animals are also likely to require specialist vets to treat them which will produce higher costs than usual standard vets. Some insurers may avoid insuring such animals at all as the costs associated with these animals are often incalculable. Rare breeds are often expensive and are obviously very hard to come by; this increases the risk of such animals being poached or stolen. This risk has to be calculated into the policy and ultimately passed on to the owner of the pet; this may increase the premium substantially. What must be considered is that if the insurance is not taken out and anything was to happen to the animal, the owner would not have any form of cover at all.

Veterinary care has advanced substantially in recent years which means that pets can be treated with different kinds of treatments which do not include surgery. Such treatments include acupuncture, chiropractic manipulation, herbal medicine, homeopathy, hydrotherapy and osteopathy. Whilst these advances are obviously a great asset to the veterinary world, unfortunately the costs are often very high which are obviously passed on to the pet owners. Due to this insurance policies have now begun to include such treatments up to a certain value. Not all insurance policies do include these treatments and therefore it is important that the policies are checked first. Companies such as Petguard, Direct Line, Argos, Liverpool Victoria, Marks & Spencer and Churchill all offer cover for such treatments up to a certain value. The value which these are covered up to is likely to depend on each individual policy. It can not be stressed enough that all pet owners taking out pet insurance should read all the terms and conditions so that they fully understand the extent of the pet cover taken out.

Many pet owners wish to take their pets abroad with them; legislation now states that insurance must be in place before doing this, the Pet Travel Scheme (PETS) is the scheme which allows certain animals to enter certain countries without quarantine if certain standards have been met. The travel scheme can only be obtained if pet insurance which covers pets going abroad is taken out. There is often a premium to pay on top of usual policy costs to ensure that a pet is insured whilst abroad, although there is also likely to be a large amount of terms and conditions associated with taking a pet abroad.

People who own exotic pets are likely to want to take out pet insurance, this is normally done so though specialist insurance brokers. The cost of this cover is likely to be dependant on how rare the species is and also how much the pet is worth. Anybody wishing to take out exotic pet insurance may have to gain a vets medical report on the animal before a policy can be taken out. The majority of household names within the insurance market do no offer exotic pet insurance as it is such a specialist area.

Pet lovers will know that it is very important to keep a pets teeth in order, this just like any other pet treatment is expensive. Some pet insurance policies may cover dental treatment, although just like any other matter, it is policy dependent. If the policy does not cover dental care, specialist tailored policies can be taken out relatively cheaply which cover just pet dental care.

Horse riding is very popular within the UK and is also a multi million pound industry. Race horses and regular horses are worth large amounts of money, for this reason insurance will be taken out to cover them. Although insurance is not just taken out to cover the horse, the rider offer takes out insurance to cover them. Serious injury can result from horse riding and this risk must be covered through taking out an insurance policy. Horse insurance is often very expensive due to the value of horses and also the potential for them to be injured when racing or during regular riding. The benefits are clearly that the risk of being injured, whether it is the horse or the rider, is always covered when an insurance policy has been taken out. Fail to take out a policy may mean that any accident will be extremely costly in relation to loss of earnings and also injury.

Pet Insurance May Be a Good Purchase

The news is full of stories these days about the rising cost of health care. Routine hospital visits and surgical procedures that could once be paid with a personal check can now cost as much as a new car. The problem continues to get worse, as the cost of health care is increasing at a rate that is several times that of inflation. While the cost of health care for humans is frequently a topic in the news, few people realize that the cost of healthcare for pets is rising at a similar rate.
One possible solution to the rapidly increasing cost of health care for pets is to purchase pet insurance. Health insurance for pets has been around for several decades, but has only recently started to become popular with pet owners. As with health insurance for humans, coverage for pets covers a portion of the cost of many common and uncommon treatments for illness or injury.
In past years, veterinary science often involved a lot of guesswork, as the patients are unable to offer detailed descriptions of exactly what ails them. Modern medicine makes it possible for vets to perform CAT or MRI scans on ill or injured pets. While these cutting edge technologies are a tremendous help in diagnosing problems, the costs of performing them can easily reach four figures. Pet insurance can help with that in reducing out of pocket costs for the owner. Having insurance also helps make health care decisions easier. Having a policy in place could allow a beloved pet to receive treatment that might otherwise be considered unaffordable by their owner.
The cost of pet insurance can vary widely, depending on the type of pet. The annual cost of insuring a dog or a cat typically runs in the neighborhood of $200 to $500. Smaller animals tend to be less expensive to cover than larger ones. Preexisting conditions are generally excluded, so it may be in your best interests to begin insuring your pet while they are young. Many policies also have a waiting period of 30 days or so from the time the policy is purchased until the time the company will pay for treatment. Policies include deductibles, but will typically cover 80%-90% of the insurance company's allowed fees for particular procedures.
Paying $400 per year to insure a family cat or dog may seem like an outrageous expense. On the other hand, such premiums are small when compared to the cost of a $2500 operation. Currently, some 3% of all pet owners have policies for their pets, but as the price of health care continues to rise for animals, more owners are likely to buy policies to keep the costs manageable.



Copyright 2008 by Retro Marketing. Charles Essmeier owns several Websites, including EmailMarketingElite-Review.com, a site that reviews the Email Marketing Elite [http://www.emailmarketingelite-review.com/] program, and SitStayFetch-Review.net, a site that has a review of the ebook Sit Stay Fetch [http://www.sitstayfetch-review.net].




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How to Find a Lost Pet With Energy and Intuition

Whether your pet is lost on earth or living across the Rainbow Bridge on the "other side," there are many ways to find them. Here are 3 techniques to find a pet's energy on earth.
Doreen Virtue suggests that you engage your Angles to find your pet. Ms. Virtue recommends that you ask your Angel to go to your animal's Angels and tell your pet to come home! A very direct approach, if your pet answers to Angel directives.
Another way to direct your pet home is with a beam of heart love. Think E.T. "phone home." State: I ask and it is my intent from the love of my heart to send- insert you pets name here_ a beam of love from my heart that my pet can use to find their way home.
This is a technique that has worked enumerable times. There are often miraculous stories in the news about a pet that was lost, traveled for years across country to come back to their original home. Or tales of animals lost and finding their family in another location many months or years later. Those animals used their inherent instinct to follow a heart beam home! Nothing is stronger than pure love.
A third way to find you pet is a two part intuitive radar technique that allows you to scan for your animal's energy.
First, you state: I ask and it is my intent to feel the energy of fill in your pet's name here in my being or heart (whichever resonates with you).
Next, stand still and begin a slow rotation either going to the left or right like the sweep of a radar beam. When you feel that you have encountered a light pressure or have a full or thick sensation within your body stop the rotation.
Then state: Protect me and show or lead me to find pets name here for our highest and best good. So be it, it is done. Now, move slowly forward or look very carefully in that direction until you feel that you are not on course any longer. This can occur in a few steps or glances, or may extend for long periods of time. Each time you feel "disconnected," restate your directives and start again. The Universe is just refining and readjusting your course.
The last technique works particularly well for a pet or animal that may be incapacitated by its health, or in a place where it is physically incapable of returning to you on its own.
Do not give up easily on these methods. Because you and your pet have a unique energetic bond, think threads of a tapestry interwoven together, when one of the strings is loose you know it. In that same metaphor, when you "intuitively feel" your pet's energy, and your heart will know which way to go to find them because you instinctively KNOW the feeling of being together.



