Reasons to Purchase Pet Health Insurance for Your Cat

Reasons to Purchase Pet Health Insurance for Your Cat

Cats are funny creatures. One minute they want to be petted and stroked, the next they are taking a swipe at your hand and acting like you are public enemy number one. Some people love the conundrum of pet cats and other people hate them.

Love them or hate them they are a still a common pet and have a whole host of potential health issues that will require veterinary care and might have their owners considering the pros and cons of pet health insurance. When cat owners first bring their brand new kitten to the vet they should have the kitten vaccinated for distemper.

Cat owners who have a cat that is entering into the golden years of its life should know that kidney failure is the most common problem senior cats have to deal with. Hairballs are often the very first thing cat owners think about when they stop to consider possible threats to their cat’s health. Hairballs are clumps of hair that can be found in the cat’s digestive system. Cat owners can purchase food additives that will help eliminate hairball. In extreme cases the cat will have to undergo surgery to have a hairball removed.

Just like their owners cats can develop urinary tract infections. Cats who have a urinary tract infection generally cry when they are using their litter box. If a cat is suddenly “missing” the litter box and having accidents around the house it could be a sign of a urinary tract infection. Treating the urinary tract infection generally depends on the type of infection. After doing tests to determine the origin of the infection vets will normally put the cat on a round of antibiotics. If the infection has spread to the kidneys or caused a blockage immediate veterinary action is needed.

Cats kept indoors do not usually develop upper respiratory problems. Cats that have a respiratory illness often cough, sneeze, have runny noses, discharge from the eyes, and are listless. Some cats will run a fever. Just like humans cats that have an upper respiratory illness are contagious and should be kept separate from other cats.  Cats with upper respiratory problems should be encouraged to drink lots of fluids. If your cat develops a fever take him to the veterinarian for a round of antibiotics. High fevers, if left untreated, can lead to brain damage and death.

Some cats are prone to getting abscesses. Abscesses are wounds, sometimes small, that heal over, trapping infection under the skin. As the pus gathers a bump will appear on the cat’s skin. Cats with abscesses could be taken to the veterinarian’s office to have the abscess lanced (cut open), drained, and an antibiotic cream applied. Depending on the abscess veterinarians might attach a tube to the animal to let the pus drain. When the abscess has been drained, cleaned, and dressed the veterinarian will probably prescribe a round of antibiotics. Some cats that have abscesses will run a fever.

Lots of pet cats develop diabetes. Many pet health insurance plans will help offset the cost of vet bills. 

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All about the Reasons to Consider Adoption

All about the Reasons to Consider Adoption 

There happens to be so many reasons why you might want to have a child in your life and you may decide that adoption is right for you. You will want to make sure that you are ready to have children. If you haven been trying to have a child for a long time, you find that there have been circumstances that won’t allow you to have children, you will want to think long and hard about adoption. You will want to decide if having a child is right for you, but you will also be taking the first steps into adoption.

An adoption is a good idea for many reasons. There are many times that young girls are having a child, but don’t have the means to care for the child. This happens more often than you may think. There are mothers and fathers who are simply just too young to take care of a child. Sometimes, the parents never intended to have a child and simply cannot imagine having one in their lives. There are times that a young couple will go through periods of hardships and will decide that the child is simply better off with other people. Sometimes, both parents of the baby die and there is no one who can raise the child.

Whatever the reason may be, there are hundreds of children in each area of each state who are in need of adoption. Children, who are in foster homes or in the care of the state, often don’t have the affection of a family. There are also children who live in orphanages all over the world who are waiting to be adopted. Orphanages happen to have children who are undereducated and barely loved or held. You can truly make a difference in the world by saving a child from this fate.

When you decide to adopt a child, you will find that you are taking a child that has nothing and giving them the world. You are going to give them a family and a future. You will find that you are going to have a child in your life to have new hope and a family to the child. Under all the circumstances, you will find that you are going to give the child a brand new life and they will help you to have a fulfilling life. You will find that raising a child is a rewarding experience for many people. Adoption can be a wonderful gift to both the new parents and the adopted child.

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Canada’s Pet Health Concerns that Benefit from Canadian Pet Health Insurance

Canada’s Pet Health Concerns that Benefit from Canadian Pet Health Insurance 

There are two health care issues that might make Canada’s pet owners consider purchasing Canadian Pet Health Insurance for their family pets. Cancer and Tularemia.

Cancer is a type of malignant tumor or growths that invade the surrounding tissues and use the bloodstream to move spread to other parts of the body.  Some cancers reappear even after removal of the offending tumor. Cancer can cause that unless the tumor is removed and any remaining cancer cells properly treated. Because of improvements in veterinary care at nutritional needs family pets are living longer.  As a direct result of the longer life span of family pets wore more cases of cancer are being seen.

Signs that the family pet might have cancer are abnormal swellings that continue to grow, sores are a few heel, bleeding or other discharge from body openings, the pet is having a difficult time eating and swallowing, persistent lameness, difficulty breathing, painful urination, chronic coughing, weight loss, fevers, lack of appetite, and stamina.  If you notice your pet experience the any individual or combination of the symptoms you should consult your local veterinarian.

