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Eusoh Partners With FirstVet for Online Veterinary Service

Eusoh is excited to announce a partnership with FirstVet, the largest global veterinary teletriage company. FirstVet launched in the U.S, this past October, and the company now operates in seven countries, conducting over 25,000 monthly vet consultations.

Having conducted hundreds of thousands of consults, FirstVet has determined that 65% of inquiries from pet owners can be triaged at home. This means that nearly 7 out of 10 trips to a clinic and their associated costs can be prevented with a veterinary video consult. This also means that the savings can be passed on to Eusoh members.

Why do unnecessary trips to the ER happen? Understandably, pet owners often fear that their pet’s symptoms require a trip to the emergency room when they can actually be triaged at home or via a non-emergency trip to the clinic, which is likely to cost significantly less. Pet owners can sometimes be steered by incorrect information from Google or social media, which is why FirstVet staffs its service with licensed vets with an average of ten years of clinical experience.

FirstVet’s vet consultations with the pet owner are delivered via video over the web or on FirstVet’s mobile app. Registration takes less than 2 minutes and the service is available 24/7/365.

The partnership will be launched as a pilot on January 15, 2021 and will be completely free for all Eusoh members for the first two months. During this time, FirstVet and Eusoh will be evaluating how best to offer telehealth to Eusoh members to provide 24/7 access while also ensuring proper usage to ensure balanced protection for the membership.

The FirstVet app is available for iPhone and Android devices. We will be adding a convenient link in your member dashboard to be able to access the site. You can also visit FirstVet by clicking the link below.

Eusoh community members get free access to FirstVet’s vet telehealth service.  

Click Here to Visit to FirstVet

4 Reasons Why You Should Consider Feeding Your Dog Fresh Food

In the last few years, fresh dog food has become all the rage. Only a few years ago, it was rare to find fresh dog food available. However, there are now tons of fresh food companies out there now. 

However, fresh dog food is usually quite expensive – at least more expensive than most other commercial dog foods. This extra cost can be worth it in many circumstances, though, for four main reasons. 

  1. Customization

Fresh food is typically available on a subscription basis. You subscribe to the food and the company sends it to you at regular intervals. Because of this, the company typically customizes your dog’s food based on their gender, breed, size, and activity level. In many cases, you will have to answer some questions before purchasing the food so that they can do this customization. 

As you might imagine, it is impossible for a company to customize a bag of kibble like this. In these cases, you have to measure out how much food your dog needs and possibly adjust the amount yourself. This can be difficult and is often not very accurate. 

Because fresh food is often customizable, it is often better for your dog. After all, it is specifically made for their needs. Plus, it also takes some of the weight off of your shoulders. 

  1. Better Ingredients

When you look at fresh food, you can literally see all the ingredients in it. If it is low in meat, you will be able to tell without even looking on the ingredient list. If the meat is low quality, you may be able to tell as well. 

Because of this, many fresh dog foods use quality ingredients. You can tell what each piece of potato is and how many carrots the formula contains. If the recipe seems to contain only potatoes, you probably wouldn’t buy it for your pooch again. Companies know this and keep it in mind when designing their recipes. 

On the other hand, this is not true of kibble and wet food. You can’t really tell how much of what ingredients are in a piece of kibble just by looking at it. Therefore, these companies can easily get away with using lower-quality meats and packing their food full of wheat. 

  1. Fewer Additives

Fresh dog food is usually meant to stay frozen, which means that it doesn’t need to be “shelf-stable”. This lowers the number of additives the food needs, which also means that your pooch is consuming fewer additives. While not additives are bad, some of them have been linked to health problems. 

Plus, our dogs just don’t need additives, so it is best to avoid them if you can. 

Because these foods are fresh, they also don’t need to contain things like artificial colors or flavors. They look and taste just fine how they are. Once again, while not all artificial colors and flavors are harmful, they aren’t necessarily good for our dogs either. 

  1. Healthier Skin and Coat

While there have been few studies comparing types of dog food, many owners claim that fresh food directly impacts how much their dog sheds and the condition of their skin. This may be because fresh dog food is missing many of the additives that may cause rashes and other skin problems. 

Alternatively, it could be that fresh food typically contains better ingredients. Dogs are what they eat, so it only makes sense that they would react well to higher quality food. 