Brent Atwater
Pet Animal Reincarnation Authority
http://www.JustPlainLoveBooks.com
Email: Meg@BrentAtwater.com




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Tips About Dogs, Pet Lifestyle And Their Water Habits

Dogs are amongst the most faithful and adorable pets that one can have. However, you need to take proper care of these wonderful pets especially when they are in water.
Dogs need to be trained
It is not a bad idea to find an expert pet trainer to discipline your pet dog. You must know how to make your dog listen to you otherwise it would be difficult to control the pet lifestyle. You can also get a tip or two through social networking for pet lovers.
Groom them regularly
If you want your dog to stay clean and healthy, you must tend to it regularly the same way as you tend to your own body. It is also good for the hygiene in the house. Your dog's coat should be cleaned well and kept free of debris
Never throw your dog in the water
All breeds of dogs do not swim naturally. So even if your dog needs a bath every day, it is not a bad idea to throw him in the water expecting it to swim. Perhaps getting a life jacket for your dog is a good idea too. If your idea of pet lifestyle is a swim in the pool, you will have to lure your dog calmly and teach it how to swim.
Save your dog from potential hazards
Although a part of the pet lifestyle should include regular walks in the park where your dog can get some fresh air, it is important that you keep it on a tight leash. Your dog might end up being injured by some sharp objects, stones etc.
Pet diet
Your pet lifestyle must include a good diet. Talking to other people to find out what they feed their pet dog and how it is ensured that all the nutrients go in its diet. This is where social networking for pet lovers all comes to good use. Talking to others will let you know which brand of dog food is better and which brand should be avoided all together.
Treat the pet
Your pet dog should be able to respond to your treats, which is a very interesting way of making it follow your orders. That is how even trainers get their dogs to listen to what they order. It will not only make the dog feel comfortable but will also allow you to distract the pet from creating a ruckus especially when you want a quiet moment for yourself.
Give it a safe pet house
You must ensure that pet lifestyle of your dog includes a safe house. You must scan the entire house for a place where the dog might get trapped into like a small hole, cleaners etc. You must also ensure that the dog doesn't get to eat or chew something small that could be dangerous like an iron bolt for example. You must also keep the doors of the bedroom and the bathroom closed when you are not around.



To learn more on topics like pet lifestyle you can visit petsocialonline.com which is also a good site for social networking for pet lovers.




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The Differences Between Micro-Chipping and GPS Pet Locators

Technology has changed every aspect of our lives and continues to do so at a rapid pace. In terms of looking after your beloved pets, it should come as no surprise that thanks to technological advancements today, you can now track them using sophisticated GPS systems if they go missing. No one wants to lose their pet and by tracking their whereabouts, you can make sure that you increase the odds of finding them as soon as possible.

So what exactly is micro-chipping and what does it do? About the size of a grain of rice, a microchip is a computer chip that stores an identification number and transmits information to a suitable scanner through radio waves. To implant a microchip in your dog, you need to have your veterinarian inject the chip using a pre-loaded syringe between the shoulder blades of the animal. Most dogs feel no pain during this procedure, which is over in a matter of seconds. Once implanted, tissue surrounding the chip forms a casing that prevents it from moving. Most microchips are made of a bio-compatible material that rarely causes any infection. Once in place, the chip can be detected using a handheld scanner that then displays the unique code. It is necessary that you register your pet with the microchip company so that, your name, address, and contact details are accessible when the pet's chip is scanned.

Microchips should last a lifetime and do not need to be replaced or charged. In the rare occasion that the chip migrates away from your dog's shoulder blades, a scanner should be able to pick up the signals from anywhere in the body. Most veterinary clinics and pet shelters have a scanner for immediate identification. However, if your pet turns up in the few that do not, not much can be done in this case. An annual visit to your vet to check that the microchip is still functioning, and making sure your contact information is always current are also highly recommended.

A GPS collar is the latest and most adept form of pet tracking systems. Using the same technology found in automobiles, your GPS pet tracker allows you to pinpoint your missing pet's exact location in real-time. Updates on the whereabouts of your pet are constantly available through your cell phone or Internet. GPS devices can vary in sophistication - some only give you the location of the missing animal, while others will tell you where your dog is and how to get there. Some devices even include a beacon to help spot your pet in the dark. Most of these devices can be attached to a dog's collar and are battery-operated. Make sure that the device you choose has an exchangeable and rechargeable battery, water resistant, and sturdy such as the SpotLight GPS Pet Locator. Created and developed in conjunction with the American Kennel Club Companion Animal Recovery (AKC CAR) team to reduce the number of lost dogs, this includes an exclusive AKC CAR collar tag with a unique ID number that includes lifetime enrollment in AKC CAR's Recovery Service. With this assurance, owners of this GPS Pet Tracking system have access to the AKC CAR call center and the best recovery team available at all times.

In conclusion, a microchip is an excellent option for permanent identification and a GPS Pet Locator is an excellent proactive tracking device for your pet. By protecting your pet with both GPS and a microchip you can rest assure that your pet will be safe and... found.

This article is Co-authored by Chris Newton & Lewis Sheats, from Securus, Inc. For more information about GPS Pet Tracking System, visit http://www.spotlightgps.com/.

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Adopt Pets - How the Internet Helps You

How do you adopt pets? Everybody has a favorite pet. Some people love cats, others love dogs. Some people even prefer unusual pets like a hamster, parrot, rat, or iguana. No matter what kind they are, all of them are wonderful companions. There are all kinds of people who adore them.

When you are shopping for a new pet to bring into your home, why not rescue one from a shelter rather than buying one from an overpriced pet store? A great way to find these pets is to use a site like PetFinder. You can search for your new friend without ever leaving the house. The great thing about shopping for a pet online is that you can search through a wider selection and narrow down your choices.

For example, at PetFinder, you can search pets based upon age, breed, gender, size, and how many miles they are from your location. Want to narrow your search to a female Shih Tzu close to Montclair, New Jersey? You got it, over 100 listings to be exact.

There are over 200,000 animals listed in the database at any time. These are easily searched and sorted. Most of them have pictures too, so you can see what the pet looks like. You are not restricted to cats and dogs although these are the most popular. You find all kinds of animals here like snakes, alpacas, sugar gliders, and pigs. Just pick an animal you would like and hit the search button.

You may be leery of adopting an animal because they are usually adult pets. But you shouldn't hesitate to adopt a mature pet. Adults have already gone through the difficult puppy or kitten stage. Some adults are fully trained and that makes your job easier. A lot of people want a puppy because they are so cute. Puppies don't stay puppies for long though and if they are to grow into adult dogs with good manners, you'll need to train them well.

This takes a lot of patience and work. Puppies are little bundles of energy and need a lot of attention. If you want the joy and fun of having a pet but would rather avoid the stress and hassle of training him, then mature pets are the best option. Many of the pets on internet pet adoption sites are from local shelters and in desperate need of homes. These are usually adults but sometimes you find puppies and kittens too.

Once you have decided on the type of pet to adopt, then you can start searching and browsing listings. You can quickly scan summaries. These usually have a photo of the pet along with important details like location, age, breed, gender, and name. The pet usually has special icons next to him like if he needs special treatment, needs a home without children etc.

Go ahead and adopt pets. By doing this, then they would have found a home.

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Never Lose Your Pet

Losing a pet must be the last thing that could ever happen to a pet owner. There are a lot of things you can do to prevent this from happening. Follow the tips below to make sure that you are on the right track and recover your lost pet before it's too late.

What's Your Name?

It is every pet owners responsibility to name their pets when they first get them. For a welcome gift, remember to buy them collars with tags. On the tags, put important information that could be vital to their recovery in case they go astray. Name and contact information must be there. Also be sure to update it regularly.

Technology Is Your Friend

Nowadays, technology has replaced the old ways of tracking a lost pet. GPS tracking devices are the way of the future. Some collars are now equipped with GPS transmitters that could easily pin point the location of your pet with one easy look on your locator or a call to your service provider.

Microchip implants on the other hand are cheaper and permanent. Virtually painless when the procedure is done, these devices are placed on the loose skin of a pet above his shoulder blades. It works by providing information of breed and contact information of owners when scanned on shelters or vet clinics. Microchips are more or less what usually tags are for. Some say they are the dog tags of the future.

