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Pawlicy’s Unique Statistics of Pet Parents Interested in Pet Insurance

From July 2019 through May 2020, Pawlicy Advisor generated personalized pet insurance recommendations for tens of thousands of dogs and cats. Each recommendation is personalized to the pet based on the pet’s unique attributes, and only after analyzing hundreds of policies across top pet insurance provider companies.

The algorithm scans and prioritizes recommendations based on breed-specific risk factors, age, location, and the fine print in each provider’s policy. This enables us to rank insurance policies across top providers by lifetime cost and coverage value for each unique pet.

ORIGINAL ARTICLE: https://www.pawlicy.com/blog/pet-insurance-statistics-2019-2020/

The recommendation algorithm also asks pet parents about how they’d handle an unexpected $5,000 veterinary bill to better understand the best “coverage versus cost” fit.

In data analysis, sampling is the practice of analyzing a subset of all data in order to uncover the meaningful information in the larger data set. To help maintain business confidentiality as a startup, this report dives into a sample of 20,000 pet parents from the unique data we’ve seen across the United States.

NOTE: In this report, “parents” refers to pet parents or pet owners. Rather than a thing to be owned, instead, we believe pets are unique, conscious individuals and family members.

orange tabby cat beside fawn short coated puppy
Photo by Snapwire on Pexels.com

Table of Contents

How 20,000+ Pet Parents Would Handle A $5K Vet Bill Without Pet Insurance

The rising cost of veterinary care is one of the key reasons pet parents search for pet insurance in the first place.

Although a regular checkup isn’t usually that expensive, there’s always the possibility that the veterinarian will find something wrong with the pet. The pet could then require additional diagnostics and potential treatment, leading to unexpected costs.

When a pet parent compares top pet insurance companies on Pawlicy Advisor they are first asked, “How would you handle a vet bill of $5,000?”

This high unexpected cost represents a common worst-case scenario in which the pet needs lifesaving care or expensive diagnostics and treatment. According to Joshua Louis Lachowicz, a veterinary oncologist at BluePearl Veterinary Partners in New York City, treatments for some illnesses could cost between $4,000 to $14,000.

  • Only 19.44% of pet parents surveyed would be able to cover a $5,000 expense out-of-pocket.
  • 30.86% would seek financing options such as a loan, a credit card, or a payment plan offered by the veterinarian.
  • 49.7% of this dataset of pet parents surveyed say they would not be able to cover a $5,000 expense out-of-pocket.

49.7% of pet parents surveyed who are interested in pet insurance say they would not be able to cover a $5,000 expense out-of-pocket.

This is a critical factor in what makes pet insurance worth it for both pet parents and veterinarians. Furthermore, with the recent onset of COVID-19 across the US, this statistic is likely to grow as households struggle with financial insecurity.

Millennials may be especially vulnerable to financial insecurities caused by the coronavirus pandemic as median earnings are 20% lower for those aged 18 to 34 than they were in the 1980s. That wage gap, paired with many millennials’ shift in viewing their pets as family, should highlight the importance of pet insurance for millennial pet parents.

With veterinary costs on the rise, pet lifespans increasing, and the US economy shaken by the COVID-19 pandemic – pet parents must be educated about pet insurance options and the overall costs associated with owning a pet.

Pet Type and Gender

Pet type (species) and gender also factor into pet insurance rates, and they’re an important input in Pawlicy Advisor’s pet insurance recommendation algorithm.

From the tens of thousands of pet parents we surveyed, we analyzed pet insurance options from top providers for an even greater number of pets (as many parents are looking to insure multiple pets.

Dogs account for 81.62% of pets whose parents are interested in pet insurance.

  • Dogs account for 81.62% of pets whose parents are interested in pet insurance.
  • Cats account for 18.38% of the pets we analyzed insurance options for.

Not surprisingly, most pet parents who shopped for pet health insurance on Pawlicy Advisor in the last 9 months were looking for insurance for their dog. Dogs tend to be more expensive to treat than cats due to their size, but also because of the history of dog breeding.

Some dog breeds are more prone to illnesses and injuries than others. For example, large and giant dog breeds are more susceptible to bloat and hip dysplasia. Dog breeds with short snouts are more prone to breathing problems.

Cats, meanwhile, don’t suffer from as many breed-specific illnesses because their breeding history has allowed for more genetic diversity. According to the ASPCA, cat veterinary costs are lower than those of dogs on average. Some studies even indicate that cats get sick less often than dogs.

As a result, it usually costs less to buy insurance for a cat than it does for a dog. This is another important input in the Pawlicy Advisor algorithm for finding affordable pet insurance policies that suit the pet’s attributes.

Pet gender is a near even split, 47.4% female and 52.6% male.

  • A slight majority, 52.57%, are male, while 47.43% are female.

Pet gender does affect spaying and neutering costs. Spaying a female pet requires a more complicated surgery, so it generally costs a bit more. Un-spayed and un-neutered pets have increased risk for additional medical complications later in life, such as infections and cancer, which could be costly to treat. Furthermore, breeders who wish to insure their animals may need to buy specific insurance plans that cover breeding risks.

Dog and Cat Breeds

Pawlicy Advisor users submitted queries for over 225 different dog breeds over the past year.

Certain breeds are prone to specific health conditions, and certain variations of mixed-breeds reveal different premiums. This info is often tucked away in the fine print of any given policy, Pawlicy Advisor was built to scan hundreds of policy variations to help determine which insurance plan (and provider) is best for each unique pet.

The Most Popular Dog Breeds of Parents Interested in Pet Insurance

  • 7.95% of the dogs were of an unknown breed, and 6.20% were of an unknown mix of breeds.
  • However, Poodles (5.45%) and Labrador Retrievers (4.74%) were also popular.
  • Meanwhile, 3.78% of users had Chihuahuas (and another 3.34% had a Chihuahua mix).
  • 3.49% had a German Shepherd.
  • 3.34% had a Terrier Mix.
  • And 34.8% was made up of 215 other breeds, each with less than 1% each

Other popular breeds were French Bulldogs, Shih Tzus, Golden Retrievers, Yorkshire Terriers, and American Pit Bull Terriers. According to the American Kennel Club Registry List, the Labrador Retriever has been the most popular dog breed in the U.S. for the past 29 years.

