Pet insurance, Should you or Shouldn’t you?

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The majority of our clients who have pet insurance are happy that they have it.  Depending on the type of policy as well as which company/pet insurance you choose, pet insurance can be worthwhile.  Like any type of insurance it is in place to make sure that when an emergency or something unforeseen occurs it will help cover the costs.  When an unexpected illness, accidents or emergency occurs you may be faced with hard choices due to financial considerations.  Insurance helps eliminate some of those choices.

“While you can’t predict when accidents or illnesses will happen, a pet health insurance plan will help you deal with unexpected veterinary costs, and you’ll know you’re providing the best possible protection for your pet.”  Not only will you be protecting your pet but potentially protecting yourself from making heart wrenching decisions based on finances

But like health insurance for humans, pet insurance can be complicated.  Depending on the policy that you choose, some policies will not cover older pets or genetic conditions that certain breeds are known to have, such as hip dysplasia in retrievers.  It is very important to check as well as compare various products that different companies offer to find one that will meet your needs.

Some people may be more comfortable putting aside money every month for their pet in a “Pet savings account” to cover the unexpected.  By putting money aside to pay for future work you may be covered for the unexpected veterinary care.  However you must be diligent about putting the money aside.  But what happens if the “future” turns out to be in a couple of months from when you initially started your savings plan?  That would not be so good.  For example, your puppy is playing with a red rubber ball, accidentally chews it up and swallows it.   Not good.  Or… your cat somehow swallows a needle, Yikes.  Sounds unlikely, true, but it happens more than you would think.  All are unexpected accidents.

The Steinway Court Vet recommends a few different companies based on how pleased our clients are regarding ease of reimbursement and of course the amount of that reimbursement.

Nationwide Pet insurance

Embrace Pet Insurance

http://trupanion.com/pet-insurance

http://www.petsbest.com/

http://www.akcpethealthcare.com/

http://www.gopetplan.com/

There are many others.  Please get free price quotes from these and any other company.  Compare apples to apples when you receive your free quotes.

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Dangerous Toys

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Just because you see a toy in your local pet supply store does not mean that it is safe for your dog! Many toys that can be dangerous for your pet yet most pet owners are unaware of the damage they can cause.

  • Sticks and chicken bones can splinter and cause choking or vomiting. They can perforate the mouth, throat or intestine. Hard bones can damage teeth; bone is harder than the enamel on the teeth. Instead, use hard, non-splintering chew toys to play fetch or to allow your pet to gnaw.
  • Soft, latex toys can be shredded by a chewing pet. If the toy includes a squeaking mechanism, the squeaker can be easily swallowed or cause choking.
  • Towels, socks, underwear and other similar clothing or materials can be swallowed by a rambunctious pet, causing intestinal obstruction.
  • Some dogs like to chew on or eat rocks-bad idea! Rocks can cause broken teeth and serious intestinal obstruction if swallowed.
  • Be careful if you offer your pet rawhide, as these can also cause intestinal obstruction if swallowed, and some are preserved with arsenic, which is toxic to pets. Try using CET Enzymatic chews, great for chewing and keepstheir breath fresh and teeth clean.
  • String, yarn, thread, feathers and rubber bands often offer enticing play for cats, but these can be swallowed whole, possibly lodging in the intestinal tract and causing blockage. If only partially swallowed, this, too, can result in severe problems. If you ever see your kitty with string (or a similar object) caught in its mouth, NEVER try to pull it out. If the string is lodged internally, pulling it can cut the cat’s intestines, killing him. Instead, see your veterinarian immediately.
  • For birds, bells can be problematic. Most medium-sized or larger parrots can take apart a bell and choke on the clapper.

If you notice anything unusual about your pet’s behavior or health, call Steinway Court Vet right away. If a toy or part of a toy is swallowed, signs of problems (like intestinal upset or blockage) may occur within minutes or hours; other times, you may not notice anything unusual for days. The obstruction may pass through with no more signs than vomiting or diarrhea. Or it may cause blockage, in which case your pet may be constipated or not want to eat. If you even suspect that your pet has swallowed a foreign object, call us immediately. It’s also a good idea to bring with you any left over pieces of the swallowed/chewed up toy.

Used appropriately, many household and store-bought pet toys can provide hours of entertainment and exercise for your pet. It’s a good idea, however, to supervise your pet during play. Not only will this minimize the chance of accidents happening, but you’ll also be providing your pet with quality time spent with his or her favorite toy.