2011年12月25日 星期日

Pet Insurance


Home, auto, health, life and now PET insurance! Although it has been around for some time, pet insurance is now becoming more common in the US marketplace. This years poisoned food scare has really shown how vulnerable our pets are to illness and disease. With all the advances in veterinary medicine and resulting expense the health care of a loved pet can be as expensive as a child these days. With a comprehensive pet insurance plan in place you can base life changing treatment decisions on your pet's health rather than the costs.

Insurance for pets is available from a wide variety of sources with many available coverage options and plans. Just like your health insurance you can purchase coverage for almost any level of protection you choose. There are plans for basic sickness or injury expenses, deluxe plans to cover nearly every type illness, accident or injury and even routine care and examination plans. The market has become so popular and competitive that some plans even cover dental work, chiropractic care and acupuncture treatments.

The variety of pets covered can be as wide as todays pet market. Dog and cat insurance coverage remain the basis of most companies plans, with many companies now offering Bird and Exotic Pet plans as well. So if you want to insure that parrot, iguana or potbellied pig you should be able to find a plan and insurance company to suit your needs.

Pet insurance has many similarities to our health insurance. There are coverage limits, conditions, exceptions for pre-existing conditions, deductibles, co-pays and lifetime amount limits. One important and beneficial difference is choice of care provider. With pet insurance you can usually use any veterinarian you want or have available. You do not have to choose from 'provider network'. also you do not need to get anything pre-approved; you are free to take the action needed for your pet's health protection then present your claim.

Another and not so beneficial difference is out of pocket expense. Generally pet insurance plans pay you after the claim is made; you may have to pay the veterinarian or caretaker bill prior to receiving reimbursement.

The policies typically have deductibles, co-pays and lifetime limits. The deductible will usually apply to each occurrence which can be an accident, injury or illness. Subsequent treatments for the same condition will not require another deductible. Typical deductibles range from $50 to $250. Most policies also have a co-pay percentage, this is the amount of the final covered expense the insurance company will pay. Co-pays are generally 80% or 90%.

One important thing to watch out for is benefit schedules. You want to avoid companies that have fixed benefit schedules. This means they have set a price for certain procedures/treatments and will only allow that much regardless of the actual charge. This can make a low deductible plan with high co-pay actually cost you much more in the long run than a high deductible with a lower co-pay percentage.

Where to get pet insurance? An easy first step is to ask your current veterinarian, they may have a plan they recommend or work with. But, don't stop there, research the market on the internet. The difference in plans can be dramatic when it comes time to make a claim. Be sure to review the companies' policy, exclusions and benefits as well as their history, reputation and financial standing.

Things to look for in pet insurance policies;


No network of required providers
No fixed benefit schedule
Coverage for:
Diagnostic testing; MRI, Cat-scans, X-rays
Specialists, Hospitalization, Cancer treatments, Prescriptions
After hours/ emergency treatments
Multi-pet discount
Claim processing time
History & reputation of company


Insuring your pet is a great idea and the many plans and options available make it easy and affordable to do. You can take comfort in having a valuable family member covered for injuries, illness, disease and even poisoned food that can happen at any age. After all animals are living creatures and susceptible to having health problems and accidents just as we do.




G Scott Lawrence is a 30 year licensed insurance adjuster and partner in Storm Survivor, LLC.

We offer web sites and products as a consumer resource for information and news about property insurance claims and insurance related topics. Informational original articles, excerpts from industry publications, links to insurance resources, consumer questions and answers.

http://AskTheAdjuster.com - Information on all types of insurance

[http://InsuranceClaimMoney.com] - Source for the Claims Money Kit!

[http://DisasterForum.net] - Insurance topics forum





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張貼者： Dr. kenny 於 凌晨2:10 0 意見
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2011年12月24日 星期六

Pet Insurance


Home, auto, health, life and now PET insurance! Although it has been around for some time, pet insurance is now becoming more common in the US marketplace. This years poisoned food scare has really shown how vulnerable our pets are to illness and disease. With all the advances in veterinary medicine and resulting expense the health care of a loved pet can be as expensive as a child these days. With a comprehensive pet insurance plan in place you can base life changing treatment decisions on your pet's health rather than the costs.

Insurance for pets is available from a wide variety of sources with many available coverage options and plans. Just like your health insurance you can purchase coverage for almost any level of protection you choose. There are plans for basic sickness or injury expenses, deluxe plans to cover nearly every type illness, accident or injury and even routine care and examination plans. The market has become so popular and competitive that some plans even cover dental work, chiropractic care and acupuncture treatments.

The variety of pets covered can be as wide as todays pet market. Dog and cat insurance coverage remain the basis of most companies plans, with many companies now offering Bird and Exotic Pet plans as well. So if you want to insure that parrot, iguana or potbellied pig you should be able to find a plan and insurance company to suit your needs.

Pet insurance has many similarities to our health insurance. There are coverage limits, conditions, exceptions for pre-existing conditions, deductibles, co-pays and lifetime amount limits. One important and beneficial difference is choice of care provider. With pet insurance you can usually use any veterinarian you want or have available. You do not have to choose from 'provider network'. also you do not need to get anything pre-approved; you are free to take the action needed for your pet's health protection then present your claim.

Another and not so beneficial difference is out of pocket expense. Generally pet insurance plans pay you after the claim is made; you may have to pay the veterinarian or caretaker bill prior to receiving reimbursement.

The policies typically have deductibles, co-pays and lifetime limits. The deductible will usually apply to each occurrence which can be an accident, injury or illness. Subsequent treatments for the same condition will not require another deductible. Typical deductibles range from $50 to $250. Most policies also have a co-pay percentage, this is the amount of the final covered expense the insurance company will pay. Co-pays are generally 80% or 90%.

One important thing to watch out for is benefit schedules. You want to avoid companies that have fixed benefit schedules. This means they have set a price for certain procedures/treatments and will only allow that much regardless of the actual charge. This can make a low deductible plan with high co-pay actually cost you much more in the long run than a high deductible with a lower co-pay percentage.

Where to get pet insurance? An easy first step is to ask your current veterinarian, they may have a plan they recommend or work with. But, don't stop there, research the market on the internet. The difference in plans can be dramatic when it comes time to make a claim. Be sure to review the companies' policy, exclusions and benefits as well as their history, reputation and financial standing.

