Showing posts with label A Comparison of Five Pet Health Insurance Plans. Show all posts
Showing posts with label A Comparison of Five Pet Health Insurance Plans. Show all posts

Friday, August 5, 2011

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

Your Guide to Understanding 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.

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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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AKC Pet Health Insurance

 Your Guide to Understanding Pet Health Insurance
You either love them or you hate them, the members, breeders, and owners who are affiliated with the American Kennel Club.  Puppies who are registered with the American Kennel Club are the aristocracy of the dog world, granted entry into the finest clubs and most exclusive clubs. The breeds not recognized by the American Kennel Club or dogs that are of a mixed ancestry often feel like outsiders or commoners.
   
For all the hoopla surrounding the American Kennel Club only members actually seem to know what it really is.
   
The American Kennel Club is the largest registry of purebred dogs in the entire world. In 2006 there were over nine hundred thousand dogs registered with the American Kennel Club. In addition to registering dogs the American Kennel Club also host several large shows including the Westminster Kennel Club Dog Show (it is actually older then the kennel club) and the AKC/ Eukanuba National Championships.
The American Kennel Club has been registering puppies for over one hundred and twenty-two years. In 2006 the AKC signed a contract with the pet stores Pet land but later rescinded the offer after a flurry of controversy.
In addition to hosting dog show and overseeing the registration of hundreds of thousands of dogs each year the American Kennel Club also takes an active interest in canine health research. Some dog owners are familiar with their current advertising campaign promoting their commitment to healthy dogs. 

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Because the American Kennel Club realizes that the high cost of veterinary care can be difficult for many dog owners to afford they now offer AKC pet health insurance.
   
The American Kennel Club Healthcare Plan is designed to help offset the high cost of Veterinary treatments, surgery, and prescriptions. 
   
On the American Kennel Club website they have a list of claims that have recently been paid to dog owners who have purchased an AKC pet health care plan. These claims included a $2,600.00 doller claim for poison toadstools, for a recent case of bee stings they paid a claim of $2,200, and the owners of a dog that was bitten by a snake received a check for 1,262, $2,000 for an intestinal resection, and $2,800 paid out for a ruptured ligament.  The biggest claim currently listed on the website is for a ruptured vertebral disc that would have cost the owners an additional $3,329 out of their pockets
The American Kennel Club estimates that the average daily cost of a healthcare plan for your dog is approximately sixty-eight cents a day (this is based on the Essential plan's annual price). You can pick from four different types of healthcare insurance plans, you have a variety of wellness options you can choose from that will help cover dental cleaning, shots, and checkup. Applying for the insurance is supposed to be easy and you can choose to pay monthly or yearly. You get to continue to use you very own veterinarian. The American Kennel Club also offers coverage for cats.
    One of the really nice features about the AKC pet healthcare coverage is the sixty-day complimentary trail period.

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A Comparison of Five Pet Health Insurance Plans

Your Guide to Understanding Pet Health Insurance
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 dollar 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, Shelter Care, Pets Health and Pet Care.

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    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.
    Shelter Care 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. Shelter Care will not pay for pet sterilization nor will they cover any pre-existing conditions. Shelter Care does not have a benefit cap. Shelter Care offers premium discounts for multi-pet plans, medical service, and micro-chips.
    A pet health insurance policy through Pets Health insurance company will cost the pet owner approximately $37.17 dollars per month. Pets Health covers 80% of the pets vet bill after the $100.00 dollar deductible is paid. Pets Health has a $13,000 dollar cap on each per year. Pet Health does insure pre-existing conditions after ninety days. Multi-pet discounts are available through Pet Health. Pets Health does offer pet health insurance plans that cover cancer on a case by case basis. 
    Pet Care 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 dollar deductible. While Pet Care 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. Pet Care 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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