What’s interesting is that so many pet parents with Chihuahuas are interested in pet insurance. Poodles make up a large segment, and this is to be expected as it’s a breed with common health issues and the 6th most popular dog among US households. Similar story with Labrador Retrievers. Chihuahuas are a generally more affordable breed to adopt, but perhaps the driving factor is that the tiny breed often struggles with luxating patellas (slipped kneecaps), dental issues, and hypoglycemia (burning more energy than they consume).

Top 50 Dog Breeds Whose Parents Are Interested In Pet Insurance

BreedRank
Poodle Mix1
Chihuahua2
German Shepherd3
Chihuahua Mix4
Terrier Mix5
Mixed (Breed Unknown)6
Yorkshire Terrier7
Golden Retriever8
Shih Tzu9
French Bulldog10
American Pit Bull Terrier11
Labrador Retriever – Black12
Shih Tzu Mix13
Boxer14
Labrador Retriever – Yellow15
Pit Bull16
Hound Mix17
Yorkie Mix18
Border Collie Mix19
Beagle Mix20
Pomeranian21
Maltese22
Boxer Mix23
Siberian Husky24
English Bulldog25
Jack Russell Terrier26
Australian Shepherd27
Labrador Retriever28
Rottweiler29
Labrador Retriever – Chocolate30
Dachshund Mix31
Pug32
Bichon Mix33
Miniature Schnauzer34
Beagle35
Great Dane36
Cavalier King Charles Spaniel37
Boston Terrier38
American Bulldog39
American Staffordshire Terrier40
Pomeranian Mix41
Dachshund miniature – smooth coat42
Poodle – Toy43
Poodle – Standard44
Bichon Frise45
Border Collie46
Australian Shepherd – miniature47
Havanese48
Doberman Pinscher49
Dachshund50

The Most Popular Cat Breeds of Parents Interested In Pet Insurance

Pawlicy Advisor users were less specific in how they designated their cat breeds, although the breed is often less of a consideration when insuring domestic cats. Most cats are considered Shorthair, Mediumhair, or Longhair.

  • 33.89% of the cats we analyzed for pet insurance quotes were identified as Domestic Shorthair.
  • 10.58% were Domestic Mediumhair.
  • 6.47% were Domestic Longhair.
  • And 35.42% were an Unknown Mixed-Breed.

According to our data, a plurality of pet parents interested in pet insurance had Domestic Shorthair cats, at 33.89%. Meanwhile, 10.58% had Domestic Mediumhair cats and 6.47% had Domestic Longhair cats. Among specific cat breeds, Maine Coons, Siamese, Ragdolls, and Bengals are among the most popular.

NOTE: Domestic Shorthair, Mediumhair, and Longhair are all technically generalized categories of “mutts” (mixed-breed cats).

Top 50 Cat Breeds Whose Parents Are Interested In Pet Insurance

BreedRank
Unknown Mixed-Breed1
Domestic Shorthair2
Domestic Mediumhair3
Domestic Longhair4
Maine Coon5
Siamese6
Ragdoll7
Bengal8
Russian Blue9
Persian10
American Shorthair (purebred)11
Siberian12
British Shorthair13
Sphynx14
Bombay15
Snowshoe16
Himalayan17
Tonkinese18
Egyptian Mau19
Scotish Fold20
Himalayan Seal Point21
Turkish Van22
Balinese23
RagaMuffin24
Norwegian Forest Cat25
Cornish Rex26
Burmese27
Munchkin28
Manx29
Feral30
Abyssinian31
Oriental Shorthair32
Exotic Shorthair33
American Wirehair34
American Bobtail35
Turkish Angora36
Himalayan Flame Point37
Himalayan Blue Point38
Chartreux39
Somali40
Scottish Fold Longhair41
Savannah42
Ocicat43
Nebelung44
Manx Longhair45
Havana Brown46
Exotic47
European Shorthair48
Cameo Longhair49
Birman50

Pre-Existing Conditions

There are no pet insurance providers that cover pre-existing conditions (though some plans do cover curable conditions after a certain waiting period with no recurring symptoms), which is why it’s so important to enroll in pet insurance while your pet is still young and healthy. If you enroll before any conditions arise, those conditions will be covered by your plan. Wait too long, and you’ll have to pay out-of-pocket to treat your pet.

Percent Of Dogs with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

A clear majority of dog parents understand the importance of signing up for insurance early – before their pup is diagnosed with any health conditions. But, thousands of pet parents are looking for pet insurance for a pet with a pre-existing condition.

9.8% of dog owners are shopping for pet insurance for a dog with a pre-existing condition.

  • After surveying tens of thousands of dog owners, 9.8% of the dogs who needed insurance already had an existing condition.
  • 90.2% of the dogs we generated a pet insurance comparison for did so before their dog developed a condition that could be considered “pre-existing.”

The importance of comparing pet insurance sooner than later becomes even more evident when looking at the age breakdown of those with pre-existing conditions below.

Puppies vs Adult Dogs with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

Puppies are far less likely to develop health conditions than their older counterparts. It’s best not to wait until a condition arises. Most pet insurance plans include a waiting period, and if your vet discovers an illness before your insurance kicks in, it is usually considered “pre-existing” by the insurance company.

87.97% of the dogs that did have pre-existing conditions were adults.

  • 87.97% of the dogs that did have pre-existing conditions were adults.
  • Only 12.03% were puppies less than one year old.

That data should encourage new puppy parents to look into pet insurance, ASAP. Out-of-pocket costs can be greatly reduced for both vet bills and pet insurance premiums by finding the right coverage sooner rather than later (and the same is true for insuring rescue puppies).

Percent Of Cats with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

Similarly, while most of the cat parents that searched for insurance did so before their pets developed any pre-existing conditions – more than 1 in 10 were shopping for a cat with a pre-existing health condition.