In the not so distant past cancer and pets was a virtual kiss of death.  In today's medically advanced world of veterinary medicine your pet’s outcome is more positive.  Early detection followed by timely intervention is the most positive here for your pet's cancer.

In some cases simple removal on the tumor is all that is required to other may any cancer cells.  Some types of cancer require or surgery.  The surgery has an excellent success rate with cancers that were detected early on. If your pet has a tumor that is inoperable your veterinarian might suggest radiation, chemical, or biological therapy.

Radiation therapy exposes the malignant cells to high level of radiation with the hope that the radiation will kill the cancer cells.  Chemical therapy is medication design to kill the cancer cells.  In particularly aggressive forms of cancer chemical and radiation therapy is used jointly. Other forms of therapies used to treat and comfort your pet when they are diagnosed with cancer are grooming, nutritional support, Soft bedding, pain management, ulcer prevention, and physical therapy. If your pet is diagnosed with cancer discuss treat to the veterinarian and call your pet health care insurance representative to find out what can be done to extend life of your pet.

On October 2, 2004 Health Canada issued an advisory about a potential health concern to dwarf and regular hamsters called Tularemia.

Tularemia is caused by a bacterial disease that is most commonly seen in wild rodents and rabbits. Although it only happens rarely Tularemia is transferable to humans causing flu like symptoms. Tularemia typically found in all muskrats, squirrels, beavers, rabbit, skunks, dear, bison, foxes, opossums, and woodchucks. Although Tularemia is seldom seen in dogs and cats can be contaminated through water, eating infected rabbits, and being bitten by contaminated ticks. The typical symptoms of Tularemia are fever, a loss of appetite, weakness, and diarrhea.  If the condition is left untreated infected animals frequently died.

The typical treatment plan for pets infected with Tularemia is to first eliminate any infected ticks from your pet’s fur.  After that the drugs Strptomycin and Gentamycin are administered for one to two weeks. Tetracycline and Chloramphencicol have also been used to treat pets diagnosed with Tularemia.  

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Animal Health Insurance for your pet Ferret

Animal Health Insurance for your pet Ferret

Ferrets are long, silky, fun filled, and cuddly. They can provide endless hours of fun. They can also give you a migraine as you try to pay for the vet bills you didn't think about when you spontaneously purchased that impossibly cute ferret with the incredibly pointed face at the local pet store.

The average lifespan is 7-10 years old with each year equaling ten human years. The tempaeture of a healthy ferret is between 100 and 104 degrees, with most of them hovering at a comfortable 101.9 degrees. The heart rate of the average ferret is about 225 beats per minute but it can range from 180-250 beats per minute. Ferrets have an average respiration rate of 33-36 breaths per minute. It is important to get to know your pet’s personality, the better you know your ferrets personality the quicker you will be able to recognize any health issues your ferret might have.

The first thing you might learn about your pet ferret is that not only will it love to have your undivided attention it can also catch that twenty-four hour flue you had a few days ago. The ability to catch diseases from their human owners is one of those unique traits that separates ferrets from cats and dogs (cats and dogs can not catch the flu from humans). Hopefully now that you are armed with that knowledge you will be savvy enough to bring your pet ferret to the veterinarian (preferably one with knowledge and experience about ferrets) before it starts showing flu like symptoms. Ferrets are very sturdy animals when they are healthy but once they get sick they can go down hill fast. It is important your veterinarian sees your pet and prescribe a treatment as soon as possible. 

Young ferrets are often fed hard food before they are really ready for it. The hard food can cause your new pet to develop a prolapsed rectum (the rectum is on the outside of the body instead of inside). Oddly enough this is not normally something your local veterinarian needs to see. Normally the rectum returns to its normal position after a few days. Smear a small amount of Preparation-H on the exposed rectum to help keep it moist and keep a close eye on it. Remember that pink is good. As long as the flesh of the prolapsed rectum is a nice healthy looking rosy pink it’s healthy. If the healthy pink color starts to fade take your pet ferret to the vet for a consultation.

 

Ferrets suffer from a variety of diseases and tumors such as insulinorma, tumors, heart disease, intestinal conditions, and complications involving the liver and intestines and spleen. Many pet ferrets are plagued with multiple issues at the same time. Most diseases commonly found in ferrets will need some type of veterinary care which will often include surgery.

If you are concerned about being flooded with an endless amount of expensive veterinarian bills that you don't know if you will be able to pay you may want to consider purchasing animal health insurance for your pet ferret.

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A Comparison of Five Pet Health Insurance Plans

A Comparison of Five Pet Health Insurance Plans

It doesn’t matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. 

In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.

At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.

An insurance plan through Pets Best Pet Insurance will cost approximately $32.00 a month ($384.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of $99,750 dollars per pet. Pets Best health insurance plans come with a $75.00 deductible. Multiple pet discounts are available. Pet’s Best pet health insurance does cover cancer.

Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.

ShelterCare is a pet insurance that cost pet's owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.

A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.  

PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.

None of the estimated monthly prices for these insurance companies include any extra insurances riders. 

Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.

Remember to read the fine print before you sign up for a pet health insurance plan.

All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.

There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.

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Which Health Plans Offer Pet Health Insurance

Which Health Plans Offer Pet Health Insurance

When pet owners purchase a pet they shop around at the various pet shops, breeders, pet rescues, and animal shelters until they find the dog, cat, or exotic pet that suits them, what very few pet owners do is consider the cost of veterinarian cost for their new pet. The oversight can prove financially devastating and emotionally heartbreaking.

The cost of veterinary cost is on the rise. Technology, liability insurance, medications, and medical research have forced veterinary clinics to raise their cost. Veterinary clinics in rural areas of the country (especially ones that combine their small animal practice with a large animal practice) find it difficult to attract young vets who are graduating from vet school to their clinics; they are forced to offer higher salaries in order to compete with clinics located closer to major cities.  The increase in the payroll is then transferred to pet owners.

It was recently estimated that the average dog owner will spend about two hundred dollars a year at the vet’s office. Cats were a little cheaper; their owners only spent about a hundred and sixty dollars in veterinary bills.  When you consider what the average life expectancy is for a pet, especially on kept inside, that’s a lot of money. And what if the pet isn’t your run of the mill dog or cat? What if the pet is something more exotic like a pot bellied pig, a ferret, a rabbit, a snake, or even a skunk? The more exotic the pet the more the pet owner is likely to spend on the veterinarian bills, especially if they have a pet such as a skunk which will probably require a vet with special skills. What happens to the pet if it suddenly gets sick or is injured in a freak accident? How much will it set the pet owner back if they have to take their family pet to a university’s veterinary school, will they be able to afford it or will they be forced to euthanize their pet for economic reasons?

Many pet owners try to keep the unexpected veterinary bills at bay by providing excellent care for their pets. They make sure that the pet is kept well groomed to prevent insects and skin disorders. They only feed their pets foods that are very carefully balanced with a proper blend of nutrients. They make sure the pet maintains a healthy weight, not to thin and not to fat. Some pet owners won’t let their pets out of the house, fearing a freak accident. While pet owners should take the best possible care of their pets and do everything in their power to keep their family pet safe, even the most careful, health conscious pet owner can not prevent everything.

Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. The chances of a pet owner being able to purchase a pet health care at the same health insurance company where they purchase their human health insurance is slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.

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The Status of International Adoptions from Russia

The Status of International Adoptions from Russia

For Americans looking to adopt internationally, Russia has long been had a stable adoption program. Russia has typically been the third most popular sending country for international adoptions in the United States. Russian children who are given up for adoption typically are so because the poverty level in the country is such that raising a child would be difficult or impossible for the lower class parents. The result is that a large number of Russian children are made available for foreign adoption.

Recently, however, attempts at reform within the Russian adoption system have led to major delays in the adoption process. A recently passed Russian law requires adoption agencies to be re-accredited. The process of applying for and being granting accreditation and licensing has proven to be a slow one, resulting in the delays that are currently being seen.

Applications for accreditation must be reviewed by five Russian government ministries: Ministry of Education, Ministry of Health, Ministry of Justice and Ministry of Foreign Affairs. One of these ministries sometimes requires clarification or additional information on certain applications, which leads to further delay. The website for the United States Embassy in Moscow cites one example in which the Ministry of Justice recently returned several applications to the agencies, asking for further information1. The Ministry of Education can only sign off on the accreditation after receiving approval from each of the four other ministries. At the time of this writing (May 30, 2007) the Ministry of Education had not announced a date by which the review will be complete, and no adoption agencies had yet been accredited by the ministry.

These postponements in the adoption process have had some other consequences, as well. For example, prospective adoptive parents are having trouble traveling to Russia for their adoption visits. Russian adoptions require two such visits, the first being about a week and the second lasting two to three weeks. The Russian government issues visas to adopting parents for these visits, with specific parameters indicating the dates of the visit. However, because all adoptions are falling behind schedule, Americans are attempting to travel to Russia outside the dates specified on their visas. This can be especially problematic if they are able to travel to Russia, but wind up staying beyond the departure date of the visa. Significant delays in departing Russia can occur.

For the moment, adoptions in Russia are still mired in the bureaucratic accreditation process. The Russian government and the Ministry of Education are unable to say when the review might be over and adoptions will be back up to speed. For those wishing to adopt a Russian child, it is still possible to do so, but one should be prepared to weather a significant waiting period. If enduring the process is not feasible, there are plenty of other countries with available children to consider. Some other viable options include China, South Korea, Guatemala, and many countries in Africa. News and updates on the Russian adoption process are available from the U.S. Embassy in Moscow website:

http://moscow.usembassy.gov/consular/consular.php?record_id=adoptions

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