Take The Train Less Traveled

Sometimes people forget how important training could be to a pet. Learning to do what is said is actually the first thing any pet should learn if you do not want them to get lost. When a pet is focused and trained, it will not wander off when told to stay. To a pet any moving object could be a distraction. When a pet is a well trained, you will have a greater chance of not losing them.

Pet Pictorials

In cases that you do lose your pets, posters will be your best friend. A good poster is only as good as the picture it has. Always keep a recent photo of your pet and use this to create effective posters. Any distinguishable marks on your pets will be very helpful. To you, your pet maybe one of a kind but to everyone else, he will just be another animal on a line.

Success!

Knowing that you have done everything to prevent this from happening is the first step of ensuring that you never lose your pets. Of course, no matter how cautious you are, sometimes you can never really prevent accidents from happening. An open window or door could easily cause a lost pet. But because you have your safety nets in place, the chances of recovery of your beloved companions will much greater. In the end there is only so much you can do to prevent these things from happening. But to a pet owners life constant alertness is required. When you have a pet, you have the responsibility to keep them safe. And to do that, you must at least follow one of these suggestions.

Rick Condie has been an online trainer for over 8 years now. Specializing in eBay, and website design and marketing. For more information on pet security visit http://www.neverloseyourpet.com/

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Pet Survival Kit - Protecting Your Pets During Disaster - Dog and Cat

Pets can easily be lost in a time of disaster. While they would typically find their way home based on surroundings and scent, it can become difficult when the area has been changed due to weather or other natural disasters and the scent untraceable. That leaves your pet stranded wherever they may be without a lot of help in getting home to their family. A missing pet for many is the same as missing any other loved member of that family, which is why the utmost care must be taken in locating lost animals.

A tag with their owners name, phone number, and address, with the name of the pet clearly on it is a good start to getting your pet home. People are more willing to take in a pet that appears to belong to someone versus a stray looking animal. This is a quick sign that this animal needs help and is not harmful. This method is great for when the pet simply wanders a little too far from home in the neighborhood or on a busy street corner, but may not be best suited for a longer distance.

That is why technology has given us many other ways of keeping track of our pets and helping us locates them wherever they may end up. Microchips have been developed that will assist in identifying your pet if picked up by an animal shelter. It will provide them with your animal's name, as well as the owner's information. This also provides proof that the pet does belong to you in case a conflict arises over ownership. This is a harmless procedure in which a chip is inserted just beneath the skin of your pet in a location behind the neck. This standard location is used as it is easily scanned and consistent. Just next time you take your pet in for a check-up; talk with your vet on if this is a good option for you and your pet.

If microchips or tags just still does not give you a feeling of security about your pet, there is another option that will actually track you pet through satellite. It is practically a GPS on your pet. These can be placed on collars or also inserted into their skin. It will make tracking down your excited pet that made it out of the back yard chasing something of interest a lot easier, and practically double the chances of finding your pet after a serious natural disaster. Many veterinarians have the options readily available and can provide you with more information.

It does not matter which method you choose to identify your beloved pet, it is just crucial that at least one of these are put into action. A pet without identification is harder to track than a Jane Doe without fingerprints or dental records. So if you worry about your family pet, then take the necessary steps to ensure their safety and make the stress on you a little easier.

Get a Pet Survival Kit. Visit Our website http://www.SurvivalPacks.com

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5 Easy Ways to Boost Your Pet's Health

In the current's fast paced world, many animal owners find themselves without the amount time they'd like to spend caring for their pets.

Between work, chores round the house, kids, and so on. There just aren't really enough hours in the day to get it all done. With that noted, KV Supply has come up with a short list of 5 straightforward things you can do to boost the health of your pet.

1. Higher quality Food

Yes, it's easier and potentially less expensive to simply pick up a bag of dog food at the grocery or buy some enormous retailer's store brand. But is that necessarily the best food for your pet? And in the longer term is it actually cheaper? You may be stunned at what you find if you scanned the ingredient lists on your fave big name brand or store brand pet foods. Many of them contain fillers, unnecessary ingredients and by products that can be extremely unhealthy for your pet and can end up in long-term health Problems and increased costs. Changing to an all-natural or holistic brand can help maintain your pet's health and keep your total expenditures on pet care as small as possible.

2. Supplements

Supplementing your pet's diet can be a straightforward way to help improve their well-being and fitness. There are numerous additions available for joint support, digestive support, skin treatment, protection, weight control, heart health, liver support, muscle support and more.

3. Dental Care

Proper dental care is needed for the health of your pet and nothing beats regular brushing and veterinary dental checkups, but there are some straightforward things you can do to help your pet maintain healthy teeth. Dental chews or treats meant to help control plaque and tartar build-up also promote fresh breath. There are dental supplements that may help to control plaque and promote healthy gums.

4. Flea, Tick & Insect Control

Fleas, Ticks and other insects like flies are a few of the major carriers of diseases in pets. Controlling these pests is easy with the various flea, tick and pest control products around. There are a few flea & tick spot-ons and collars which make defending your pet simple.

Plus there are easy-to-use indoor and outside pest elimination products that can help break the reproductive cycle of pests like fleas which may eventually make insect control even less complicated.

5. Regular Exercise

Okay, so you may not have time to walk your pet every day. But there are methods to guarantee your pet gets sensible exercise. Be certain to provide a variety of toys for them to play with. Ensure you let your pet outside for a while every day or if you have got an within pet, give some space for daily play time. An exercise pen could be beneficial, particularly indoors. Of course you need to make the effort to stroll your pet as often as practicable. There are retractable leashes and even hands free leashes that make it easy to exercise your pet at the same time you are exercising.

Bonus Tip Regular veterinary Visits

This could appear like an obvious point, but many animal owners don't schedule regular vet visits.

Regular vet care is a useful way to maintain the health of your pet. Your vet will probably see a potential concern before the owner may realize there's a problem. Early detection can stop plenty of conditions before it's too late.

Mike is an avid pet enthusiast.

http://www.kvsupply.com

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Pet Health Insurance Policy - Don't Make a Costly Mistake

What to check before you but a Pet Health Insurance Policy.

Yes the policy will be wordy and everyone knows that trawling through it for small details is a pain. But consider the downside: if you happen to rely on something you thought was in it it could cost you thousands. Then perhaps you'll spare that half an hour going through it to ensure it exactly meets, or surpasses, your needs.

If you were sure that it covered existing ailments and when you came to claim for a course of treatment, found out that it didn't, what can you do about it. The answer is nothing.

So go through the following list and make sure that if you require the item that the policy you're investigating actually covers it.

Ensure they cover genetic or pre-existing illnesses. Many insurance companies will not cover illnesses that your pet had before the policy was taken out. In addition they may not cover associated illnesses. If your breed of pet is susceptible to a certain condition then that could also be excluded from any claims.
Apart from the excess on the policy (which is the amount you have to pay before the insurance kicks in) some policies will only pay a certain percentage of the bill. While this may not be a bad thing as it keeps premiums down, make sure the percentage is one you are happy with.
Make sure that you are happy with the amount of insurance that will be paid out in any one year or for any one illness. There is often a cap on the amount paid out by the pet policy.
Does the policy cover dental problems.
Will you be reimbursed for prescription drugs.
Lab work can be expensive, blood tests, scans etc. is this included.
Some policies will only offer reimbursement of expenses for so long into an illness. For example they may stop paying after 6 weeks of treatment. If you think you'll need more then ask for it before signing up.
Does the plan cover conditions that reoccur.
Make sure your policy does not cover anything that you do not want. Some people may have no interest in the "lost and Found" element of a policy. If you don't want it and it's included then you are paying too high a premium.
How long does the company take to pay a claim.
WIll premiums rise if you do make a claim.

Keep the list above in mind when picking your pet health insurance policy and avoid costly omissions.

Try to get the policy while your pet is healthy and then any decisions to do with treatment can be made on the basis of what is right and not what you can afford.