12.27% of cat owners are shopping for pet insurance for a cat with a pre-existing condition.

  • 12.27% of the cats we analyzed had a pre-existing condition.
  • 87.73% of cats had a clean bill of health.

Although vet care is generally less expensive for cats, treating major illnesses can still leave a serious dent in your wallet without insurance.

NOTE: If your pet has a pre-existing condition, pet insurance is still worth the investment. For one, if the condition is curable it can be covered by some plans. You can find out which plans fit your best best by generating a new search on Pawlicy Advisor. If the condition is not curable, other conditions may arise and having to pay fully out-of-pocket for multiple medical expenses is a nightmare. If the cost of pet insurance is an issue for you, use Pawlicy Advisor’s recommendation engine to find the best plan at the best price.

Kittens vs Adult Cats with Pre-Existing Conditions Whose Parents Are Interested In Pet Insurance

Kittens, like puppies, are less likely to develop health conditions than adult cats. Again, do not wait until a condition arises to research pet insurance.

91.9% of the cats that did have pre-existing conditions were adults.

  • 8.1% of the cats with pre-existing conditions were less and one year old.
  • Meanwhile, 91.9% of cats with an existing condition were adults.

Just like puppies, kittens are less likely to be diagnosed with a pre-existing condition than their adult counterparts. Insuring your kitten can save you thousands of dollars in veterinary costs as they grow older.

According to one analysis, the costs of treating cancer in a cat can cost over $2,800+ without pet insuranceWith pet insurance, it costs less than $600 on average.

More importantly, pet insurance also ensures that the cat gets the care they need. The same analysis indicated that the cost of care for cancer in cats based on insurance claims can reach almost $15,000. Pet parents who must pay expenses out of pocket may not be able to afford important treatment options.

The Most Common Breeds of Dogs with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

Humans have been breeding dogs for almost 4,000 years. Due to limits in genetic diversity, some purebred dog breeds are more prone to pre-existing conditions than others.

Based on the analysis of our data, many pet parents with smaller dog breeds and purebred dogs reported pre-existing conditions in their pets.

  • Chihuahuas (4.4%), and Chihuahua Mixes (3.95%) represented many of the dogs with pre-existing conditions.
  • As well as Terrier Mixes (3.45%), and Yorkshire Terriers (3.12%).
  • Additionally, 3.95% of dogs with pre-existing conditions were Poodles
  • 3.78% were Labrador Retrievers
  • 3.01% were Shih Tzus.

Now, this shouldn’t deter anyone from adopting/rescuing a purebred dog. If you adopt a purebred puppy, you can enroll in pet insurance early to ensure any conditions that might emerge are covered by your policy.

Top 10 Dog Breeds That Developed Health Conditions Before Enrolling In Pet Insurance

BreedRank
Unknown Breed1
Chihuahua & Chihuahua Mix2
Poodle Mix3
Terrier Mix4
Yorkshire Terrier5
Shih Tzu6
Mixed (Breed Unknown)7
German Shepherd8
Golden Retriever9
American Pit Bull Terrier10

The Most Common Breeds of Cats with Pre-Existing Conditions Whose Parents Are Interested in Pet Insurance

The most common cat breeds with pre-existing conditions mirror the results of the most popular cat breeds from the previous question.

  • 27.73% the cats with existing health conditions that we analyzed were Domestic Shorthairs.
  • 8.50% were Domestic Mediumhair cats.
  • And 6.88% of cats represented with pre-existing conditions were Domestic Longhairs.

Among the top pure-bred cats that had existing conditions were Siamese cats (1.42%), Russian Blues (1.21%), Maine Coons (1.21%), Persians (1.01%), and 18 other breeds each making up less than 1% of the total.

Top 10 Cat Breeds That Developed Health Conditions Before Enrolling In Pet Insurance

BreedRank
Mixed Breed1
Domestic Shorthair2
Domestic Mediumhair3
Domestic Longhair4
Siamese5
Russian Blue6
Maine Coon7
Persian8
Ragdoll9
American Shorthair (purebred)10

The Most Popular Pet Names

Overall, there were a ton of great pet names that went through the Pawlicy Advisor search algorithm. Bella, Max, Luna, Lucy, Charlie, Buddy, Daisy, Molly, and Lola are just a few that stand out as most popular. But the real gems are in the more obscure names like Cthulhu, Jiggles, Sir Pounce A Lot, and Zig Zag.

For example…

The Most Popular Dog Names

The most popular dog names were Bella, Max, Charlie, Luna, Coco, and Lucy. There were also a few Bobs and Peanuts thrown in for good measure. And who couldn’t love a dog named Bruno, Bear, or Bandit?

Top 20 Most Popular Dog Names

BreedRank
Bella1
Max2
Charlie3
Luna4
Coco5
Lucy6
Buddy7
Daisy8
Bailey9
Molly10
Cooper11
Sadie12
Lola13
Rocky14
Sophie15
Chloe16
Maggie17
Milo18
Zoey19
Bentley20

The Most Popular Cat Names

Naturally, there’s some overlap between dog and cat names.

popular names of cats whose parents are interested in pet insurance Many cat parents also named their cats Luna. Among the most popular cat names were Zoey, Stella, Tucker, Teddy Bear, Zeus, Toby, and Thor.

Top 20 Most Popular Cat Names

BreedRank
Zoey1
Stella2
Tucker3
Teddy Bear4
Toby5
Zeus6
Thor7
Willow8
Zoe9
Luna10
Winston11
Ziggy12
Bella13
Tank14
Theo15
Tyson16
Charlie17
Tiger18
Xena19
Sunny20

105 Unique Pet Names That Caught Our Eye

We also compiled a list of the many pet names that stood out as particularly unique. If you’re looking to adopt or have recently adopted, we hope you consider a few name options like “Mr. Muffin-Stuff” and “Albus Dumbledog.”