Which Fresh Dog Food Brand to Choose?

If you’re convinced that fresh food is a great option for your pooch, the next step is to choose a brand. There are some great options (Nom Nom Now, Farmer’s Dog, and Pet Plate to name a few), high-quality brands out there. More are being founded all the time and there are some scientific reviews too to compare. 

When you can afford it, there are many benefits to choosing fresh dog food. From healthier skin to customization options, many of these benefits can help your pooch live a longer and healthier life.

Photo by Chris Benson on Unsplash

N-Gage – The Pet Toy and Accessories Brand You Need to Know

As we’re getting into the Holiday season, you know there’s going to be a lot of new and interesting products for pets everywhere. Here’s a new brand you need to know: N-Gage  brings top-of-the-line and uniquely designed pet supplies to the market, catering to the ultimate pet enthusiasts.

Fun and interactive playtime with pets won’t be complete without strong, high-quality toys and accessories. Responding to pet owner demands, N-Gage introduces its innovative, durable products that can withstand the most wear and tear your pet can give them. 

Special for Eusoh Members

• 15% off all orders. Good for one purchase. Offer valid through 12/24/2020.
• Use promocode: EUSOHVIP

What are the long-lasting products of N-Gage

Balls & Flyers

The best pet accessories brand offers its indestructible collection of easy to grip balls and flyers that are available in different shapes, sizes, and vibrant colors. 

Its made of rubber Squeaker Balls, Squeaker Footballs, Bungee Handlers, and Flyers are perfect for indoor and outdoor play, maximizing an active and entertaining time with your pet. 

Whether you’re in your home, in the park, or at the pool or beach, N-GAGE balls with a lightweight and buoyant design never fail to give endless fun all throughout the day.

With the balls’ internal squeaker and high-bounces, watch as your furry pal wags its tail, ready to show off its jumping and catching skills.

Tug & Toss

Select from a wide range of toys specially designed for a specific purpose. 

N-Gage Bumper and Propeller are made for pets and pet owners who are looking for interactive ways to fetch and catch. The bumper has a leash-type handle, while the propeller has a triple-spoke design. The toys are floatable, providing versatility, which is great for tugging and tossing — be it in water or on land. In addition, both toys are made of rubber with the right texture, making it easy for pets to grip.

Its Jack and Dumbbell, on the other hand, are strong and sturdy that can satisfy even the toughest and the most aggressive tuggers. Jack toys have six access points, while the dumbbells have a hexagonal design. They have softened angles to avoid damaging the inside of your pet’s mouth or splinter.

In addition to the wide selection of the brand’s Tug & Toss category is the Knots and Tuggers designed for solo interactive play. Cure your dog’s boredom with N-Gage’s weaved version of colorful bumpers and ropes.

Collars & Leashes

Keep your pet safe with N-Gage’s ultra-durable Collars, Harnesses, and Leashes, whether you’re out for a quick run or you’re off for a hike. 

The pet product brand prides itself on having one of the most popular leashes among its product line: the Running Leash. When you’re on the go in bustling city streets, you can

wear the leash around your waist, promoting hands-free running. It also has built-in handles, letting you have tighter control of your pet when crossing busy roads.

Together with quality leashes are dog collars offered by the same brand. Its easily adjustable feature brings comfort to your dog when you go for a swim or a run. The collar’s inner side is made from neoprene material, while its outer side is ballistic nylon. What more is that it has a concealed ID strip where you can add your dog’s info.

To achieve the maximum comfort and safety of your pet, the pet supplies company also offers padded chest plate harnesses. Only premium quality materials are used, making the product strong but breathable.

Essentials Pack

Make travel easier with Essentials Pack from N-Gage. 

Inside the compressible pack is a Zip Bowl made with ballistic nylon and a Water Bottle that’s BPA-free; you can fill it with water to keep your pet hydrated while on the road.

The pack, likewise, has a large and foldable Travel Mat. Its top is made with a soft brush polyester, while its bottom consists of mesh material.

To promote fun and memorable moments between you and your pet while outside your home, the pet product company makes it a point to include its versatile Bungee Handler in its essentials pack.