Things to look for in pet insurance policies;


No network of required providers
No fixed benefit schedule
Coverage for:
Diagnostic testing; MRI, Cat-scans, X-rays
Specialists, Hospitalization, Cancer treatments, Prescriptions
After hours/ emergency treatments
Multi-pet discount
Claim processing time
History & reputation of company


Insuring your pet is a great idea and the many plans and options available make it easy and affordable to do. You can take comfort in having a valuable family member covered for injuries, illness, disease and even poisoned food that can happen at any age. After all animals are living creatures and susceptible to having health problems and accidents just as we do.




G Scott Lawrence is a 30 year licensed insurance adjuster and partner in Storm Survivor, LLC.

We offer web sites and products as a consumer resource for information and news about property insurance claims and insurance related topics. Informational original articles, excerpts from industry publications, links to insurance resources, consumer questions and answers.

http://AskTheAdjuster.com - Information on all types of insurance

[http://InsuranceClaimMoney.com] - Source for the Claims Money Kit!

[http://DisasterForum.net] - Insurance topics forum





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張貼者： Dr. kenny 於 下午5:34 0 意見
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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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張貼者： Dr. kenny 於 上午8:23 0 意見
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New Pet Porte Smart Flap


Cats are great creatures to have as pets. They are so loving and adorable. Everyone who owns cats loves having them around the home.

However whilst it is nice to have your own cats in your home the worst thing is when neighbours cats get inside!

Neighbours cats can spray foul smelling urine on walls and do all kinds of damage to furniture and curtains. The presence of other cats also stresses out your own cats and can be so bad that your cats could literally pull out their own hair!

You would have thought that a locking cat door would keep other animals out but nothing could be further from the truth.

Standard cat flaps allow any cat in or out so they act as an open door to all and sundry. Whilst magnetic flaps will keep some cats out they will allow any other kitty wearing a magnetic collar attachment to get inside.

Infra-red cat flaps are one step up because the collar keys are coded however the doors are often flimsy and determined cats will bash their way inside. Plus of course there is the risk of your cat getting caught on a tree or bush whilst outside playing.

A vet in Guernsey had the brilliant idea of a cat flap that would read the pets microchip implant. The thought came to him one day whilst routinely scanning the microchip of a cat whilst the owner talked about the troubles she has experienced with neighbours pets coming in.

He patented the Pet Porte Smart Flap - the first cat flap in the world to read the cats pre-existing microchip implant.

Since then other companies have tried to copy the design but never have been able to offer a product with as many benefits as the Pet Porte Smart Flap.

This brand new version of the microchip cat flap has several new and improved features including a hybrid power system that runs on both batteries and mains power for complete peace of mind, a draught excluder to prevent warm air escaping from your home, and an automatic night mode that will lock the flap at night and unlock it again in the morning.

Your furry friends will always be able to get back inside but others are locked firmly out.

For more details please visit http://www.microchipcatflaps.co.uk/ or telephone James on +44 115 9400 899.




James Winsoar is the Director of Microchip Cat Flaps Ltd. He started the company when he and his partner adopted two kittens from Cats Protection. For more details visit http://www.microchipcatflaps.co.uk/ or telephone 0800 092 4880 for recorded information 24 hours a day.





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張貼者： Dr. kenny 於 凌晨12:17 0 意見
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2011年12月23日 星期五

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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張貼者： Dr. kenny 於 下午2:45 0 意見
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Pet Insurance VS Wellness Center for Your Dog or Cat - Which Is Better?


Often kids don't listen. My son just spent $3000 for an MRI and ongoing care of his best buddy, his golden retriever! He joined a well know wellness center that did not pay for a cent of the procedures. And yes, I loaned him $1500 to pay for part of the cost with a caveat I will leave up to you to guess!

The cost of veterinarian consultation and care for pets can be quite high. Pet owners are often left asking themselves, should I buy pet health insurance or not? Although it may seem like a far-fetched or luxurious undertaking to some, pet insurance is an important part of raising your pet. Premium payments may seem frivolous at the beginning but they become useful with time. The insurance cover offers peace of mind even in the face of escalating vet charges.

Vet bills have spiraled upwards currently due to the use of advanced procedures for treating pet diseases. Equipment such as CAT scans and MRI's are increasingly being used for diagnosing pet diseases. Surgical procedures and medications have also been introduced to deal with frequent pet ailments and allergies. These methods of treatment can be quite costly for an average family to cope with. This is where pet insurance can be of great help.

One avenue that many people are looking into are Wellness Centers. They offer services that deal mainly with the ongoing care of your dog or cat but don't offer reimbursement for injury or illness that a good insurance policy will!

Another factor that necessitates pet insurance cover is accidents. Pets are always prone to accidents especially when they are left to explore the outdoors. Accidental injury to your pet can cost you substantial amounts of money that you had not planned for. The animal may require surgery, medication and after-care treatment due to the incidence. Pet insurance becomes handy during such moments.

When shopping for pet insurance, there are important factors to put in mind so as to get the best possible deal. Follow these pet insurance buying secrets in order to get an affordable deal you can work with:

1. Ask the right questions from the Insurance Company. Only a smart shopper can get exactly what they want at a reasonable fee.

2. Thoroughly review the policy documents while making comparisons between different Insurance companies. Hidden clauses and details can cost you significantly due to ignorance.

3. You can go through pet insurance reviews online and check out the scores of different insurance companies. Feedback from other customers can help in choosing the best and most affordable insurer for your pet.

4. Search for companies that have benefit schedules for their insurance plans. These schedules are essentially lists of diseases and the maximum value the insurer can pay for treatment. The schedule offers customers transparency into how payments are calculated.

The importance of pet health insurance for cats or dogs should not be taken lightly. Animals may require emergency treatment for illnesses or accidents abruptly. This may happen amidst skyrocketing vet and pharmaceutical charges. Nonetheless, with an appropriate pet insurance cover, you can rest easily with knowledge that your pet is sufficiently protected. The points outlined above can help you in picking an appropriate insurance cover for your pet.

Pleas follow the link below that has a wealth of content on why pet insurance and the difference between it and a wellness center!