  • Albus Dumbledog
  • Azreal
  • Angel Panda
  • Angelfish
  • Basilious Haro
  • Beaumont
  • Beef
  • Bernie
  • Bertrum
  • Bighead
  • Binx
  • Bones
  • Bonkers
  • Catsby
  • Cher
  • Chowder
  • Chu-Chu
  • Cthulhu
  • Ginger Shoopman
  • Glory
  • Gmork
  • Gnash
  • Gnat
  • Gnocchi
  • Gramps
  • Habanero
  • Hanzo
  • Hektor
  • Hootie
  • Igloo
  • Itsy Bitsy
  • Jack Mayo
  • Jada Doo Powell
  • Jeeves
  • Jiggles
  • Jillaroo
  • Jilly Sue
  • Kit Kat
  • Lightening
  • Low Ryder
  • Luci(fer) Anais Garcia
  • Lucy Wigglebottom
  • Lyric
  • Madame Monkey
  • Meatball McBeath
  • Minion
  • Miss Sunday
  • Mister Moose
  • Mr. Bubba Linx
  • Mr. Chips
  • Mr. Muffin-Stuff
  • Mr. Pickles
  • Muchacha
  • Neptune
  • Oatmeal
  • Oedipus Rex
  • Ohno
  • Oogie Boogie
  • PantsDeLeon
  • Pennywise
  • Pesto
  • Pinball
  • Pixel
  • Plop
  • Poopoo
  • Poughkeepsie
  • Preacher
  • Princess Potato
  • Prometheus
  • Quasar
  • Quiggly
  • Rhino
  • Rhubarb
  • Rick the stick
  • Ruff Daddy
  • Sabath
  • Samwise Gamgee
  • Schnaps
  • Shrek
  • Sigourney Weaver
  • Sir Pounce a Lot
  • Skunkers
  • Slinky
  • Sprocket
  • Tabby Rascal Towler
  • Thanos
  • Thorn
  • Toby The Taco
  • Trump
  • Typhoon
  • Umbra Greyjoy
  • Vader
  • Wasabi
  • Weston Greenwade
  • Whoopie
  • Wibbles
  • Wilma Baggins
  • Wombat
  • Xochi
  • Yankee
  • Zephyr
  • Zeus Mobley
  • Zig Zag
  • Zippy Jade
  • Zsa Zsa

What Is Pawlicy Advisor?

Pawlicy Advisor is the first pet insurance marketplace actively endorsed by veterinarians, and we’re transforming the pet insurance industry.

Unlike the other marketplaces or review sites, we provide objective education and comparison tools to help pet parents find the right plan at the best price – no matter the provider.

Pet parents use Pawlicy Advisor to instantly scan hundreds of policies across top providers, easily finding their own best-fit quotes based on their pet’s unique breed attributes, location, age, and more. These personalized recommendations can save pet parents up to 83% on costs over the lifespan of their cat or dog.

Webinar Recap – From Crisis to the New Normal: Navigating HR and Benefits

We were pleased to be joined by Ashley Chisholm of Jacoby & Meyers and David Bryant of Avocado HR on May 21. They covered how HR and Benefits Providers are managing their staff and the benefits they offer. Also mentioned are safety measures and preparations they are undertaking.

And here are the deck presentations from the webinar:

Ashley Chisholm – Jacoby & Meyers

David Bryant – Avocado HR

Stay tuned for more webinars from Eusoh in the future.

Eusoh Reviews and Testimonials

Eusoh is a new way for pet owners to share veterinary expenses together. It’s a premium-free cost-sharing alternative to pet insurance. You may ask yourself, “Will it work for my pet?” Even though we’ve been around for a short time, many pet owners are sharing, saving, and having great experiences with Eusoh. Here’s a testimonial from a real Eusoh customer.


“My dog Remi has just successfully completed his second TTA-2 surgery to repair a torn CCL. Eusoh has been very helpful throughout this process, especially the support staff. They have shown that they care for both Remi and me, and understand the financial burden unexpected vet bills can cause, especially expensive surgeries to repair things like torn CCL’s. They have been incredibly responsive, and have made what could be a very difficult process a lot easier.”
– Tyler Mobraten, Pet Parent of Remi

Pet owners are ready for a change. Here are some comments from a veterinary blog that reviewed us.

“This is an interesting idea. I’ve heard of pet insurance, but this is the first I’ve heard of any kind of community plan. I think it’s worth looking into more closely. Thanks!
-Colleen

“I think this is really a neat concept. I love the idea of sharing versus paying high premiums. I would consider this!”
-Amy R.


“Having a pet can be costly. This cost-sharing program sounds like a great alternative to traditional pet insurance.”
-Alexis C.

The Most Popular Dog Breeds in the World

To say that we’re living in stressful times would be an understatement. Being stuck indoors without knowing when things will go back to normal have prompted many people to resort to coping mechanisms, and at this time, there’s a spike in interest in fostering pets.

According to the American Society for the Prevention of Cruelty to Animals, there’s been a nearly 70 percent increase in animals going into foster care in Los Angeles and New York City, compared to the same time period last year. What’s more, more than 600 people in NYC and LA have filed foster applications online, accounting for a 200 percent increase compared to traditional application numbers during this period.

If you, too, are considering taking a pet home, the first thing you have to do is find the breed that best fits your personality and activity level. As previously reiterated by writer Lucy Reed, you must first do a thorough assessment of your home and your level of obligation, as well as understand the responsibilities of being a dog parent. Once you’ve oriented yourself on everything you need to know, you can begin to look into the breeds that are the best fit for you.

To help you with your search, here are the most popular dog breeds in the world, along with what makes them unique:

Rottweiler

Starting off with the most popular, Rottweilers seem to be the world’s most famous canine, with the breed being the most searched for in 65 out of the 161 places included in a study by Finder. While they’re often seen as protective guardians, Rottweilers also have a soft side and can be loving and loyal companions to their owners. They have hearts as big as their bodies, and they’re incredibly intelligent. If you’re looking for a guard dog, affectionate dog, and playful dog all in one, consider fostering a Rottweiler.