Where to buy N-Gage pet supplies

N-GAGE is an independent brand that can be found in smaller, independent stores. They are not sold at huge corporate retailers, nor are they sold on third party consumer websites. For more information, visit: ngagebrand.com.

Can a Pet Owner’s Addiction Create Stress for His Pet?

Original article written by Patrick Bailey.

No man is an island. Your words and actions have an influence on others, in either a positive or negative way. When you have an addiction, your actions will affect your family, friends, colleagues, and even your pets. Unfortunately, your furry friends aren’t immune to the negative effects of addiction on your life.

Addictions can change your emotions, personality, and behavior. These changes will not go unnoticed by your pet. Dogs, in particular, are quite susceptible to mood swings and personality disorders in their owners. A substance abuse problem can cause anxiety, stress, anger, confusion, or depression. Dogs have a way of picking up on these feelings and reacting to them in like fashion. If you’re stressed, your pet may show signs of stress. If you’re fearful, your pet may become fearful as well. In addition to being affected by your emotions, pets can feel the negative repercussions of your addiction through abuse and neglect.

How Addictions Affect Your Pet

When you’re addicted to alcohol or drugs, it’s easy to overlook your responsibilities to your pet. This leaves your pet in a precarious state as he obviously needs your attention and care. Addiction can affect pets in many ways:

The mental effects of addiction are often more profound on dogs than other types of pets due to the closer relationship people have with their canine companions.

In a non-addictive state, bonding with your pup can be extremely rewarding as you both benefit from mutual love and friendship. Your pup takes his cues from you when it comes to the way he perceives his surroundings. If you are happy, calm, and confident, he will feel safe and secure in his environment. If you’re nervous or fearful, your pup may feel threatened by his environment, which could lead to anxiety and aggression. According to a study by the Center for Canine Behavior, a dog’s “behavior problems,” i.e. fear, anxiety, aggression, can sometimes be triggered by their owner’s mental state. Here’s how your addiction can lead to mental distress in your pet.

Addiction and Mental Distress

Studies show that dogs can detect how you’re feeling and your feelings can affect their mental state of health. If you’re angry or upset, your pup can tell by your body language, tone of voice, and even facial expression. Your pup can also detect chemical changes in your body such as sweating when you’re anxious or afraid. He may not know what’s ailing you, but he can certainly tell that something’s wrong and you are not your “normal” self. By correlating the tone of your voice and body language to your actions, your pup could become wary or fearful of how you are going to react.

Alcohol and drug use causes changes in your personality and demeanor. If your pup has been around long enough, he can sense these changes. Over time, he may start to mirror the stress, tension, and fear you’re feeling in your addictive mental state. If you suffer from high stress levels, your pup will tend to have high stress levels as well. Your pup may bark or whine incessantly when you get drunk or high due to sensing the changes in your physical and psychological state. He may begin to associate the smell of drugs or alcohol with erratic feelings or behavior, causing him to become fearful or agitated when you drink or take drugs.

Addiction Can Lead to Pet Neglect

Substance abuse problems can lead to neglect of your pet. It’s difficult to keep up with your pet’s care if you’re constantly drunk or high on drugs. You may forget to feed your pet for days or fill his water bowl or even take him out for walks.

When you have an addiction, your only concern is yourself and getting the substances you need to avoid withdrawal symptoms. You may abandon your pet for days in pursuit of drugs, leaving him to suffer from hunger and thirst, and loneliness due to neglect. Your house will suffer from the messes your pet will make due to being stuck inside. You may even decide it’s not worth having a pet and turn him out to fend for himself. Imagine the stress and anxiety your pet will go through by being abandoned by the person he loves.


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Addiction Can Lead to Pet Abuse

Addiction can lead to abuse of your pet as you’re not 100% in control of your faculties. You may strike your pet while in a drunken stupor or after taking drugs. You may not even remember being mean or abusive to your pet. The good news is that you don’t have to stay in your addictive state. You can overcome substance abuse problems through addiction treatment. Your pet will be forever thankful that you took steps toward recovery.