More advice on Pet Health Insurance Policies [http://essentialcatlinks.com/pet_insurance/pet-health-insurance.html] can be found here [http://essentialcatlinks.com/pet_insurance/pet-health-insurance.html].

Note that we are not attached to any insurance provider and do not sell insurance, we just want to see healthy pets.

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Microchips on Pets - A Chip Trick

Have you ever lost a beloved dog or cat? If you answered yes to this question then you know the uncertain feeling it brings. The feeling that there's a good chance you may never see your lost pet ever again. Not to mention the stress it causes to both you and your lost pet. If you heard of microchips and thinking of implanting one on your beloved pets then here is what you need to know.

Although collars are the first aid of a lost pet, sometimes they are just not enough. They can easily be removed and sometimes are uncomfortable to wear. Microchips on the other hand are very good alternatives to your typical pet collar.

A microchip implant is a very small device - around the size of an uncooked rice - placed under the loose skin your pet, usually on their shoulder blades. This technology is based on a passive RIFD (Radio Frequency Identification). It is implanted by injecting it directly on your pet's skin. It is virtually painless and it's permanent. It works by providing contact information of owners when shelters and vets scan the implanted chip.

A lot of pet organization and vets nowadays recommend micro-chipping. It is said to be one of the most effective ways of recovering a pet. According to studies, the chances that a lost pet with a microchip implant will be reunited with its owner increases by 75%. And in the U.S. it is estimated that only 14% of lost pets are reunited with their owners.

If your pet came from a shelter, it is most likely that it has already a chip implant. What you need to do is to update it by calling the service provider, which your shelters can provide. If your pet still doesn't have a chip, shelters, vets and other pet welfare organizations can help you get one. A regular implant cost from $30 to $50, a cheap price to pay to recover a loved one. Remember to register your information after the procedure, to ensure that your pets can be safely recovered in case of a lost.

Technology is not only for humans, now even our pets can become high-tech. With this innovation, more and more lost pets are recovered each year. The stress of losing a beloved dog or cat can now be eliminated with microchip implants. The benefits are more than obvious. So if you're thinking of getting a pet, think about getting them implants. In a few years microchip implants will the collars of the future.

Rick Condie has been an online trainer for over 8 years now. Specializing in eBay, and website design and marketing. For more information on pet security visit http://www.neverloseyourpet.com/

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Microchipping a Pet - So a Lost Pet Can Find Their Way Home

Every pet owner's biggest fear is the thought of their pet running away... never to be found again. This is especially scary if your pet doesn't always wear their collar with an ID tag. However, it's possible to put this fear to rest with microchipping a pet! A microchip is a tiny computer chip that is implanted by an injection similar to a vaccine needle under the skin of your pet. The chip is made of biocompatible material that will not rust or cause an allergic reaction. It is completely safe and will not hurt your pet when it is inserted. The procedure is always done by a veterinarian.

All kinds of animals can be microchipped, including dogs, cats, birds, reptiles and horses. Each chip has a unique code that can be traced with a scanner. Your pet will most likely be connected to you in no time after the code has been scanned. Most veterinarians and shelters have these scanners, making it more convenient for you to locate your pet.

If you are adopting a pet from a shelter, chances are that the animal has been micro chipped. You will have to contact the company that made the microchip and register your new pet in their data base.

The only real downfall to microchips is that they cost a bit of money, most costing between $30 and $45, however, there may be additional costs depending on the company. It's possible to cut the cost if your pet is enrolled in a pet health insurance plan. Another downfall is that each microchip manufacturer maintains its own database. So if you register your pet with one manufacturer, but your veterinarian is registered with another, it may take a little longer to locate your pet. However, all scanners display the name of the microchip's manufacturer, making it easier to identify the animal.

Just because you get your pet microchipped doesn't mean they are completely protected from ever becoming lost though. You should always:

• Make sure he/she wears a collar with identification tags.

• Be aware of your surroundings and new environments.

• Make sure gates are closed and fences cannot be jumped over or... dug under.

Microchipping a pet is the most effective way to locate a lost pet. But as they say, an ounce of prevention is worth a pound of cure, so make sure to take the necessary steps to keep your pet safe!

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Pet Drugs Online

Modern pet owners like to purchase their pet drugs online these days. There are many sites on the internet now where one can purchase your pets needs, and usually these are a lot cheaper than purchasing directly from your veterinary surgeon.

Veterinary prescriptions are available by law from your pet's registered veterinary surgeon and the prescription can then be filled by an ordinary chemist, although these tend not to stock a lot of the specific veterinary medicines which our pets require. We thus end up buying our drugs for pets through a variety of websites.

Once you have the prescription in your possession, it may be scanned or photographed digitally, or simply faxed to your chosen provider of pet drugs. At Drugs4Pets they will accept Word documents, faxed documents, Jpeg files, .tif files, .epx files, or any other image format. Posted copies or faxed copies are also acceptable. Most people send their veterinary prescription in one of these electronic formats, to obtain their drugs online.

Buying Pet drugs from an online shop is very simple and secure these days with the advent of credit card secure sites on the internet. Providers such as Thawte and Worldpay, allow greater levels of card security than ever before through triple-checking of credit card credentials before allowing payment to go through... This can give you that important peace of mind while buying your pet drugs online.

Delivery of your pet drugs online is usually by Royal Mail, though for an additional cost, courier services can be used. There is also sometimes a facility to have pet foods delivered to your door by the online pet drugs merchant. This will normally attract an extra cost, but may be well worth it to reduce the hassle of going to your vets or garden centre to go and purchase your Hills or Royal Canin Waltham Pet Foods.

It is worth shopping around when purchasing drugs for your pets online as several providers now exist. Prices can vary widely and it is worth monitoring various sites to compare prices of the drugs online. Sometimes the cheapest is not necessarily the best and some sites have a poor record of customer service. Good providers will usually answer all follow up queries and will be prepared to replace your goods if stolen or lost in transit, subject to certain conditions.

If you are contemplating purchasing drugs for pets online, why not make sure your prescription is ready well beforehand - this will help process your order more quickly, and allow a smooth transaction with minimal delay.

It is also helpful, when purchasing pet drugs online, to make sure that the surname registered on the website as the orderer and recipient is the same name as that which appears on the prescription. Failure to do this can lead to confusion and delays.

Pet Drugs Online is the new way to go about purchasing your pet's medical needs. Drugs4Pets, drugs4pets.co.uk will help you to find your pet drugs online and you will be able to save money over the cost of medications from your regular veterinary surgeon.

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Tips For Taking a Pet in a Carrier on an Airplane

Many people want to take their pet on an airplane but may not have had any experience of doing it previously. This can be quite daunting as all of the airlines seem to have different procedures and guidelines and in addition, some staff that you ask for help or information know more than others. Let's take a look at a few tips to help you understand what you need to do to prepare.

Booking

When you book your ticket you need to tell the airline that you will have a pet on board. They should at this point if you book over the phone tell you what you need to do and any fees involved. If you don't book directly or use the Internet, then you should ring up with your booking reference and make sure that they have it noted down that you will have a pet with you. They need to know in advance as they only have a limited number of pets in the cabin per flight.

Get a Good Airline Pet Carrier

You need to make sure that you get a good quality airline pet carrier. I'll provide a link to the best ones at the end of the article, but them main thing to consider is that it should keep your pet safe, comfortable and secure. It will need to be big enough for your cat or dog to stand up and turn around and some airlines will state this in their conditions. It must also be of an approved size so that it can fit underneath the seat in front of you and be easily carried as hand baggage.

When Flying

Get there early to give you plenty of time to pay any fees, fill out any forms and get through security without rushing. Remember that you pet will need to be removed from the carrier while it is scanned so make sure you have you hands free for that and a couple of treats available to keep your pet calm. As you will have checked the regulations with the airline in advance you should know everything that goes on, but it is worth having a print out of their regulations from the website along with details of the dimensions of you carrier. This will avoid any awkward times with staff who don't fully understand the procedures for their airline.