Labrador Retriever

In the United States and many more countries, the Labrador Retriever remains the most popular. Dogtime notes that they first earned their keep as fisherman’s helpers, but over time, people all over the world grew to love them due to their good-natured personality and hardworking attitude. They’re smart dogs, making them easy to train, and they also adore socializing and playing games. And while they’re notorious for shedding, they’re still fairly easy to groom.

Chihuahua

Know Bruiser from Legally Blonde? His breed just so happens to be among the most popular dog breeds in countries like the Philippines, Austria, Belgium, and Spain. Not just a favorite of socialities, the Chihuahua is preferred by many because of its small size, big personality, and ability to hold its own in competitions of obedience and ability. Chihuahuas are also known to adapt well to apartment living, making them popular for newbie dog owners. They’re sweet and affectionate, and they’re easy to groom, too.

Pug

Another dog that is deemed fashionable is the pug, a breed that is extremely popular in 17 countries, such as Brazil, Ireland, Mexico, and New Zealand. Their adorable squashed faces and playful nature alone are enough to make you want to adopt them. Better Homes and Gardens notes that pugs make for an ideal apartment or house dog because they require minimal exercise. They also need minimal maintenance, so you don’t have to worry too much about grooming. Pugs thrive in social settings and love being around people and other pets. And while they have lots of energy as puppies, they also tend to be stubborn at times, so it’s best to train them early.

Maltese

The Maltese breed is loved by people all over the globe, especially folks from Italy, South Korea, Poland, and of course, Malta. They’re famous for their compact size—even when they grow up, their small bodies make it seem like they’re still puppies. Even if this is the case, they’re small but terrible. The American Kennel Club highlights how they make for perfect alert watchdogs, as they’re typically fearless. Despite their long, straight hair, they don’t shed as much. They’re also known to be little athletes and can easily crush it on agility courses.

Content written by Jaida Bane for blog.eusoh.com

Infographic – Coronavirus and Pets

The outbreak of COVID-19 has made national and international headlines. Thousands of cases of the virus, which causes flu-like symptoms, including fever, cough and shortness of breath, have been confirmed since the disease was first diagnosed in Wuhan, China, on December 30, with numbers and death tolls continuing to escalate. 

From: Great Pet Care

LINK: https://www.greatpetcare.com/wellness/covid-19-is-your-pet-at-risk-from-coronavirus/

Can Pets Contract COVID-19?

As organizations like the WHO and the U.S. Centers for Disease Control (CDC) work to understand the virus and control the spread, questions are popping up about whether we should also be concerned about COVID-19 and our pets.

“There is no evidence that transmission [from pets to people] or from pet-to-pet is part of the current outbreak,” says Dr. Kate E Creevy, veterinarian and Mark Chapman Chair in Shelter Medicine and Companion Animal Health at Texas A&M University College of Veterinary Medicine.

IDEXX Laboratories, a global veterinary diagnostics firm, tested thousands of canine and feline specimens for SARS-CoV-2, the virus that causes COVID-19, and found no cases in pets. The test results align with the current beliefs that the virus is primarily transmitted from person-to-person and supports the recommendation against testing pets at this time.

There have been only three reports of pets testing positive for the coronavirus worldwide—two dogs and one cat. 

Pomeranian in Hong Kong tested “weak positive” for the virus. The owner was diagnosed with COVID-19 and is believed to have passed it along to the dog. The dog exhibited no signs of illness. The Pomeranian died shortly after being released from quarantine, but experts do not believe the coronavirus had any impact on the death of the 17-year-old dog, who had underlying health conditions and outlived the average life expectancy of a Pomeranian.

The South China Post also confirmed that a second dog, a 2-year-old German Shepherd, tested positive for the virus in Hong Kong. The dog belongs to a 30-year-old COVID-19 patient living in the Pok Fu Lam area. The German Shepherd has since been quarantined. Another mixed breed dog from the same household tested negative for the virus, and is also being monitored in quarantine. Neither dog showed signs of illness.

cat in Belgium also tested positive for COVID-19, about a week after its owner started showing symptoms of the virus. The cat did display symptoms including vomiting, diarrhea, and shortness of breath, but it is unconfirmed whether the virus caused these symptoms.

These are isolated cases of human to animal transmission, which does not appear to be common. Health authorities still say there is no evidence that pets can transmit the virus to humans.

Learn More at https://www.greatpetcare.com/wellness/covid-19-is-your-pet-at-risk-from-coronavirus/

Q&A: Is a Raw Cat Food Diet Safe and Healthy?

There are so many questions on pet diet. Add to that, there are so many options for pet owners to feed their pets. Traditional pet food manufacturers, artisan/independent companies, all the way to the local butcher, pet owner have a lot options. Here’s an article from our friends at Healthcare for Pets, on whether a raw food diet is good for your cat.

EDIT: We recently received an article about cat food from our friends at Consumers Advocate.

They made thorough reviews of:

Best Wet Cat Food

Best Dry Cat Food

Best Food for Kittens

Best Wet & Dry Foods for Seniors.

Best Food for Diabetic Cats

Best Food for Urinary Tracts

and Best Delivery Service.

Link: https://www.consumersadvocate.org/cat-food

Original Question: What are your thoughts on raw food for cats? – Winnie

Hi Winnie,

It’s very difficult to recommend the best diet for your pet. In fact, I think it is near impossible because you really need to know how a dog responds to a food to know if it is good for them or not. I have always maintained that a food is good if your dog eats it, has good solid stools, does not become itchy, doesn’t vomit, and maintains an ideal body condition. Any food you select has to have a trial period before knowing whether it is ideal or not. So I feel the same about a raw cat food diet. I have seen many pets do very well on raw food. It’s important to manage it properly since it will increase the bacterial contamination in the kitchen. You have to store it properly and keep in mind that it commonly has high levels of fat and protein in it that can increase the risk of causing pancreatitis. To avoid this risk, I would recommend that you introduce any new food very slowly over the course of 3 weeks. Monitor your cat’s response to it very closely as you switch over to the new diet. If diarrhea or vomiting develops, I would stop it immediately and seek medical attention if it does not resolve right away.