Ways to Reduce Stress in Your Pet during Recovery

Addiction changes everything in your life – your personality, emotions, behaviors, and routines. These changes can derail your pet. Your pet won’t understand what you’re going through or what he can do to get his old master back. The following steps can help your pet feel more secure as you undergo treatment to regain control of your life:

  • Take care of your health. Prioritize your health during treatment to help expedite your recovery. Good health will make it easier to care for your pet.
  • Maintain a routine with your pet. Pets feel more secure with a routine. Set regular times for meals, exercise, and play. If necessary, ask family or friends to help you keep this schedule while you’re undergoing treatment.
  • Continue training sessions for your pup. Your pup can benefit from the mental and physical stimulation that training sessions provide. Make sure your pup gets the positive reinforcement he needs during this time.
  • Don’t hold back on love and attention. Spend personal time with your pet, re-establishing your bond. Love and attention can help your pet overcome feelings of stress and anxiety and make him feel part of the family once again.

Your pet is worth fighting for. By doing your part to overcome addiction, you can win back his love and trust.

Author Bio: Patrick Bailey is a professional writer mainly in the fields of mental health, addiction, and living in recovery. He attempts to stay on top of the latest news in the addiction and the mental health world and enjoy writing about these topics to break the stigma associated with them. 

Photo by Brad Halcrow on Unsplash

5 Common Resume Gaps (And How to Explain Them)

A gap in your resume is always stressful to explain, even if it’s out of your control. Whether you’re unemployed due to the pandemic or took time off to take care of your family, explaining your employment gap during an interview is enough to make anyone nervous. 

However, explaining your resume gap doesn’t have to be that stressful. If you do it right, you can focus on what you learned and the positives that you took away from the experience. Keep reading to learn how to explain the 5  most common types of resume gaps

First, it’s important to understand what a resume gap is. Taking three months in between jobs is considered a job searching period, not an employment gap. Taking nine months, however, would likely be considered an employment gap.

1. Being unemployed

If you were let go due to COVID-19, know you are not alone. The world is facing record levels of unemployment, so explaining this to an employer likely won’t be an uncommon hurdle. However, it’s important to work through your COVID anxiety and frame your unemployment gap as time you spent learning new skills that are relevant to your career. 

2. Taking time off to travel

A travel-related resume gap is pretty common, but can be stressful to explain since most of the time it wasn’t a “necessary” resume gap. Whether you spent time backpacking through the Alps or road tripping around your country, explaining a travel gap is all about framing it positively to focus on what you learned. 

Pick up a new language? Learn to use a different currency? These are all skills that contribute to cultural literacy, which can help you have a more holistic understanding of the world around you. 

3. Going back to school

Going back to school is another common reason for a resume gap, and luckily it’s usually not that difficult to explain. If you went to pursue higher education in your career, you should highlight what makes you different than another applicant who doesn’t have that new level of education and focus on your positives rather than what you missed during your time away from the office. 

4. Taking a job outside your career path

If you took a job that wasn’t relevant to your career, it can be a struggle to decide whether to include it on your resume. However, a great way to circumvent this is to highlight it on your cover letter instead. Mention how you took a job in a different field to make ends meet, but that you’re ready to get back on your feet and dive back into your career.

5. Taking time off for family

Family-related leave is one of the most common reasons for a gap in employment. Whether you went on maternity leave or took time to take care of a sick family member, family-related leave can be explained by focusing on how you took care of your family and kept your skills up during your time off. 

When explaining a gap in your resume to potential employers, it’s important to be transparent. Employers can see right through candidates that are clearly trying to hide something, and will usually respect you more for being straightforward and honest about your resume gap. 

However, while you are being transparent, you should also assure the interviewer that this employment gap is not a pattern. They want to know you aren’t going to work at their company for a few months and leave, so it’s important to give them peace of mind that you want to stay and build your career there.

No matter what type of resume gap you have, being honest about it is always the best policy. For a complete guide to structuring a gap in your resume, check out the infographic below.

Resume-Gaps-Infographic

Infographic source: https://www.resume-now.com/job-resources/resumes/how-to-explain-gaps-in-employment

Eusoh is a community health sharing plan that reimburses you for your pet’s medical, wellness, illness and routine care expenses. We publish articles like this to help all people with their finances, careers, and of course, health (and the health of their pets too!)

9 Best Ways to Ease Your Covid-19 Anxiety

Covering ways to relax and manage stress during pandemic and quarantine

Indefinite isolation from loved ones to prevent the spread of the coronavirus along with the cluelessness about what’s going to happen next have caused mental health crises for many people. As cases of COVID-19 continue to surge, Americans have experienced or are going through cases of anxiety or depression.