Find out more about health insurance for dogs and cats. Don't become a victim of astronomically high vet costs!

Click Here For >> Low cost pet Insurance!





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張貼者： Dr. kenny 於 清晨5:42 0 意見
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2011年12月22日 星期四

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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張貼者： Dr. kenny 於 晚上8:58 0 意見
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Pet Insurance - is It a Waste of Money?


According to a report published by research group Mintel, one in three pets needs an unforeseen visit to the vet each year. This implies you're more likely to make a claim on your pet insurance than on your car insurance or even your home & contents policy.

The word "unforeseen" is key here. If you're looking for pet insurance to provide cover for routine treatments such as teeth cleaning, vaccinations or nail trimming, forget it - policies which provide that are as rare as hens' teeth! Neither will you find cover for elective treatments, such as neutering and identity chipping. This means that the most common grounds for visit the vet are uninsurable.

But it's those unexpected visits that tend to be the high-priced ones! Developments in vet nary care mean that new and more complex conditions can be effectively treated. But the cost of emergency care can be horrendous. A cat that failed to cross the road could easily cost £700, even more, to treat. After all, a series of X-rays could cost £400 complete with anaesthetic, and you'll have no change from £1,000 for a MRI scan. If Lassie the Labrador tore a ligament that can now be treated - but the cost? Wait for it - around £1,500! This is serious money!

Having appreciated that most reasons for an appointment at the vet are uninsurable, what do we get for our premiums?

Pet insurance policies basically fall into three categories. The first limits the value of the claim for each condition or event; the second places a maximum value on the total annual payout and the third and cheapest option, limits the payout per condition and ends cover after 12 months of treatment. And with all policies you will have to pay an excess on any claim, usually between £50 and £100. The majority of these plans payout a fixed sum if you pet dies.

And the cost? Well, that depends on which type of policy you select, the excess you want to pay, the kind of pet you have, its breed, its age and even your post-code (apparently vets are more expensive in Kensington!). But as a guide, an industry expert estimates costs between £50 to £500 for Lassie and £30 and £200 per year for puss.

The best advice is take out a policy when your pet is young. Most pets can be insured after they're 8 weeks old and then you keep the insurance in place for the rest of its life. If you're looking for a policy for a pet that's in it's middle age, say eight or nine for a dog, then it may be difficult to get worthwhile cover. That's because starting a new policy in your pet's middle age will be expensive and in any case you'll be unable to claim for treatments for any existing health conditions.

So how can you reduce the premiums? Sometime you can get a discount if you pet has been identity chipped and quantity discounts are usually available for second and subsequent pets. Beyond that you simply have to shop around. Thank goodness for the Internet!

The Internet is taking an increasing share of the insurance market and no wonder - it makes shopping simple, quick and easy. What's more it's probably the cheapest starting place for all your insurance whether it be for your car, home, or pet. Let your keyboard take the strain.




Michael writes for Brokers Online who offer most UK financial services including pet insurance

Pet Insurance Topics





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張貼者： Dr. kenny 於 上午11:04 0 意見
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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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張貼者： Dr. kenny 於 凌晨2:58 0 意見
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2011年12月21日 星期三

Online Pet Stars - What Makes a Great Pet Website


It goes without saying that Americans are wild about their pets. We spend an inordinate amount of time, money, and energy making sure our cats, dogs, fish, and exotic animal friends are happy and healthy. The pet industry is booming and it shows no sign of slowing down.

It was only a matter of time before this pet mania spread to the internet.

Today, people can log on to order pet food or custom-made clothes for their four-legged companions. Top notch veterinarians are available to answer specific questions via email and there are websites devoted to issues about animal health and nutrition.

Breeders from across the country are getting in on the game now.

If you are a breeder, a web site offers a one of a kind opportunity to advertise your services and show off your animals. A responsible breeder will take care to promote their business in the most tasteful and informative manner possible. Here are some of the elements you may want to include on your site:


An attractive logo with your business name and an illustration of your animal
Proof of your breeder certification
Testaments from customers and reference information
Striking photos of the animals
Pedigree charts
An online store where viewers can purchase merchandise

But you do not have to be a registered breeder to showcase your beloved animal. Pet owners of all kinds can illustrate their love for their creatures by creating a very special web site. A pet web site may contain:


An introduction to your pet, including a time line of when you first came together
Photos of different sizes and formats, with captions and without
A daily journal highlighting your interactions with your pet
A message board where you and your loved ones can exchange comments and bask together in the love you feel for your pet
Pet memorials or special messages about the family pets of the past

But what if you are not computer savvy or you do not have a scanner? How can you share your pet's photos, antics, and other unique qualities via the internet?

The answer is surprisingly simple: find a reliable web host that will help you to create a truly unique site that you will be proud to pass on to others. A good web host should offer to scan your photos and even offer advice on things like the size of your photo files and how to manipulate pictures so they have the best resolution on screen.

If you have more than one pet, go ahead and create a page that features all of them! Once again, a web host can guide you on the number of photos and the type of text you can include. Certainly, multiple pets can make for a stimulating and memorable site.

Clearly, there is no reason to keep your love for your pet to yourself! But in these modern times, carrying photos of your pets in your wallet is not enough. We urge you to design a web site around your special companion - whether it is for business or pleasure - and let your pets have the spotlight they deserve.




Madison Lockwood is a customer relations associate for ApolloHosting.com. She brings years of experience as a small business consultant to helping prospective clients understand the ways in which a website may benefit them both personally and professionally. Apollo Hosting provides website hosting [http://www.apollohosting.com], ecommerce hosting [http://www.apollohosting.com/e-commerce], vps hosting, and web design services to a wide range of customers. Established in 1999, Apollo prides itself on the highest levels of customer support.





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張貼者： Dr. kenny 於 下午5:13 0 意見
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Pet Insurance Reviews - Get the Opinions of Owners and Experts


Pet insurance reviews are a good way to find the right pet insurance for your animals. Nowadays, we don't go to a film without reading the reviews, we scan newspapers and magazines for book reviews, we even find reviews on websites for everything from recipes to sewing patterns. Reviews are a good way to get a variety of opinions on a given topic before you decide that you are going to invest your hard earned cash. An honest review can steer you in the right direction or warn you of problems with any given product. Forewarned is forearmed and reviews on pet insurance are a great way to be forearmed.