Thanks for your question and good luck.

Dr. Clayton Greenway

Coronavirus COVID-19 and Pets. Important Facts, Resources, and Links

Here are some important facts, resources, and links regarding pets and the Coronavirus pandemic. Can our pets become infected? Can it be spread from humans to our pets?

From the American Veterinary Medical Association LINK

PDF – “COVID-19 FAQ for Pet Owners” (Download)

  • The betacoronavirus that causes COVID-19 is SARS-CoV-2 (formerly 2019-nCoV).
    Person-to-person spread has been reported in numerous countries, including the United States. Some popular international destinations, including the United States, also appear to have community spread.
  • Transmission seems to occur when there is contact with an infected person’s bodily secretions, such as saliva or mucus droplets in a cough or sneeze.
    There are currently no antiviral drugs recommended or licensed by FDA to treat COVID-19, and there is no immunization available.
  • For most people in the United States, the immediate risk of being exposed to SARS-CoV-2 is believed to be low, but the CDC considers the virus a very serious public health threat.
  • The best way to avoid becoming ill is to avoid exposure to the virus. Taking typical preventive actions is key.
  • Infectious disease experts and multiple international and domestic human and animal health organizations agree there is no evidence at this point to indicate that pets become ill with COVID-19 or that they spread it to other animals, including people.
  • Out of an abundance of caution, it is recommended that those ill with COVID-19 limit contact with animals until more information is known about the virus. Have another member of your household take care of walking, feeding, and playing with your pet. If you have a service animal or you must care for your pet, then wear a facemask; don’t share food, kiss, or hug them; and wash your hands before and after any contact with them.
  • As always, careful handwashing and other infection control practices can greatly reduce the chance of spreading any disease. The National Association of State Public Health Veterinarians’ (NASPHV) compendium of standard precautions is a good reference for appropriate infection control in veterinary practices.

Additional resource: Traveling with pets with Covid-19

Quarantine the cat? Disinfect the dog? The latest advice about the coronavirus and your pets – From Science Mag – LINK

From their Q & A

Q: Can we pass the new coronavirus to our pets?

A: The SARS-CoV-2 virus spreads from humans to humans. There is no research to support human to animal spread at this time. Samples from the Hong Kong dog had a small number of virus particles present. In an animal with no clinical signs of disease, it’s hard to say what this means. It was a single case, and we learned that we need to do a lot more research into the potential of the human SARS-CoV-19 virus to infect animals.

That said, cats and dogs are mammals too. They have many of the same types of receptors on their cells that we do. So the virus could theoretically attach to these receptors. But will it enter their cells and replicate? Probably not.

Still, people infected with SARS-CoV-19 should limit contact with their pets. Wash your hands, and don’t let them lick you on the face. If the virus is in your secretions, and there’s any potential of transmission, these are ways it could be transmitted.

Coronavirus and Pets: FAQ for Owners from University of Illinois at Urbana-Campaign – LINK

From their Q&A

Can dogs get the new coronavirus (COVID-19)?

At this time, experts believe it is very unlikely. The World Health Organization currently advises that there is no evidence to suggest that dogs or cats can be infected with the new coronavirus. The OIE states there is no evidence that dogs play a role in the spread of this disease or that they become sick. The CDC also seconds that opinion, stating that, “At this time, there is no evidence that companion animals including pets can spread COVID-19.”

Coronavirus disease (COVID-19) advice for the public: Myth busters – LINK – from the World Health Organization

From their Q&A

The new coronavirus CANNOT be transmitted through mosquito bites.

To date there has been no information nor evidence to suggest that the new coronavirus could be transmitted by mosquitoes. The new coronavirus is a respiratory virus which spreads primarily through droplets generated when an infected person coughs or sneezes, or through droplets of saliva or discharge from the nose. To protect yourself, clean your hands frequently with an alcohol-based hand rub or wash them with soap and water. Also, avoid close contact with anyone who is coughing and sneezing.

Coronavirus Global Tracking – LINK

Photo credit: Photo by Marina Hanna on Unsplash

Topics: coronaviruscovid19

Eusoh – Disrupting The Pet Health Care Industry

The Problem – Insurance Companies

The insurance premium model ties the insurance companies’ profits as a proportion of your monthly premiums. This means that the more expensive coverage is for you, the more money the insurers make. 

We see the effects of this in healthcare magnified to the extreme. They have allowed every possible inefficiency to creep in, as they all lead to higher monthly costs while protecting them from blame. 

We need a better system that aligns interests as a core principle.

The Solution – Eusoh Health Care

Eusoh solves this by introducing the first-of-kind, flat-fee subscription model. Eusoh’s fees are 100% not connected to its users’ monthly costs of coverage. Regardless of how high or low monthly fees are, Eusoh makes the same amount of money. Because of this, Eusoh has no incentive to drive up costs. This allows Eusoh to run a model that is simply fair. 

How is Eusoh superior to traditional pet insurance?

  • Flat-fee subscription of $17/month
  • No premiums
  • Zero incentive to increase costs
  • Pricing transparency of vet costs

Transparent Pricing – Know What You’ll Pay

Ever wonder how much you should be paying for something at the vet? Why don’t any of the insurers help with this BEFORE you pay? 

Eusoh is the only coverage platform that offers a pricing list accessible from any screen with an internet connection. Twenty-four hours a day, Eusoh members have up-to-date pricing that reports what users on average are paying for any given veterinary service. Pricing transparency at this level drives down costs, something insurance companies do not want, as it drives down their profits, but again, Eusoh operates under a better model.

Eusoh Helps You Know Your Costs Up Front.

  • Unlike insurers, you’ll know the costs before you pay
  • Pricing list accessible from any screen without internet
  • Users get up-to-date pricing on average vet costs

Eusoh takes transparency to a whole other level. Members have the choice to join small community groups that contribute to one another slightly more than others. Don’t worry, every Eusoh member enjoys the full support of the entire membership at large, but members can choose to join smaller community groups that contribute slightly more to one another. Members can see how much each other is contributing or expensing. All of this works to limit fraud and abuse, which ultimately drives down their users’ costs. 