The global pandemic has made people deal with: 

  • Worry that comes with loss of income
  • Separation anxiety with loved ones
  • Fear falling ill
  • Fear being labeled from becoming sick
  • Suffering through boredom and isolation
  • Fear about not having food and other essentials

While it is entirely natural to experience anxiety during general uncertainty, it is essential to deal with it day by day to maintain your mental health. Here are 9 of the most effective methods to help you relax. 

Identify what triggers your anxiety

Anxiety can cause feelings of worry or fear which may result in panic attacks; thus, it is important to determine the source of your anxiety as it is the best way to deal with it. Do you experience anxiety because of health issues, skipping meals, negative thinking, conflict, or stress? 

To identify triggers, start journaling and write what causes your anxiety. If journaling doesn’t seem to work for you, consult with a therapist as they have other methods to identify the root cause of your anxiety. Further, relax and explore the different patterns in your past that are similar to what’s happening now. Analyze how these patterns affected you and how you overcame them. Through this method, you’ll have a better idea how to deal with the situation at hand.

Ask for help

Some people are too independent, and this makes them believe that they can do everything by themselves while others are afraid to ask for help because of fear of social stigma. They assume right away that others aren’t willing to help or are busy with their own lives, but as Dr. Wayne Baker said, “You never know what people know or who they know until you ask. Don’t prejudge the capabilities of the group. Just ask for what you really need.”

As such, don’t be the “do-it-yourselfer”. Ask another person about stockpiling food, converting your garage to an office, a trip you’ve been planning, or an influential person they know who can help with your business or work. When you’re afraid or have second thoughts, just remember what Dr. Baker said.

Communicate with your loved ones

Social distancing requires citizens to stay at home, but that doesn’t mean that you have to cut connections with your loved ones. Find ways to have a good chat with your neighbors, co-workers, colleagues, as well as with your loved ones whenever you have time. The most important thing is to reach out.

With the digital evolution, almost everything is possible. Use social media, text, phone calls, video calls or email to stay connected with your friends and family. Research has shown that positive social support offers you the power of resilience to stress.

Don’t deprive yourself of sleep

Ample sleep boosts your immune system, brain function, mood, and mental health. Following the recommended seven to eight hours of sleep as well as 10 to 20-minute naps reduce the risk of infection, promote complex thinking and decision-making, and increase your energy level which helps with overcoming depression.

To have a good night sleep, set your schedule which means setting your wake-up time, wind-down time, and bedtime. It is also essential to eat a healthy diet, avoid too much intake of alcohol and caffeine, get some sunlight, and meditate. And even if you can’t find a way to fall asleep, some good quiet time with no distractions, noises or bright lights will do.

Practice self management

Skipping self-care during this pandemic can have some unwanted effects that may interfere with your daily tasks such as emotions that are difficult to manage, feeling of hopelessness, and the inability to focus on daily activities. 

To avoid such from happening, engage in healthy practices including yoga, exercise, therapy, and meditation. These activities will help remove what’s blocking your mind and body, activating your free-flowing energy, which aids in concentration.

Listen to music

Music has been proven to relieve anxiety, ease depression, restore lost speech, lower blood pressure, and enhance concentration. It has a powerful soothing effect on your mind that helps you win over the invisible yet powerful novel coronavirus.

Different music has a purpose. If you’re in a blue mood, listen to upbeat music while performing exercises. If you’re trying to get some sleep, opt for quiet, melodic pieces with a slow beat. To reduce stress, look for slow music, but if you want to break the pain cycle, listen to lullaby-like selections. 

Stay up-to-date

News coverage related to Covid-19 is overwhelming; thus, some avoid keeping up to date with current events, but doing so means feeding your brain with fantasies that can, later on, escalate your anxiety. 

It is important then to find the few most valued sources of information that don’t increase your stress levels. You may try listening to podcasts and reading newsletters from reputable sources with solid reporting and nice storytelling without inflicting fear. The NPR One app, The Daily, The Washington Post, The New York Times, and USA Today are some reputable sources for your daily news.