Where do you go to find pet insurance reviews? The first and easiest place is the web. The internet has allowed us to share information at a previously unimagined rate, and product reviews, testimonials and recommendations are some of the primary kinds of information that people choose to share. Some sites offer reviews by other pet owners. These reviews mostly take the form of testimonials. People share their good and bad experiences with their pet insurance companies often times even assigning a 'star rating' to the policy. By reading though a number of these personal experiences you will begin to get an idea how a given company treats its customers and how effective the insurance is for the end user.

Another place to go for pet insurance reviews is to the experts. Again, looking on the web you can find sites that have professional reviews of various insurance policies. These reviews are more specifically product focused and will deal with specifics including exclusions, payout caps and the like. Read over a number of professional reviews to help get an idea of the kinds of things you should be looking for in your own insurance. Another expert you can ask is your vet. The veterinarian will have experience with many different companies. They can give reviews that relate to specific types of health care and can warn you of the companies that promise perfect coverage but bury too many exclusions in the small print.

Pet insurance reviews, whether they come from fellow pet owners, pet care experts or your own vet can be an invaluable tool in the search for a good insurance policy. You wouldn't choose a movie without reading a synopsis and the reviews. Don't choose something as important as your animal's insurance policy without getting reviews first.




Sherry Harris is the author of a wide range of dog topics including, but not limited to: dog insurance, puppy training, dog grooming, pet travel, dog training and much more. Your dog means the world to you, and that is why you need to make sure you have pet insurance. Dog insurance offers you a way to budget your vet's bill. Hope you enjoyed the article topic Pet Insurance Reviews. For hundreds of free dog articles and to find out more information on dog insurance visit http://www.DogStyleNetwork.com today.





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張貼者： Dr. kenny 於 清晨7:17 0 意見
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2011年12月20日 星期二

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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張貼者： Dr. kenny 於 晚上10:32 0 意見
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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, they 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 is the author of "Your Guide To Understanding Pet Health Insurance" available on Amazon ( http://www.amazon.com/Your-Guide-Understanding-Health-Insurance/dp/0982322100/ref=sr_1_1?ie=UTF8&s=books&qid=1272303480&sr=8-1 ).

The book helps pet owners learn how pet insurance works and provides information and tools to help them find the best company and policy to insure their pet. From a veterinarian's perspective (medically), Dr. Kenney shares with pet owners what factors he considers are most important when comparing pet insurance companies.

Dr. Kenney also authors a blog ( http://petinsuranceguideus.com ) where he seeks to educate pet owners about pet insurance and how to save money on their pet's healthcare expenses. There is information on the blog about getting an Ebook format of the book as well as other tools that will make researching pet insurance easier for pet owners.





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張貼者： Dr. kenny 於 中午12:57 0 意見
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Pet GPS - Solution to Missing Pets?


Pet GPS are the latest solution for missing pets. More than 2 million pets are lost or stolen in the US every year. With advancing technologies, different solutions have emerged over time for loss prevention and recovery of pets.

The concept of identifying marks as proof of animal ownership, developed from branding, into tags and finally microchips. Microchips are circuits containing pertinent information on the dog and its owner. These are small and are implanted under the skin of the pet normally in the shoulder region. Microchips themselves cannot locate a pet. The pet has to be found and then scanned for this technology to be useful. All pets should be microchipped as this is a great back up for other devices available.

Tracking devices are also available. These are normally attached to the pet by a collar or harness. They are most widely used for wildlife research or hunting. The tracking system is made up of a transmitter on the pet, and a portable receiver with antenna. The system works by "pinging"; ie the portable receiver emits a louder sound when pointed in the direction of the transmitter. Due to the small size of the transmitter, this solution is adaptable for smaller pets. One manufacturer has a cat collar based on this technology.

Pet GPS are more detailed than tracking devices in that they pinpoint the location of the pet with relative accuracy. They can also reveal the velocity and direction the pet is travelling in. They operate using a combination of GPS and radio or cell phone frequencies. Some pet GPS function by transmitting the location of the pet to a central station. The station will then alert the owner by sms, email, or website as to the location or address of the pet . Others transmit their location directly to a hand held receiver. The device will then show the location of the pet in relation to the receiver.

The main drawback of both transmitters and GPS is that they are detachable. It would be crushing to track down a signal just to find an empty collar or harness.

At this time there is no foolproof method to prevent the loss or theft of pets. However, a combination of the devices above, inclusive of a pet GPS, would be a positive step in reducing the odds of this eventuality.




http://www.pet-tech.blogspot.com





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張貼者： Dr. kenny 於 凌晨3:13 0 意見
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2011年12月19日 星期一

Picking a Pet Portrait Artist - 7 Tips to Keep in Mind


Living in Portland, Oregon in the beautiful Northwest has its advantages. There are many artists of all genres living and working in this inspiring part of the country.

When looking for an artist to render a likeness of your pet, you may want to consider the following tips:

1. Build a rapport with the artist of your choice by meeting them in person or via e-mail. Be sure they have a real love and devotion to animals, as this will come across in their artwork.

2. The artist will most likely ask for a deposit of half the cost of the painting up front, and the remainder due upon completion. Ask that a scan or photo be sent to you for approval and to make any needed changes before the painting is shipped to you, or that you're able to pick it up at the artist's home. This will assure you that the painting is to your liking before you receive it. The cost is usually based on the size of the canvas requested and the complexity. Most artists have many sizes and styles to choose from. They may provide a simple background for a painting, a head shot only, or two or more animals in the same painting, and a more complex background.

3. There are many types of media that an artist may use, including acrylic, oils, pastel (both chalk and oil pastel), watercolor and colored pencil. Paintings done with acrylic and oil may not need framing. Artwork done in pastel, watercolor and colored pencil usually do need to be framed under glass, so be sure to consider this additional cost when commissioning a painting. Some artists recommend which frames will look best, while others leave the framing to the client.

4. A photograph will need to be provided for the artist to work from. He or she may request additional photographs to be sure to capture a likeness of your pet. If you live in the same area as the artist, they may offer to photograph the animal for you. Photos can be provided to the artist either by regular U.S. Postal service, or via e-mail. The artist can give you tips on the best way to photograph your animal for his or her painting.