During the Flight

You want to get a carrier that makes it easy for your to check on your pet. You can't get the animal out on the plane so it needs to be comfortable in there for the duration of the flight.

As long as you let the airline know about your pet, pay any required fees and get their early you'll be fine. Just make sure that you have a great airline pet carrier.

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Pet Food Label Secrets Revealed! Know What You Are Feeding Your Dog And Cat

Reading a pet food label, how difficult can it be? You just pick up your regular brand and look at the variety on the front, right? Not so fast! Reading a pet food label isn't as easy as you may think. It's not just ingredients and feeding suggestions. There's also a "secret code" you should know about. The code helps you separate the Chicken Formula from the Chicken Dinner and the Beef and Bacon from the Beef with Bacon. You may be thinking "Aren't they all the same?" and the answer is no.

While pet food labeling is regulated at the federal level, some states have their own labeling laws. Many follow the Pet Food Regulations established by the AAFOC (Association of American Food Control Officials).

The secret of pet food descriptions are dictated by four AAFCO rules...

1) The 95% Rule - The products that fall under this regulation have simple descriptions such as "Chicken Cat Food" or "Beef for Dogs". These foods must contain at least 95% (not including water) of the named ingredient. In this case, chicken or beef. If a food description contains more than one meat, poultry or fish ingredient such as "Chicken and Liver Cat Food" , then both ingredients combined must equal 95%, with the first named ingredient being the highest percentage of the two. The 95% rule does not apply to grains and vegetables, so "Chicken and Rice Dog Food" must still contain 95% chicken.

2) The 25% or "Dinner" Rule - If the named descriptive ingredient falls between 25%-94% of the total product (still not counting water), then the description must include a qualifying word such as "Dinner", "Platter", "Formula", etc. As in the first rule two listed ingredients must have be at least 25% of the total weight combined. So, "Chicken Dinner" only has to contain 25% chicken, while "Chicken and Liver Dinner" only has to contain 25% of the two combined. (Minimum of 3% of any named ingredient.) Unlike the first rule, the 25% rule applies to all food, not just meat sources.

3) The 3% or "With" Rule - This is where things get a little sneaky. Any ingredient on a label proceeded by "with" must equal at least 3% of the total weight (minus water). That might sound all right if the food is "Beef with Chicken" (95% beef, 3% chicken), but how does it sound in this form..."Dog Food with Beef"? Yep, that tells you that it only has to contain 3% beef! (Makes you wonder what the other 97% contains doesn't it?)

4) The "Flavor" rule - There is no percentage attached to an ingredient described as a "flavor". There only needs to be an amount sufficient enough to be detected by test methods. As you can probably guess "Chicken Flavored Cat Food" may contain very little chicken. In this case it doesn't even need to be chicken as we normally think about it, but instead can be chicken meal or chicken by-products.

Premium Food - Looking down the pet food aisle you may be attracted to foods listed as "Premium" or "Gourmet". These descriptive words have no requirements attached to them, so while a "Premium" food may sound like it's higher quality food, in reality it doesn't have to be any better than anything else on the shelf.

Now you know the secret of pet food descriptions and can be confident that the next time you're scanning the different varieties of food for your best friend you'll be able to tell the difference between "Beef for Dogs", "Beef Dinner", or "Dog Food with Beef".

Jill Richards is the Owner/Operator of "Have Leash, Will Travel - Pet Sitting" in Aurora, CO and offers t-shirts, sweatshirts, and stickers to Pet Professionals, Animal Rescue Workers, Anti-Breed Ban/BSL Fighters, and Pet Lovers through USPetPros.com

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Pet Proof Your New Home

Before bringing your pet into the new space of your new home, take several steps to ensure your safe haven is indeed safe enough. Pets will naturally investigate the world they find themselves in. Of course, this cannot and should not be discouraged. But consider the hazards your pets may encounter in your new home. Take the following measures to minimize any potential danger encountered in your pet's daily travels about the new house.

- Barriers should be put up to keep pets out of areas where they are not welcome.

- Children in your family should also understand the importance of locking or closing these gates and barriers.

-Keep in mind that most intentional destruction by pets stems from a lack of exercise or mental stimulation. Have a plethora of play/chew toys available for dogs and consider a scratching post for the energetic cats.

-Establish routine with consistency in your new home. You may be busy setting up, but there will be long term payoff for consistent walks with the dog.

- Chemical Substances should be kept in a safe location .This includes all chemical substances. Although some are lethal, most can cause serious upset or intestinal complications.

- Know what plants are poisonous to pets and ensure they are out of reach.

- Put away pill bottles and pill organizers. A dog can easily chew open these containers- childproof or not!

- Check fences and hedges to see if your pet might be able to escape. Never underestimate a dogs ability to dig and a cat's capacity to slide through anything.

- Dogs like to be able to look out and see what is going on. Try to keep items, especially fragile ones, away from windows.

- Tame cord clutter by hiding cords under baseboards and carpet seams whenever possible. A pet can suffer burns or electrocution from chewing on live cords. You can also use cords covers to mitigate possible danger.

-All things "stringy", including string, yarn, dental floss and rubber bands can cause intestinal blockages or strangulation. Keep these items out of reach. Do a vacuum or floor scan of your new home before welcoming your pet/s.

A rule of thumb to follow: treat pet proofing much the same as you would approach baby proofing your home. No detail is too small to be overlooked. Take all the care in the world setting up pet safety in your new home, and you will have safe, happy and healthy pets as a result.

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Five Steps To Cheaper Pet Insurance

1. Neutering

If your pet is not already neutered or spayed, lower the cost of your pet insurance by having the procedure done. Neutering / spaying is far more affordable than the cost of dealing with a litter born to your pet, and most insurers will lower your monthly premium if your pet has been "done".

What's more, there are numerous health benefits for a neutered pet, so there's really no reason not to go ahead with it. Many charities, shelters and even vets will offer discounts or easy-pay schemes to make neutering all the more affordable.

2. Microchipping

Microchipping is a simple procedure that can both provide peace of mind and lower your pet insurance premiums. A small, flexible disc is inserted into the back of your pet's neck. Your contact details are loaded on to the disc (also known as a "chip", hence the phrase microchipping), and when the disc is scanned the owner details will appear. This means it's easier for a shelter or veterinary practice to track you should your animal somehow end up in their possession, and lessens the fear in insurance companies who offer policies providing finance for a leaflet and posting campaign in the event your pet goes missing.

3. Use Sparingly

Realistically, pet insurance should only be used for major costs that run into the hundreds or thousands of dollars / pounds. If your dog has a simple eye infection, for example, with treatment costing ￡40 / $60, it's better for your policy that you pay this yourself rather than claiming on insurance.

This may seem to negate the very idea of pet insurance, but remember your excess will usually be at least ￡25 / $40, so you're not losing that much at all realistically. It's only when vet fees start to become extortionate should your insurance be called upon; see it as an emergency fund, rather than a fund for day-to-day expenses. If you do claim for small amounts, your premiums will rise.

4. General Health Maintenance

You should treat your pet for fleas every four weeks, and for worms every three months. These are simple, inexpensive tasks that could save you a lot of money in terms of vet consultations for what are basically minor complaints.

Try and bathe your pet every time the season changes, so four times a year in total. Check their skin, mouth, eyes, nose and ears thoroughly; the sooner you spot a problem, the cheaper the treatment will be. If pet is over a certain age, feed them an age-specific diet, and alter a diet if an intolerance begins to display itself.

All of the above make a visit to the vet less likely, and thus less claim on your policy.

5. Indoor Cat

Cat owners, if you wish to instantly lower your pet insurance policy, consider turning your cat into an 'indoor' cat. This will lower your policy as you will not need the extra cover due to the dangers of the outside world, and is generally considered a good step for overall health. Most cats do adjust to being indoor cats eventually, so give it a try.