Eusoh has partnered with some major partners – Willis Re, the 3rd largest reinsurance brokerage globally. Jacoby and Meyers is offering it as a benefit for their employees. Even Wags & Walks has their own community group on the Eusoh platform. 

How it Works – Signing Up 

For the consumer seeking a new alternative to pet insurance, signing up is simple. Users register by email or through their Facebook account. They will be required to add a pet and fill out a questionnaire regarding their pet’s overall health. 

Within Eusoh, there are groups built and populated by families, workplaces, and college alumni. There are also groups based on pet breed, religious affiliation, pet affinity, and even lifestyle. Rescues are even getting into Eusoh to provide coverage for their adoptees. Wags & Walks, one of the most prominent rescues in the Los Angeles area, has registered pets to Eusoh and its group members are currently sharing expenses together.

Signing up and getting started is easy!

  • Register with email or Facebook account
  • Add your pet and fill out a short questionnaire
  • Join a group and you’re done 

To date, members have averaged about 70% in savings against equivalent coverage with a traditional insurance plan. Yep, 70%. That’s not a typo and that number is huge! Don’t waste time. Protect your pet and your wallet and join Eusoh today.

We Need Your Help! Send Us a Testimonial!

2020 will be an amazing year for Eusoh. We want to continue our growth and our mission of protecting the things we love in an easier, more affordable, and simpler way. To help us do that, we need YOU!
Here’s how you can help!

Send us a video of yourself and your furry friend telling the world what Eusoh means to you. Was it our community? Was it our customer service? How did Eusoh help you and your pet? These videos will be used for our upcoming ad campaign featuring testimonials from our community members.

How do I send a video to you?

Just record yourself on your smartphone or webcam. Send us the video or upload it to the social feed on our website. If we use your video, we’ll reward you with a special gift!

video-testimonials

If you have any questions regarding sending a video, contact our Marketing Director, Joe Cayetano – joe@eusoh.com

Pet Health Checklist

Pets are the best friends to us humans. They probably understand human emotions than our fellow humans would. Also, pets, to a high degree, blindly trust their owners. Although, they cannot talk to us, they definitely know how to communicate with us. We have the privilege to watch our pets grow; We get to play with them, pamper them, and most of all, care for them. Our pets may seem completely fine and healthy to us from outside. However, the real question remains – are they really healthy from within? 

If you are wondering how to figure out what a healthy pet looks like, here are some appropriate signs to look for:

  • Ears: Start with the ears and check if they are clean. Healthy ears will not have a bad odor, and they won’t show redness, and will be devoid of excessive wax.
  • Eyes: The next thing to check out are the eyes. Much like humans, clear and bright eyes are a good sign, this means they are well maintained. Look out for redness and watery eyes; These are signs of unhealthy vision.
  • Mouth: A healthy mouth may or may not have bad breath. Consult your veterinarian regarding this. But you can check out is red and swollen gums. Discolored teeth and gums also mean possible problems surfacing in the mouth. This could lead to gum disease and loss of teeth.
  • Coat & Skin: A healthy-looking coat will always be devoid of redness. It will not be flaky. Also, the skin won’t be excessively dry and won’t have any scabs or lumps.
  • Joints & Bones: You can figure this out by keeping a close watch on how your dog or cat is moving around. Healthy bones and joints will facilitate normal activities with ease. Concerns will arise if they are limping or having trouble while standing up. If they do not hesitate to walk or use the stairs then the pets have no problems with their bones or joint movement.
  • Weight: To check on whether the pets weigh right, look out for a slight tuck in behind the ribs or a visible “waist”. Signs of pets maintaining their weight are that their ribs can be felt easily but not seen.
  • Lungs & Heart: Signs of a healthy cardiovascular system include no sneezing, wheezing, labored breath, and coughing. Check if the pets are refraining from playing and exercising and if they are getting tired too easily.
  • Digestive System: A healthy digestive system paves the way to a normal appetite. Vomiting, diarrhea, swollen abdomen, passing gas, burping more than usual, and having trouble passing stool are signs of a malfunctioning digestive system.
  • Urinary System: Pets that are home-trained won’t cause accidents in the house. Check if the urine of your pet smells and looks different than usual. See if they are having trouble urinating or are completely unable to urinate. Such a case demands immediate medical attention. They could be facing life-threatening blockage.

It is time to take a pet’s health seriously, and all of this starts with you. It is your responsibility to schedule regular welfare sessions for your pets with the vet. Also, keep the vaccinations up-to-date. This helps in staying on top to prevent parasite manifestation. Make a perfectly nutritional and complete diet for the pet. Training the pets and helping them get adequate exercise works like magic for their health. Take good care of them. Help them stay strong, happy, healthy, and lively. Start today!          

Top 8 Things To Do When You Adopt a Dog

Do you have a new puppy or adult dog? Congratulations! Dogs are known for their undying love and loyalty, and you’re sure to have years of joy together.

However, you want to make sure you’re ready to give your furry friend the best life possible. With that in mind, there are several things you should do when you adopt a dog. Here is a checklist of eight tips to get you off to an excellent start!

Get the Supplies You Need

The first step is to make sure you have all the supplies you need before your new friend comes home. You’ll need a leash, collar, name tag, food, and bowls. You may also want a crate if you plan to crate train, along with toys and training supplies. Don’t forget puppy pads if the dog isn’t house-trained yet!

Give Your Dog a Space For Itself

When a new pet comes home, they need some time to adjust. The best way to do this is create a safe area where your dog can spend time and get comfortable. You can use a crate for this, with lots of soft blankets, or you can use a pet gate to block off a room. Either way, having space to adjust to a new home will help your dog start off on the right foot – I mean, paw!

Walk Your Dog Around the House on a Leash

As you furry family member is getting used to the new home, walk them around the house on a leash. Not only will this help with leash training if they’re not used to it, it will also help them sniff and adjust to your home. The leash will help in case they get spooked. Show the dog his or her bed, food, and toys, and help them understand what’s off-limits.