5. Be sure to discuss the time frame involved for your receipt of the painting. Some artists have a backlog. If you have a deadline for your painting because of an anniversary, birthday or holiday, be sure to let the artist know. Sometimes they may be able to accommodate your deadline. Remember that they can always give you a gift certificate if the painting will need to be completed a few days after the time you would like to receive it. Once you have decided on which artist you are going to work with, it's been my experience that the short wait to complete your portrait is definitely worth it!

6. After your painting is completed, ask if the artist also provides greeting cards of the portrait image, or other services that you may want.

7. The copyright for the finished work belongs to the artist, but you can discuss with them any special needs you may have. You may want to use the painting for your business cards or company logo.




c Connie Bowen

Note: this article may be re-published freely as long as the following resource box is included at the end of the article and as long as you link to the URL mentioned in the resource box:

Pet Portrait Artist, and Professional Illustrator Connie Bowen creates stunning pet portrait paintings on canvas from photos. Specializing in capturing the spiritual nature of dogs, cats, horses and other animals in a realistic fashion with impressionistic backgrounds as seen on Oregon Public Broadcasting?s TV show, Art Beat. Over 250 pet portraits completed and counting! Visit http://www.conniebowen.com to view exquisite samples.





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張貼者： Dr. kenny 於 下午6:23 0 意見
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Microchipping Your Pet


There are several reasons to get your pet microchipped. The main reason is that without doing so, there is little chance of your pet being reunited with you if it is lost or stolen. While collar tags are effective if your pet gets accidentally lost, they are easily removed, can fall off and are no deterrent for a thief. Microchipping is also the compulsory first step when applying for a pet passport, for those owners who wish to take their pet abroad.

Dog Theft

You may have laughed at Ace Ventura Pet Detective, but there are few more traumatic experiences that having a pet stolen. With the police seemingly disinterested, it has been reported that only one in 10 owners whose dog has been stolen is even given a crime number. As a result, in desperation to retrieve their beloved pet they give in to ransom demands. And as long as the thieves get away with it, they will keep on doing it.

A microchip is not a tracking device, it does not allow you to pinpoint where your pet has been taken to. However, if your pet is sold by the thief, the buyer is quite likely to take him or her to a veterinary clinic at some point in the future. Theoretically, when registering a new client a veterinarian will check the animal for a microchip, and run this number against the national database. If the pet was reported stolen, this will automatically be flagged on the system, and the previous owner can be notified. Of course there is the danger that a vet will not bother to check the animals microchip, but there have been many occasions where pets and their rightful owners have been reunited in this way.

Outdoor Cats

Cats given the license to roam around outdoors, especially in urban areas, run the risk of being involved in road traffic accidents. If the cat is not killed on impact, its instinct will be to bolt and then hide somewhere in the vicinity of the incident. Often it is not the owner of the cat who brings the injured creature to the veterinary clinic, and there are numerous cases of cats injured in road traffic accidents having being reunited with their owners via their microchips.

Pet Passports

There are three steps to attaining a pet passport for your pet in accordance to the strictly regulated PETS travel scheme:


Microchipping
Rabies vaccination
Blood test to check rabies vaccine was successful

What is the procedure?

A microchip is about the size of a grain of rice. It is injected under the skin in the scruff, on the back of the neck between the shoulder blades. It is quite a large needle, so can cause a sharp pain when inserted, though many animals do not even notice as there are so few nerves in the skin there. It can be done at any time, sedation is not usually necessary. However most vets prefer not to microchip puppies or kittens until they are at least 12 weeks old, or preferably when they are under anesthetic while being neutered.

Does it migrate around the body?

It should not move far from where it was injected. There have been rare reports of microchips migrating out of position, making them difficult to locate. However this is extremely rare, and scanners are very good at picking up the microchip signal when slowly moved over the back.

How does it work?

The chip contains a long number that is unique for that particular animal. When scanned by a handheld scanner (at a veterinary clinic, police station or animal shelter) the number comes up on the screen. This number can then be entered into a national database, which stores the name of the owner, the owners address, telephone numbers and email address.

Is it expensive?

Most veterinary clinics charge no more than US$ 50 (GBP £25) for inserting a microchip and completing all the necessary paperwork.

What if I move house?

Simply call the microchip company and change your details. Some companies provide you with a password and allow you to update your details online as and when necessary.




Dr Matthew Homfray is one of the veterinary pet experts at [http://www.whydoesmypet.com] Our dedicated community of caring pet experts are waiting to offer you advice, second opinions and support.





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張貼者： Dr. kenny 於 上午10:18 0 意見
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Online Pet Store


I have always been the sort of person that goes to the grocery store to buy my pet supplies. It was just easier to pick up the things my family needs for our cats while we were buying our own groceries - or so I thought. I recently discovered how to shop online, and how to find a pet store online, and it has been a big help to me.

I had always assumed that lugging a huge bag of cat food around the store was simply the price of doing business when you owned multiple cats. I had never really minded it so much, but it did take up a lot of space in the cart, and getting it scanned at the cash register was kind of a hassle.

When I found that shopping on the internet was safe and economical, I started shopping from any online pet store that sold what I was looking for. I found that no matter which online store I shopped at, there are many reputable ones, I simply ordered the kind of food that we get for our cat and it was delivered right to my front door. It really makes things a lot easier for us.

Also, some of our cats are Persians and need regular brushing. When we would go to the grocery store to try to find them a brush, the selection was pretty limited. We could have gone to a regular pet store, but even there, the selection is not as good as what can be found at any online pet store. We got them the best brushes possible for their length of hair and they love to be brushed now, whereas they used to to really squirm and fight.

Another great thing about shopping at an online pet store is the selection of toys it has. My kids have a tendency to spoil our cats with presents, and they love to go to browse through the toys available at every online pet store and pick out the latest toys that have come out. They can see what the toys look like from every angle and read about all of their features.

Another thing that we like to do is provide our cats certain vitamins and nutritional supplements, and all kinds of snack treats as well, which are easily found when you go to any online pet store. All of that is not even taking into account the supplies you can find for other pets.