Stop the shaming and blaming game

Toxic tongues can only worsen the situation during this pandemic. With the increase of survival anxiety in people, it has been a common thing for others to blame a particular group like the current administration or an old lady who uncontrollably coughs in front of others, or young people who stay out late. 

The heightening situation has compelled people to gather for protests, but doing so will only make the situation worse instead of solving it. Instead of putting the shame or blame on anyone, it would be best to stay positive and to unite with others to help those who are in need. This step, if done correctly, can end the global pandemic.

Adopt a pet

Centers for Disease Control Prevention (CDC) mentioned that having a pet has many benefits including decreased blood pressure, decreased feelings of loneliness, increased opportunities for exercise and outdoor activities, and increased opportunities for socialization. Pets are great listeners and innately sweet; they provide comedy relief and warm hugs.

For Seniors (Ages 60+): Pets can fulfill the lives of many senior citizens, long after the nest has become “empty”. Here an article from Sixty+Me that highlights the benefits pets bring to our elders. LINK: How Pets Can Benefit Older People

As such, people are adopting pets to deal with the loneliness of quarantine. In fact, pet adoptions in the United States are increasing and that shelters are running out of pets. If you’re looking for a companion who can make your day better, now is the best time to adopt a furry, warm non-human companion. After pet adoption, you might consider enrolling him in an affordable pet health plan that offers full coverage. This is to both keep you happy, not worrying about routine care or emergency veterinary treatment while enjoying each other’s company.

Photo by Vince Veras on Unsplash

Best Financial Apps Millennials Must Use in 2021

Covering financial, investment, and insurance apps for next year

Millennials, ages 22 to 37, whose population is at an estimated 72.1 million by the U.S. Census Bureau, are probably one of the biggest demographics affected by the financial crisis brought by the current pandemic and recession.

Many Millennials are facing student loan debts, delaying homeownership, and struggling to save any funds. Aside from that, the shortage of jobs has greatly affected Millennials when both the stock market and home market collapsed in 2008. It is important to note, however, that the financial sector has slowly recovered so does employment, but yet again, another crisis brought by the novel coronavirus pandemic has shaken the global economy, leaving most Millennials unemployed. 

In these turbulent times, it is clear that everyone, especially Millennials should be in the habit of saving money and investing money. In this digital era, setting your short-term and long-term goals does not have to be complicated. There are hundreds of the most promising financial apps that you can download to help you when it comes to your long-term financial goals. But which among them are the best?

Below are the top 5 financial apps for your saving and investing needs. 

  1. Robinhood: Investing 

Robinhood, a free stock trading app, rose that does not charge commissions for stock, ETF, and options trades, and it has no monthly account maintenance fees (Unless you use the Gold version). The platform is best recommended to new investors who prefer trading small quantities and to active stock traders on-the-go.

App

The app makes it possible for everyday users to have easy access to buying and selling of stocks. It is compatible with both iOS and Android devices that come with trading tools and features stock traders need. It provides relevant news and real-time information about stock market data such as charts, earning reports, and analysis ratings. 

Investments

The company has a wide array of available assets for trading or investing including stocks, cryptocurrency (Bitcoin, Ethereum, Litecoin, Ethereum, Litecoin, Ethereum Classic, Dogecoin, Bitcoin Cash, Bitcoin SV), simple and multi-leg options, and fractional share trading.

Cash Management

Through this app’s feature, investors earn decent interest or APY (Annual Percentage Yield) through uninvested cash by moving it to FDIC-insured banks. 

Robinhood Gold

This is an upgraded account that offers more features including bigger instant deposits, margin investing access, in-depth research, and Nasdaq market data.

Pre-market and Post-market Trading

Their pre-market trading hours are from 9:00 to 9:30 in the morning while their post-market trading hours are from 4:00 to 6:00 in the afternoon. They follow Eastern Standard Time (EST).

  1. Digit: Savings & Debt Management 

Digit, FDIC-insured, helps users achieve financial well-being by automatically saving a portion of their money consistently after an advanced algorithm analyzes their spending habits, bills, and income.

App

After connecting a bank account to Digit once signed up, the app available for both iOS and Android will allow the users to set their goals including student debt loan, emergency fund, mortgage, credit card debt, and dream vacation. All the collected data along with the other information provided will be reviewed by the special algorithm before deciding the right amount to be transferred into the Digit account.