Explore the Yard on a Leash

Once the inside of the home has been fully explored, it’s time to venture out. If you have a fenced yard, you can let them off the leash to look around. Otherwise, walk them around outside your home and let them sniff trees, bushes, and other features. 

Introduce the Family and Other Pets

You can introduce your family and other pets to your dog slowly by bringing them one by one into the dog’s safe area. Allow human family to pet and play with the dog to build a good relationship. Other animals may want to sniff or play as well. It’s possible some pets may not adjust to a new dog right away, but given the right strategies things can get better.

Get Your Dog to the Vet

The next step is to take care of your dog’s health. By taking your pet to a veterinarian within the first week, you can have them checked for any illnesses and make sure their vaccinations are current. 

Another important step is to get pet health insurance. You never want to be in a position of not being able to afford the care your new family member needs. A company like Eusoh can offer affordable, community-based health coverage for your pet. 

Adjust Pet Food Slowly

Your dog is probably used to the food they were fed at the shelter, their previous home, or the store. If you want to feed them something different, you certainly can, but you need to make the transition slowly. Start by mixing 1/3 new food with 2/3 of the original food. Increase the ratio until your dog is eating only the new food. This will help minimize behavioral issues or digestive issues that can come from changing food too fast.

Start Training & Enjoying Your Dog!

The final tip is to start training your dog and enjoying time together. Depending on how well-trained the dog is when you get them, you can start with behavioral training or even agility or trick training. Regardless, the idea is to have a great time with your new pet.

A new dog is a lot of responsibility, but it is an investment that will more than pay of in love, loyalty, and support from your new friend. When you have the supplies you need and give the dog a safe space when they come home, they’ll feel comfortable. As you show them around the house and yard and introduce them to new people, you’ll start to see their real personality. 

A dog is an incredible companion, and it’s vital to take care of their health. Let Eusoh help you afford the medical care your dog may need, today and in the future.

Eusoh – What’s That?

I want to start out with two statements that I’m sure will shock you: 

  • Healthcare costs are out of control. The system is broken.
  • 93% of people surveyed do not fully trust insurance companies.

We live in a strange time when, quite often, it’s more cost-effective to pay cash for healthcare services rather than run them through insurance. Trouble is, you don’t know which is the better deal until after you’ve had to make the decision.

The incentives that drive insurance companies are grossly misaligned with the best interest of their customers.

Insurance companies spend massive amounts of money to collect and hold massive amounts of money to pay for something that might never happen. Wouldn’t it be great if we had a system that only paid for things that actually did happen?

Let’s take a quick look at how the Eusoh platform works.

  • A group of 20 people have individual contracts with each other to share an uncertain future expense. That’s 380 contracts in all.
  • The monthly platform fee is $10.
  • By contract, each member of the group maintains a deposit account of $40. There are stop-losses built into the system that guarantees that their monthly cost will never exceed $40.
  • In November; Jane submits $50 of expenses, John submits $25 and the remaining members submit -0-.
  • Each member contributes $3.75 for the losses. Distributions are made to Jane and John for their losses. The monthly fee is deducted, and drafts are made from member bank accounts or credit cards to replenish their deposit accounts to the determined level.

Now, expand the concept to 10,000 people. All have individual contracts to share some future uncertain cost. Nothing wrong with that except you’re dealing with millions of contracts and massive transfers and reconciliations of relatively small amounts of funds. It’s only recently that technology has evolved to the point of handling a challenge like this and Eusoh has harnessed that technology.

The resultant technology creates significant savings, transparency and aligned incentives. If you’ve heard of Eusoh, you see Pet care is likely what you’re aware of. As we studied the concept, we realized that the Eusoh model could be applied to an unlimited number of what the insurance industry refers to as “short-term risks.” Rather than tackle human healthcare head-on, we decided to beta another segment.

Why Pet? 

  • We wanted something that mirrored human health but flew under the radar. Nobody is going to get real upset if we disrupt the pet insurance industry.
  • Pet care serves as a proof of concept.
  • There’s room for market penetration. Only 2% of US pet owners have insurance vs. 30-40% in some European countries.
  • We found that there’s potential to make good money in the pet sector while we’re gearing up for the big game of human healthcare.

I want to spend a little time telling you how we’ve spent our capital to date:

  • The idea is worthless if it’s not legal, so we engaged a top law firm and worked with insurance regulators across the country to develop a white paper to prove that Eusoh meets regulatory requirements. A congressman, whose name you would recognize, heard about Eusoh and invited us to Washington because he wanted to learn more about it. He was very knowledgeable about healthcare and asked all the right questions. Evidently, we had all the right answers because, at the end of our meeting he said, “I’m in. You’ve covered all the regulatory issues. This is something that I can support.”
  • Next, we built the product:
  • We have an end-to-end platform that handles the payments, pricing and money transfers on an on-going basis.
  • Perhaps more important, we have armed our members with a comprehensive price list of services. I’m only slightly embarrassed to admit that It was through the Eusoh platform that I learned I was paying 4X’s more than I should for my dog’s monthly heart guard medication.
  • We have mitigated the legal risks
  • And removed many of the administrative layers of traditional insurance.

It has been an interesting trip.

  • Actuarial studies by two of the largest reinsurance companies in the world indicate that our model will save the average healthcare consumer >50% a year on insurance premiums, deductibles, and other out-of-pocket costs.
  • We have been live in the pet care segment for over a year. Our real results indicate that our members are saving 80% vs. traditional pet insurance.
  • We have an LOI with a large online provider of pet products that wants to use the Eusoh platform on a white-label basis to market their own pet care products. The launch is set for the 1st quarter of 2020.
  • We have an RFP from a national manager of multi-family properties for 400,000 units.
  • The trip to DC was surreal.

Unlike insurance, most of Eusoh’s costs are fixed. That means that once we hit scale, additional revenue will carry a gross margin of 80%.

That’s Eusoh: Innovative, Disruptive, a better way.