Pet Insurance Guide is exactly what the name suggests; a total guide to pet insurance for the prospective buyer. Visit today for a complete overview of pet insurance, plus plenty of tips and advice on how to lower your premiums.

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Pet Insurance - Things To Know About Pet Insurance

Being a proud owner of pet can be joy most of time but the medical bills can be expensive at times. The soaring vet bills are often the reason that pet owners worry about especially for old pets. If you are thinking about getting your pets insured you need to ask a few things to before putting your signature on dotted line. Here are few tips on buying the pet insurance.

• Know your pet

• Buy the full coverage

• Technology coverage like MRI and Scans

• Ask the vet for recommendations

The insurance is often based upon the age, health and the life expectancy of the pet. If your pet is in excellent health now and is not having any particular problems or is not a rare breed, chances are you might be able to obtain the reasonable quote for the insurance.

The rising cost of the pet health care often takes three figures quite easily. The estimated cost of pet care for life time is often estimated at average of $2000 to $4000 these days. Reading the details of coverage is a great idea that might help you determine the real cost that might be taken by you. If your insurance company is not paying for some common disease of your pet then you should try to find another instead.

Similarly the pet care should be taken the recommendation of your vet in deciding for the insurance too. They are often more familiar to the basics of the insurance plan for pet and can give you some good tips on that as well. One very important thing to ask the insurance experts about which doctor they have on the list. If the treatment is not satisfactory, or the company is cutting corners at that you better find some other one.

For more information on Pet Insurance and Pet Insurance visit my website.

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Why Microchip Your Pet?

Once a cat or dog is adopted, I highly recommend microchipping them before leaving the shelter. A common question people often ask after making this recommendation is, "What is microchipping and what are the benefits?"

Microchipping is the process of inserting a small, inert chip about the size of a large grain of rice beneath your pet's skin with a syringe. It feels like a small shot - your pet may experience slight discomfort for a moment or two, then feel perfectly fine. The chip will contain your contact information, once you've registered it in the microchip database. Microchipping your pet is a quick, easy and typically inexpensive process. When I had my small kitten microchipped, she seemed look at me, wondering what was happening, but barely made even a small sound while the insertion process was going on.

But why is it important to get your pet microchipped? Once a cat or dog is adopted, they don't immediately know what their new home looks like. So, if they happen to get loose somehow (dart out the door, escape their leash, etc.), they will not know which house is their home to return to. I have a friend who wished so badly that he had gotten his new puppy microchipped - he only had him for a week when the dog decided to explore the neighborhood. After hours of calling his name, the neighbor found the pup sitting near the edge of their lawn. As in my friend's instance, keeping your pet secure will help ensure its safety, especially during the first few weeks. But microchipping can offer added peace of mind that your lost pet will be reunited with you no matter what unexpected event might occur.

One fact that many pet owners aren't aware of: when a dog wanders away from home, they are often social and go up to people for help. Cats, however, will be more likely to cower in a corner - probably behind some bushes or under a deck - and can go unseen for days, until it's too late. Keeping your eyes and ears peeled for a scared, whimpering kitty will be helpful in their survival.

If your pet does scurry off and is found far away from home, a local shelter can perform a simple scan to retrieve your contact information. Important: Your contact information is only available once your pet's microchip has been registered in the database. This should be done almost immediately after the chip has been inserted. If your phone number or address changes at any point, it is important to update the information as soon as possible to ensure that if your pet is ever lost, it can be easily reunited with you.

If you're interested in learning more about microchipping and helping lost pets find their way home, visit the lost pet website today!

For more information, registering your pet and more visit our lost pet website.

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Pet Health Insurance Reimbursement Models - What Pet Owners Need to Know

Besides the obvious limits that are stated in an insurance policy such as annual maximum, per-incident maximum, deductible, and co-pay amounts, there is another variable that isn't so obvious that is an important factor in determining how much a pet owner is reimbursed by the insurance company when they file a claim. Insurance companies figure their reimbursements in one of three ways:

1. A simple computation based on whatever the veterinarian charges. For example, if the total invoice is $2000 and everything on the invoice is a covered item and the deductible is $100 and the co-pay is 20%, the reimbursement would be:

$2000 - $100 = $1900 x 80% = $1520.

This is the easiest method for pet owners to understand and generally gives pet owners the largest reimbursements. Since it is based on the actual charges of the veterinarian, it keeps up with inflation. Most of the newer companies use this method. One criticism of this method is that premiums may rise faster because the only limit on reimbursements of covered expenses is whatever the veterinarian charges.

2. The reimbursement is computed from a "benefit" schedule based on the veterinarian's diagnosis. Sometimes these reimbursements can be as much as method #1. However, sometimes they can be significantly less than method #1. For example, if your pet gets sick with pancreatitis and the maximum reimbursement allowed for this diagnosis is $865, but your submitted claim is for $2000, you'll get reimbursed $865. Using method #1, you would get reimbursed $1520. Most cases of mild pancreatitis will be less than $865, but a severe or complicated case can cost thousands of dollars. Because the benefit schedule does place limits on what the insurance company will pay, the premiums may be lower for this type of policy.

3. The reimbursement is based on a fee schedule of "reasonable and customary" fees for your geographic area of the country. Each charge on the invoice for a procedure or product is compared to the fee schedule and the insurance company will reimburse according to the schedule. If your veterinarian charged more, then you are responsible for the difference.

Fees can vary for a certain procedure from practice to practice even within the same city. Each practice has it's own unique philosophy of practice and overhead which will affect all it's fees. For example, if your pet is referred to a specialist, does the fee schedule take this into account? A specialist's fees are higher because they have more expertise and may use higher technology e.g. CT scan or MRI or perform more sophisticated surgery than your regular veterinarian. Perhaps even your regular veterinarian uses ultrasound, endoscopes, laser surgery or more advanced dental equipment, etc. Perhaps they have a newer hospital and a larger staff. Judging whether a veterinarian's fees are reasonable should not be measured by what is considered customary according to an insurance company's fee or benefit schedule, but on the perceived value you receive in return for the fee.

If you look closely at the fine print in the policies of companies that figure reimbursements using method #1, some also state that they pay benefits based on what is "reasonable and customary." For the time being though, they use that as a fall back - only when a fee for a procedure seems way out of line. Will there be a time in the future when they are forced to use the reasonable and customary fee schedule routinely as a limit on reimbursements in order to keep their premiums competitive?

Unless they are updated frequently, benefit schedules and fee schedules can become obsolete due to inflation.

Be sure and take into account how a company figures your reimbursement when making the decision to purchase pet health insurance.

Dr. Kenney is a practicing veterinarian in Memphis, Tennessee. He author's a blog ( http://petinsuranceguideus.com ) devoted to teaching pet owners how pet insurance works and to helping them make informed and wise decisions when selecting a company and policy to cover their pet.

The blog also offers the latest information on each of the pet insurance companies that insures pets in the United States along with podcasts, videos and even a free Pet Insurance Toolkit to help pet owners when researching pet insurance.

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Disaster Preparation - Evacuate Your Pet Safely

Many pets have been lost or even killed in floods, earthquakes, fire, tornadoes or hurricanes. It is not because we don't care about our furry friends, we just don't think about preparing a pet evacuation plan. With millions of pets in the United States, they are often considered members of the family. Making an evacuation plan ahead of time for both your family and your pets will give you the best chance for the safety of all.

Even if you are able to stay in the home during a crisis, be prepared and plan for the worst. If you do have to evacuate to a safer location, there are a few things you can do now to ensure your pet's safety. The best thing to do if you have time before disaster strikes, is to take your pet to a friend or family member outside of the area. Make sure that they are aware of your pet evacuation plan and agree to take care of your pet until it is safe for the animal to return home. This is probably the best thing to do, so you don't have to worry about and take care of your pet as well as your family during the disaster. Alternatives are to have a list of kennels or emergency animal shelters who will care for your pet. If your whole family has to evacuate, find a couple pet-friendly motels or hotels that can accommodate all of you.