It is really just a convenient way to take care of all of our cat-related business without ever having to leave the house. We have generally found a larger selection of the various supplies that we need at these various online stores, and it does not take long to be delivered.

In this article I am not promoting any particular online pet store, or any particular product or service, but the concept of shopping for cat accessories and pet products from online pet stores. Since I discovered how easy it to shop on the web, I have had a much easier time providing for the needs of our cats. I do not have to go all over the place to find them now, and every one of these stores pretty much have everything we want.




If your are serious about purchasing quality supplies for your cats, at rock bottom prices, and them have them delivered in the quickest time ever, then visit 'Cat Bed and Toy' the Online Pet Store with the best cat furniture, cat scratching posts, cat accessories and holistic cat food.

Noel Benjamin D'Costa





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張貼者： Dr. kenny 於 凌晨12:53 0 意見
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2011年12月18日 星期日

Pet Insurance Warning: A Visit to Tour Vet Can Severely Damage Your Wealth


The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year, will be honest and loyal. They also aren't much concerned about wealth. This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, they're leaving themselves exposed to enormous veterinary bills.

The average cost of treating a dog following a road accident is £379 and the cost of just a scan could exceed £1,000. And as Veterinary science becomes more advanced with breakthroughs in medicine and surgery, the cost of owning an dog can potentially increase.

There is no National Health Service pets and if your dog is ill, detailed diagnostic tests, surgery, medication and care can mean an unexpected shock to your pocket. Studies have shown that on average, an insured pet owner makes a claim every three years.

But do take care. Pet insurance policies vary widely in terms of their cover, the excess you have to pay, the maximum costs that can be reclaimed each year and various exclusions.

So when you're on the net shopping for pet insurance, it's important to swot up on the small print. Don't automatically fall for the cheapest. Cheap premiums customarily reflect limited cover. For example, not all insurers will cover your pet for life. This means that if your dog's problem requires ongoing treatment, then cover ceases at the twelve-month stage.

Take Sheila Follows' spaniel, Bonny. Seven years ago Sheila wisely took out insurance cover for Bonny as soon as Bonny joined the family as a pup. All was well until the first spring. Then, Bonny developed a skin allergy and later that year a hip problem. Treatment has been ongoing ever since requiring regular visits to the local vet.

Sheila says," Bonny has to have a special diet and regular injections to control her allergies. The bill from my vet is usually between £375 and £450 per month so my decision seven years ago to take out insurance, proved to be one of my best investments. My insurance premium is just £15 per month and I'm not sure what we'd do if we weren't insured!"

Sheila's policy is a Budget policy issued by Pet Plan and covers lifetime conditions for up to £4,000 each year. Pet Plan also have two other pet schemes - their Standard Policy will pay out up to £6,000 per year and their Supreme Plan provides unlimited cover. So you can see that even within the same insurance provider, you can be faced with several policies to choose from.

So there's lots of choice. Some policies even provide protection for kennel fees, or boarding fees if you become ill or even pay your cancellation fee for your holiday if your pet becomes ill before you travel.

Our advice is to look at several pet insurance web sites. Better still, print off their schedule of benefits and terms and conditions. Then spend forty minutes comparing their premiums and look closely at what you'll get for your money. We know it'll be a bore but a little extra effort now will be rewarded with a great deal and your peace of mind.

And if your dog could talk, he'd say thanks too. But perhaps a big lick will do!

Postscript

If you receive either Council Tax benefit or Housing Benefit, the People's Dispensary for Sick Animals (PDSA) will provide veterinary treatment free of charge.

At the moment there are some 5.8 million households that fulfil these eligibility conditions with just over 7 out of ten of homes served by either a PDSA PetAid practice or a PetAid Hospital.

There are 328 PetAid practices and 4 PetAid branches plus 43 PetAid Hospitals.




Brokers Online provide you with a huge amount of information on pet insurance and cheap life insurance.





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張貼者： Dr. kenny 於 下午3:15 0 意見
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Microchips For All Pets


There is a city in Arkansas that has decided that all pets must have a microchip. It is a mandatory requirement so that they can identify their pets. This is one the strictest ordinances that this city has passed. No pets are allowed to be running outside, and all the pets have to be vaccinated for rabies. Another rule is that no vicious dogs are allowed as pets. This city is trying to make it safe for the pets and also for the residents of the city. If a pet was picked up and taken to the animal shelter, they would be able to scan the microchip to find out who the owners are.

Would this rule be a terrible imposition on the residents of this city? Will it cost too much? What does it entail to have a microchip placed in a pet? The microchip is only about the size of a grain of rice., and will be implanted near the pet's shoulders. The cost is about $10 - $15 each. The fine if they did not do it would be from $50-$250. So it would be much cheaper and safer to have the microchip put in. The resident should be happy to comply because their pets will be safe, and if they lose their pets, it would be so easy to find them.

The other day there was show on Law and Order where this man was searching for his dog and followed his GPS system. He found his dog, but when the police went into the house where the dog was, they found a dog fighting area. Unfortunately, they used this man's pet as the victim. The man was too late to save his dog. These things happen in the movies and the shows. But taking precautions with our real life pets is better than finding them hurt or run over by a car.

A man was driving on an Arkansas highway and when he passed a bridge he saw a horrible sight. A dog was tied to the bridge with a rope, and several cars had hit him. The man did not have a large enough knife to cut through the rope and so he called the animal shelter to remove the dog from there. There are evil people who take pleasure in abusing animals. I think that microchipping our pets is a great idea. John Snyder of the Humane Society of the US, says that about 5-7 percent of all pets have microchips.




Evangeline Samuel PhD. is a retired nurse who enjoys her daughter's dog, Kate's company, and loves dressing her up in stylish dog clothes, fancy dog harnesses and have her sleep on designer dog beds.





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張貼者： Dr. kenny 於 清晨5:43 0 意見
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2011年12月17日 星期六

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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張貼者： Dr. kenny 於 晚上9:42 0 意見
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Know More About the Pet Travel - A Must For Travelers


The most important aspect of the pet travel is the Pet Travel Scheme or simply known as the PETS. These are the schemes which were launched several years before. The scheme enables you to take your pet anywhere you want. It is a system that allows pets like dogs, cat and many others to travel to different countries. The countries where the pets can be taken come under the qualified EU countries like UK, Canada and Mexico.