All pets should be leashed and wear a collar and with current identification, which includes the pet's name, owner's name and phone number and the vet's phone number if possible. A crate should be available, because animals often get scared and tend to flee. This will keep your pet close to you at all times. If your pet does run away out of fear or gets lost, make sure your animal has a microchip with your current contact information. When the animal is found and brought to a shelter, the microchip is scanned and your pet can be returned to you.

Just as you have an emergency kit for you and your family, so should Fido. It can be as simple as, a minimum of a three day supply of can or dry food and a few bottles of water. any medications, a blanket and a crate. Preparing a pet evacuation plan in advance can save you time and worry if you need to move your furry friend to a safer location.

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The Importance Of Pet Insurance!

Having been a rottweiler owner for a long time now, I have certainly experienced the highs and utter lows of an extremely ill pet. Those experiences although very unpleasant and heart breaking at the time, made me truly understand the importance of pet insurance for absolute peace of mind. As pet owners we always try to do our best to minimise health concerns such as joint problems for example, by stopping your puppy from over exerting themselves at a really young age. The reason we need to be careful is because right up to the age of around 2 your rottweilers body grows so rapidly that activities such as leaping in and out of the back of a ute can damage the joints ie knees, elbows and hips creating all sorts of problems that with a little care, really can be avoided.

Proper vaccinations at the required times should also be carried out by your vet which will help prevent your rottweiler contracting any number of diseases, some of which unfortunately can be fatal.

General grooming ie brushing his coat, clipping his nails and keeping an eye on his teeth and ears should all be done on a regular basis. This will help you detect problem early if they arise which will prevent infections becoming a painful and "expensive" concern.

Lots of peoples belief is that their pet very rarely needs medical treatment therefore having insurance is an unnecessary expense. Instead of having cover they decide to set a small sum of money aside just incase the unthinkable happens. In a lot of cases thankfully that is true but I don't think people really understand and appreciate just how expensive one visit to the vet can be, never mind if your rottweiler pet requires on going treatment

I got my beautiful boy Max when he was just 5 weeks old ( back then I did not know the right and wrongs in caring for a pet other than giving them heaps of love!). Puppies should never be taken from their litter before 8 weeks of age as this time teaches them crucial and important social skills which they can only gain from their siblings and mother.

When Max was only 6 weeks old and still suckling as new pups tend to, he somehow managed to swallow a 30cm long twig which then got stuck in his throat and stomach. I took him to my local vet immediately and after an examination Max was sent straight into surgery to have the twig removed. Unfortunately this was to be the beginning of a number of many unforseen and traumatic incidents that happened throughout Max's life.

Back then I really did not understand the importance of pet insurance and what was on offer, but once my vet explained what was available I immediately did some research, checked out several different companies and got full insurance cover for Max. That turned out to be the best decision I could have made.

At around 12 months of age I saw a wart like lump the size of a pea below his anus. When I took Max in for his scheduled vaccination it was looked examined and checked over by the vet and I was asked to keep a close eye out for any changes of its form, colour or size. At 2 years of age it unexpectedly changed quite rapidly and looked quite ugly all of a sudden. This was then checked again by my vet and tests were performed to find out precisely what it was. The news was not good at all, as they found nasty cells which turned out to be a mastcell tumour (cancerous malignant tumour ). We did not really have any options other than surgery to have the mass removed and to hope and pray that the vet got all the cancerous cells during this operation. The news was good and thankfully the surgery was successful.

A year later Max injured his cruciate ligament ( located in the knee joint) running after rabbits in the paddock. This also required surgery to give Max back his proper mobility and relieve him of the pain from an unstable joint. Again the surgery was successful and recovery took roughly 6 to 8 weeks. Due to the excess strain on his opposite knee joint, not long after he had the all clear from the vet regarding the first cruciate operation, his good cruciate ligament ruptured. So once again surgery was needed and strict rest and only on lead walks for 6 to 8 weeks were allowed. It was so hard for Max to be physically limited for such a long time as he was always a very active dog who loved to run around all day!

At 6 years of age I noticed a tiny growth on his lower gum line next to his back tooth. Due to Max's history we got the lump checked out straight away and the results were not good. It came back as a gingival fibrosarcoma which is another horrible cancerous tumour. Because of the particular type of cancer it was Max was also required to have a CT scan performed as this would show us if the tumour had spread to any other part of his body. He had to go through yet more surgery which ment removing almost half of his jaw on the left side. Again the surgery was successful and even though he was missing half of his jaw he coped unbelievably well and was still an extremely happy beautiful boy.

When he was around 9 I had to do a road trip from Newman which is north WA, all the way down to Perth (12-13 hour drive). Because of the heat and excitement of the journey, within minutes of Max consuming his dry biscuits, his stomach had blown up like a balloon and I knew immediately that he had bloat (GDV- Gastric Dilation Volvulus) which can be fatal if not treated straight away. This condition is quite common in large breed dogs and it is when the stomach is so full of food,water and air that it twists on its self. I rushed Max to the vet were he had emergency surgery and was in a serious condition for the next couple of days. Even after all of his illnesses and treatments Max again completely recovered and always had a happy, bubbly attitude towards life.

Not long after suffering from bloat, Max became lame in his back leg and within days could not use it at all and was in a lot of pain. Once again I took him to the vet thinking he may have flared up an old knee injury as he still ran around like a puppy even though he was now nearly 10 years old. After x-rays we were absolutely devastated to learn that his leg was broken due to a bone cancer (Osteosarcoma). We really only had two choices, put Max to sleep or amputate his leg and see if he would be able to cope with this major operation. After many more tests to see if the cancer had spread ( metastasized ) we decided to go ahead with the amputation and a very intensive course of chemotheraphy. Within less than 24 hours of having his leg amputated Max was up and about and so happy to be free of pain and mobile again.

For the next 3 or 4 months he underwent his chemotheraphy treatment and then finally came the day for him to have x-rays to see if he was in the clear. As you can imagine it was a very nervous time but we were exceedingly relieved and overjoyed that Max had survived yet another life threatening illness.

He was now almost 11 and due to everything he had been through ie drugs, treatment etc his liver could no longer cope and had started to fail. They did more tests but there really was nothing they could do for him as the liver damage was far too advanced and I faced the horrifying reality of doing the right thing by him and letting him go. Saying goodbye to Max was the most heart breaking thing I have ever had to experience as he was my best mate and loyal companion. He taught me so much about love and how not to be selfish, he was a truly exceptional boy who will always be with me.

Now I realise that Max's situation was not common and that thankfully most pets will not have to experience any of those illnesses but without good pet insurance Max would never have made it to his tenth birthday. Max's treatment over the years cost well into the tens of thousands of dollars and fortunately for me my pet insurance gave me the total peace of mind to know that what ever happened I could always give him the care he needed no matter what it cost. I believe that being a responsible pet owner means we not only provide our pets with a loving home but also guarantee their health is taken care of properly.

Having been through a very difficult time with my boy Max I truly know the importance of pet insurance and would recommend that all pet owners should consider coverage that suits them. [http://www.dorysdogtraining.com/importanceofpetinsurance]

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Air Travel With Pets: Getting Through Airport Security

You're at the airport, with your furry friend in their airline-approved pet carrier, ready to board the plane and be off to your destination. You're patiently waiting in line to get through the security check, and maybe you're a bit nervous about what will happen. How will the TSA agent react to your travelling companion? Will there be any problems?

There is nothing to be worried about as long as you're prepared!

Being prepared is very important when it comes to air travel with pets. If you know exactly how the procedure will go, it will make it much easier when it comes time to get through security. With all of the chaos and confusion at security checkpoints, and people intent on quickly getting through so they can board their plane, the best thing you can do is familiarize yourself about what will happen.