The Pet Travel Scheme was launched by UK DEFRA so that the pets can travel to different parts of the country. So before taking your pet for a travel scheme you have to fulfill certain rules. These rules are described below.

1. Microchip

Microchip is used to identify the pet. Any other means will not work. The microchip is an ISO recognized and if the pet has no identification proof then it has to come along with the scanned photograph attached to its crate.

2. Rabies Vaccination And Certificates

All the pets must have a certificate stating the microchip number and the validity of the certificate that is up to what time is the certificate valid. Some of them have the validity of two years while some have the validity of only one year.

3. FAVN Tests

The FAVN test or particularly known as Fluorescent Antibody Viral Neutralization Blood test is done to check whether the vaccination has provide proper amount of antibodies or not. Then they are also approved by the Government as well.

To get the test done you need to send the sample and then you will get the report from the Kansas State University Lab.

What Else To Know

As only a few countries are allowed to entertain the pets therefore it is necessary to check before going to that place.

Before visiting you also have to get a pet insurance which means that if the pet gets ill then you can pay the bills of medicines easily. The best way is that you go to a veterinarian and then apply for services. You can also avail for discounts. Today there are more than 30 pet insurers through whom you can the insurance done.

So these were some tips for you. But at the same time you have to take care of all the requirements before taking your pet to travel. Your pet must be healthy enough so that it can bear all the stress while traveling.

So if you keep these points in mind your pet will surely have a nice journey.




If you are interested in traveling with your pets and looking for Pet Friendly Hotels then kindly visit us at http://www.officialpethotels.com/





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張貼者： Dr. kenny 於 中午12:09 0 意見
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Pet Insurance - Helping Our Pets Through an Economic Crisis


The health of our pets is often the first thing affected when money is scarce. A recent survey found that 67% of pet owners would not be able to afford emergency care for their pets if they were hit by a car and needed emergency surgery. In 2003, the average veterinary bill has increased to over $400 per visit to the emergency room. The average cost of fixing a fractured femur with 2 days of hospitalization ranges from $3000-$7000 depending on the severity.

Having been an emergency veterinarian for years, I see pets put to sleep every day due to financial constraints. Sadly, I have found that the #1 factor influencing treatment for pets is the cost of the treatment. If I could tell owners one thing that would save their pets lives it would be to get pet insurance.

Having pet insurance ensures that you will be able to make the best medical decision for your pets and not have to worry about how much it will cost. It also allows you the freedom to visit different hospitals for a second opinion from specialists. They also include advanced imaging such as Cat scan and MRI.

Pet Insurance is slightly different than human health insurance, so you should familiarize yourself with these differences. Pet insurance covers older animals as well as young ones. Unlike human health care your pet will not be turned down due to age or preexisting health conditions.

Here are some of the specifics of pet insurance:

o You always pay the veterinary bill up front and you are then reimbursed a percentage by the company

o Most companies allow you to choose any veterinarian which quite different from HMO programs in human healthcare.

o Some companies exclude hereditary diseases associated with certain breeds for example: German Shepherds with hip dysplasia or blindness in Dalmatians.

o The average cost of 1 year of pet insurance is $150-400.

o General health packages- great for puppies and include spay, vaccinations and annual blood work.

o Some companies allow coverage for genetic disposed diseases for an additional fee.

o Many companies have a $5000 cap for diseases such as cancer and heart disease.

Pet Insurance can be confusing but there a couple things you should know before choosing a company. Always make sure that the pet insurance company has a good repetition and accepts your specific breed. Also, certain states have separate regulations such as California so check up on your specific location. Getting a quote should be the first step to getting started with pet insurance.




By : Dr. Micheal Fredrick DVM
Please visit our site to find out more about the most trusted pet insurance companies by reading our pet insurance comparison. Also, to use an easy 5 step method for finding the pet insurance company that best suits your individual pet(s).

Petvetwisdom.com was created by veterinarians to help our pet owners find trusted pet insurance companies.





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張貼者： Dr. kenny 於 凌晨3:33 0 意見
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2011年12月16日 星期五

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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張貼者： Dr. kenny 於 下午6:58 0 意見
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Pet Insurance - Suss Out the Answers to 10 Key Questions


If your joints and bones are flexible and strong, they move freely. And that means life can be fun and appreciated to its' full. But for one in seven people, movement is hindered by a musculoskeletal problem - back pain, arthritis, osteoporosis, fracture, or sports trauma. Faced with such pain you may be delighted to pay £4,000 for orthopaedic surgery to get those painful joints flexible again. But would you be so willing to spend the same money on your pet Basset Hound?

Veterinary care has moved quickly over the last ten years and as pets get older they are increasingly liable to suffer illness that can be expensive and lengthy to treat. Take diabetes for example. Diabetes is relatively common in dogs and whilst it can be successfully treated, the management of the condition is ongoing and expensive - one vet estimated that typically, treatment cost around £2,500 per year. Eczema is yet another of many conditions that require an extended period of treatment.

But as with humans, your pet can need emergency treatment at any time. According to research company Mintel, one in three pets make an unplanned visit to the vet every year. Boxers and Spaniels are susceptible to dodgy hearts, Labradors and Golden Retrievers are prone to progressive retinal atrophy, Setters' can get canine leucocyte adhesion deficiency and Alsations, hip dysplasia. And then there are always scrapes in which our pets are so likely to become involved. Your cat may have nine lives but you may well land yourself with nine vets' bills! With a series of x-rays costing £400 and an MRI scan putting you back £1,500 the case for insurance cover becomes convincing.

Against this backdrop, pet insurance is now the fastest growing form of insurance in the UK. Petwise, Petplan, Pet Protect, PDSA, E&L, Animal Friends, and Marks and Spencer are all names in the market. Indeed, competition for your business is fierce with over 60 insurers offering over 220 different policies. With so much choice, the task of choosing a policy becomes somewhat complicated.

So lets try and keep things simple. Pet insurance falls into three basic groups. The first and usually the cheapest form, limits the claim to per condition per 12 months - suitable for one-off emergencies but not too good for diabetes! The second limits the total paid annually whilst the third limits the amount paid per condition.

Faced with all this choice what features do you need to look out for? Here are 10 key questions to ask:

o Are claims subject to a maximum annual limit or on a "per condition" basis?

o If the insurance is limited "per condition", what is the time limit?

o What is the excess per claim? Sometimes the excess will be a set sum, sometimes a percentage of the cost and more often, a combination of both.

o Is there a limit on vets' fees? If so, what is it?

o Find out if your pet is prone to any hereditary conditions and whether the plan will cover those. For cats you'll find information about hereditary conditions at http://www.petplanet.co.uk/petplanet/breeds/cats-breeds and for dogs you'll get the answers at http://www.the-kennel-club.org.uk

o Is your dog covered for third party liability? Remember, if your dog causes injury or damage you could be liable for damages.

o Does the pet insurance cover the cost of advertising and a finders' reward if you pet is lost or stolen?

o If you pet undergoes urgent surgery shortly before you're due to go on holiday, will your pet insurance meet the holiday cancellation costs?

o If you go in hospital, does the policy cover kennel or cattery fees? Some policies will payout after the owner has been in hospital for a certain number of days.

o Does the plan make a payout when your pet dies? If so, how much?

How can you get answers to all these questions? Surprisingly, vets are not particularly well clued up. They normally have details of one or two plans in their waiting rooms but are rarely up to date with what else is available in the market. Perhaps not surprising with all the developments in veterinary care to keep abreast of!

No, you've already found the best source of information - the Internet! Search for pet, dog or cat insurance and you'll find all the information you'll ever need. It might take you an hour to complete your research, and remember to make notes, but it will be worth it in the end.




Michael writes for Brokers Online who offer most UK financial services including pet insurance

Pet Insurance Topics





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張貼者： Dr. kenny 於 上午9:48 0 意見
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Maintaining a Healthy Pet


No matter where you live, acquiring four-legged, "furry family" members can be costly! Forget about the expense of buying them from a pet store or a breeder - those are one-time, upfront costs. But even if your pet comes to you "free-of-charge," the ongoing, "maintenance" of a healthy pet may be higher than you think.

According to the American Veterinary Medical Association, the average American spends roughly $350 in medical expenses, per dog, each year, while the American Pet Product Manufacturers Association (APPMA) estimates the medical cost for dogs more modestly at $211 per year. Medical expenses for cats are estimated to be close to $180 per year, although most cat owners generally have more than one cat.

Obviously, one unavoidable pet cost is food, and there is a plethora of options from which to choose, ranging from organic and weight-conscious varieties to vegetarian and diabetic fare. Of course, the more "specialized" the food, the more expensive the tab!

Medical care is another given when it comes to owning a pet. Just like their human "parents", our "furry family" requires basic medical care to prevent future health problems. For dogs and cats, a yearly check-up is considered routine maintenance. (Some have compared basic veterinary care to one's annual car inspection. As is the case with the inspection, a vet visit can identify additional issues that need to be addressed; issues that can often be expensive.) Diagnostic testing can easily reach $1,000, but could also be as high as $5,000. (This does not include surgical care or long-term treatments and medications.)

Considering these costs, perhaps it is wise to consider consider veterinary pet insurance, too. Pet insurance can help offset many pet medical expenses, including annual "maintenance" (wellness exam, vaccinations, teeth cleaning, heartworm and fecal tests, etc.) to illness and emergency services (MRI/CAT scans, surgeries, prescription medications and hospitalization.)

Yes, pet ownership can be expensive - but so worth it!




Pets Best Insurance is located in Boise, Idaho and provides pet insurance for the healthcare of dogs and cats. Jack Stephens, DVM is the president and co-founder of Pets Best and was the original founder of pet health insurance in the United States.

Learn more about the history of pet insurance at Petsbest.com.





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張貼者： Dr. kenny 於 凌晨12:44 0 意見
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2011年12月15日 星期四

Should My Pet Have An ID Tag?


If your pet is likely to venture a long way from home then you should consider putting an identity tag on it. The ID tag can be as basic as you like, but the most modern way is to use 'radio frequency identification' or an RFID tag.

If you have a very young cat of dog, there is probably no necessity to tag it yet, but as the animal gets older, ID tags can become essential. If your pet gets lost, anyone finding it can then return it. If you have a cat or a dog, then a simple collar might be enough.

Some collars have a metal tag attached to them so that you can have your address or phone number engraved on it, others have a ring, so that you can attach a small canister with your particulars inside it. Some just write their address on the underside of the collar with a felt tipped pen or a marker pen. This is more risky though because you might not notice if it rubs off.

It is essential to think about water damage if you are ID tagging a dog. Cats try to stay out of water, rain and snow, but most dogs love playing in it. If your dog's tag is not waterproof, it will soon become impossible to read. On the other hand, cats often lose their collars.

If your pet is a horse, then it is simpler to have it branded and the brand registered, so that anyone finding your lost horse can reference the brand and discover your contact details. If your pet is a tortoise, then you can write your phone number around the edge of its shell in a non-toxic fluid like nail varnish, but keep it small or you could poison the animal. Birds can have leg bands fitted. These leg rings have a unique number which can be looked up like a brand.

These are the conventional ways of ID tagging your pets, but the most modern method is to RFID tags them. These RFID tags can be attached in several different ways. The simplest way is to have a plastic passive RFID tag made up and hang it from your pet's collar. This works well, until your pet loses its collar or unless someone removes it in order to take your pet.

Another way of affixing an RFID tag, is to have your details imprinted on a chip and have the chip installed under your pet's skin by a vet. Some people are abhorred by this idea others do not mind. However, it does not hurt, is not unpleasant and cannot be mislaid.

When the police or the pound officials are passed a stray, they scan it for a chip as part of their routine these days. Even people have them inserted so that they can move across international borders more swiftly.

The RFID tag is read by a scanner and can be read from distances of several feet to several hundred yards, which makes finding a lost pet a much simpler task if it has an RFID tag installed.




Owen Jones, the author of this article writes on several subjects, but is presently concerned with the RFID blocking wallet. If you would like to know more, please go to our website at Active RFID Management.





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張貼者： Dr. kenny 於 下午3:19 0 意見
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