First of all, the TSA agent will ask you to present your pet to them for security screening. If you are able to, you will be asked to walk your pet through the metal detector. If this is not possible, your pet will still need to be checked over via a secondary screening involving both a visual and physical check. Yes, as funny as it may seem, your little buddy is going to need a pat-down along with you. Don't worry - your pet will never be asked to undergo an x-ray screening, but you may be asked to remove it from its carrier, as the security guards will probably want to scan the carrier itself. It's standard procedure.

If your pet is easily spooked or you think the high commotion of the airport may scare them or cause them to act out, you can request a room to keep your pet inside while the x-ray check of their carrier is taking place. This is a good option if you fear that you may not be able to contain your pet in the airport once it is out of its carrier. Please consider the fact that even the calmest of pets can get nervous or scared when in a loud, unfamiliar environment. The last thing you want is your little buddy to take off across the airport!

When travelling by air with a pet, the key is to be prepared. Get to the airport well in advance of your boarding time to give yourself time to get to the gate and get through screening. Make sure you have your hands free of personal belongings when it comes time to go through the security check so that you can easily handle your pet. If you're travelling with another person, they can be a big help, but it's not hard if you're travelling alone. Bringing a leash along will be a big help for when it comes time to remove your pet from its carrier. Remember, even if your pet is usually calm, if they've never been through an airport security check before, you can never know exactly how they'll react to the noise and strangers around them.

If you plan on taking a flight with your beloved pet in the near future, you'll need an airline-approved pet carrier. I strongly suggest reading my site for a list of all approved pet carriers for airplanes, which makes it easy to choose the perfect one for you and your pet.

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Why Pet Insurance is So Important For Your Pets & Your Finances

A lot of families throughout the UK have a pet of some kind and whether you are a dog lover or a cat lover they need protecting. Both dogs and cats have tendencies to be mischievous and rummage around in places that can contain harmful objects and items that can be very dangerous to their health, and in the event of your pet coming down with a disease veterinary bills can be expensive. The last thing you need is to pay hundreds of pounds to have your pet seen to or operated on, especially in the difficult financial times we are currently in.

Without any kind of pet insurance in place you could really struggle by if you have to pay these bills yourself, yet for a small monthly fee you can give yourself peace of mind in the event of your pet falling ill or needing emergency surgery. Having pet insurance is an important factor if you own a pet, and most people treat their pets as part of the family.

So why should you take out pet insurance?

o Emergency visits to a vet cost around £300 on average

o Ongoing treatment for a pet without any insurance can be very expensive

o MRI scans can cost between £800 - £1,000

o X-Rays can cost between £100 - £150

o If you own a pedigree pet the veterinary bills are likely to be more expensive

Most pet insurance policies will let you tailor-make the cover you want on your pet so it's suited just for your requirements. This means you can take out anything you don't need and add anything you do need, saving you money and time.

Pet Guards Insurance from JLT is an established pet insurance company that has been providing quality cover for 30 years. If you need any advice or guidance on if you should get cover for your pet, or what type of cover you need then feel free to take a look on the Petguard pet insurance website to get a quote.

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Pet Insurance - Is It Right for You?

Having health insurance options for pets is a relatively new trend. Perhaps ten years ago, people would have laughed if you told them you bought pet insurance, but today, it's big business. As a pet owner, you probably know how expensive a visit to the vet can be. If you're lucky, you will never have to do anything more than get Rusty a check-up and his regular shots. But most likely, Rusty has had some more serious health problems. Genetic and physical disorders can be a costly issue.

What Does Pet Insurance Provide?

It's not so different from human health insurance. Pet insurance companies generally offer different plans. They have deductibles, premiums, copays, limits, and exclusions. The offerings are highly variable, as with human insurance, so if you are considering purchasing, be sure to shop around. Understand what the risks are for Rusty, especially if he is a pure breed. Know what he is genetically predisposed to and read policies very carefully before purchasing so that you know what will be excluded.

What are the Pros of Buying Pet Insurance?

According to U.S. News and World Report, Americans spent $9.4 billion on pet health needs in 2006 and the costs are rising. With the increasing costs, the number of insurance policies is also rising. But is it worth it? There are some benefits to buying a policy for your best friend.

While buying insurance for anything involves some risk, what is certain is that any health problems that Rusty may suffer from beyond the ordinary preventative measures will be expensive. Just diagnosing an illness, with for example an MRI scan, can cost up to $5,000. Getting stuck with a bill like this, not to mention the cost of treatment for his ailment can be devastating. Many dog and cat owners have faced the horrible decision of whether or not they can afford to treat their pet. With insurance, you would not have to face that overwhelming choice.

Probably the biggest benefit to owning a pet insurance policy, besides possible saving money, is having peace of mind. If you have ever thought about whether or not you could afford to care for Rusty if he developed cancer or were hit by a car, you may be a candidate for insurance. It could ease your mind knowing you don't have to choose between Rusty's life and well-being and having money in the bank.

What are the Cons of Buying Pet Insurance?

The biggest con when it comes to purchasing insurance for Rusty is that it may end up costing you more than it saves you. Perhaps more than with other insurance types, pet insurance is risky. There is a good chance that you will never need it or that you will need it once or twice for minor occurrences. Premiums for pet insurance can cost between $2,000 and $5,000 over the average pet's lifespan and deductibles can be up to $100 per occurrence. If you are going to buy a policy, you need to be comfortable with the fact that that chunk of money may end up being a loss. For mixed-breed dogs especially, pet insurance often represents a loss to the owner because they tend to be far healthier than pure breeds.

Are There any More Cost-Effective Alternatives?

Check with your employer. Although still unusual, more companies are offering pet insurance as part of a benefit package. You might also consider creating a savings account just for Rusty. It would essentially be emergency savings that you have earmarked for any health problems that may arise. If you are caught in a bad situation, some banks may offer short term financing for pet emergencies.

Puppy City has been around for over 50 years, we pride ourselves in being the home for quality puppies for sale in Brooklyn, New York. We also have all of the supplies you will ever need, from dog food, to wee wee pads, to all the treats you will ever need in a lifetime. Visit us at http://www.PuppyCityNY.com

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Designer Pet Carriers - Luxury Is in the Eyes of the Beholder

As I scan the various web sites that advertise dog carriers for purchase, I keep asking myself this question over and over, "What really is the difference between a designer and a practical pet carrier." It all comes down to one basic question, "How do I define luxury?" or "What would be luxury to my dog?"

The term designer pet carrier is used very loosely in the retail world. One web site will call their $50 pet carrier luxurious and another may consider $500 to be the bottom of the barrel in luxury. We as consumers are programmed through commercialization to think of luxury as top of the line or designer labels. We are accustomed to pay the extra money for a named brand item - as we do when buying clothing, groceries or prescription medicines. But when it comes to pet products, "Does anyone really know who is a named brand or designer pet product manufacturer."

Most people try to find the best price on the internet (for everything) and this includes dog carriers and soft dog beds. The supplier's name is often given in the description of the product; however, the manufacturer may remain a mystery. Therefore, it comes down to the appearance of the pet carrier or soft dog bed as to whether you consider it to be a designer or practical brand. I find that anything that does not look like the common product is termed to be "designer" in the product description, which justifies your need to pay extra money. Keep in mind that price does not define luxury when it comes to pet carriers. There is absolutely no reason to try and keep up with the "Jones" when choosing such an important item for your dog.

The most important things to remember when choosing your pet carrier are size, comfort and safety. Only you know what your dog likes and does not like. Make sure that your pet will fit comfortably within the product you choose. Ultimately, the cost for your pet carrier is determined by size and safety features and not by whether it is identified as a practical or a designer pet carrier. Remember that "Luxury is in the Eyes of the Beholder" and that a happy, safe and comfortable companion makes all the difference.

Barry Kubala is the co-founder of Kubears Spectrum, LLC a small business established in 2008 with an online store at http://www.puddlespetcarrier.com specializing in discounted pet products. Come visit our site... you'll be glad you did.

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