Secure Encryption

The company uses 256-bit encryption, military-grade encryption, which is one of the modern top-ranking encryption methods used in technologies. This ensures the security of one’s data.

Annual Bonus

Saving with Digit for 3 successive months earns investors 0.5% Savings Bonus which they receive through their Digit account. To illustrate, having a $2,000 savings multiplied by 0.5 is $100, which is more than enough to pay for an annual subscription.

Low-balance Protection

Investors have the option to turn on this feature to avoid incurring overdraft fees when their bank or checking account has funds that are below the maintaining balance. If the account must have $100, but the balance is at $90, Digit will automatically transfer $10 to the bank or checking account.

Subscription Fee

There is a subscription fee for $5 to use the app, but as mentioned earlier, earning 0.5% annually can cover the fee.

  1. Coinbase: Cryptocurrency Investing 

Coinbase is the world’s leading cryptocurrency exchange and digital asset broker headquartered in San Francisco. It is a great platform that allows newcomers and seasoned experts to buy cryptocurrencies. Investors also have the chance to buy and hold these cryptocurrencies for a short or lengthy period.

Altcoin Choices

Coinbase was founded in 2012 and has slowly brought Bitcoin, Litecoin, and other altcoins onto the app. Today, it has 25 cryptocurrencies for trading, staking, and investment. 

Simple User Interface

The platform ensures that every investor, especially the newcomers, will not face complexities when it comes to signing up and buying cryptocurrencies by designing a user-friendly interface, which promotes fast creation of accounts, linking to payment options, and eventually making transactions.

High Liquidity

Coinbase is part of the highly liquid exchanges. Traders can exchange their assets for cash without putting the price of that asset at risk. 

Dashboard Data

All the information that enables investors to keep track of their crypto is on their dashboard, which can be accessed on Coinbase’ website and app. It provides details about prices and one’s asset values.

Buying Limits

After account creation, users are only limited to buying a small number of Bitcoins unless they raise their limit by providing and verifying their phone number, personal information, and photo ID. Today, fully verified US residents have a $25k limit per day.

  1. Acorns: Micro Investing

Acorns rounds up spending with one’s debit card to the nearest dollar and moves the money into an investment account. For instance, a shopper spent $55.15, the amount will be rounded up to $56, and the 85 cents difference will be invested. 

Turbo-charging 

Investors may either choose Acorns to apply recurring deposits for all their eligible purchases or manually select specific transactions for the round-up feature. Aside from that, they have the option to increase the amount that will be added to my Acorns Round-Up balance. Instead of the 85 cents, they can set $8.50 as their investment for that one transaction alone.

Membership

There are 3 types of membership. The first is Lite which costs $1 a month and has a taxable investment account. Second is Personal at $3 a month and includes retirement and checking accounts. The last is Family at $5 a month, which has all the features of Lite and Personal as well as Acorns Early intended for children.

Found Money

Over 350 companies, including Airbnb, Walmart, and Sephora have accepted a partnership with Acorns. With this, for every purchase made using the card linked to the member’s Acorn active account, the member receives a cashback which is deposited into their account.

Educational Content

New investors may grow their knowledge through Acorns very own digital Grow Magazine that contains financial literacy content, including credit card debt and student loans.

Acorns Later

This individual retirement account offers an opportunity for investors to save for their retirement. After setting up an IRA (Individual Retirement Account), Acorns provide the right plan.

  1. Eusoh: Pet Health Plan

Eusoh has revolutionized the pet insurance industry with its affordable unique crowd-sharing software platform. It has its community with thousands of members to help pet parents with their veterinary bills. 

Each member pays a $48 deposit monthly that goes into a pledge account and $17 every month per pet for comprehensive coverage which includes injuries, annual checkups, surgeries, and prescribed medications. It is clear that the amount the company requires their members to pay is way lower compared to traditional pet insurance providers. 

While Eusoh works like an insurance provider, it is NOT pet insurance; rather, it is an innovative alternative and is gaining popularity among pet parents.

No Premiums

Eusoh does not have premiums which imply that they will never generate their revenues from deposit funds, shared, costs, and interests. As such, it is unlikely that there will be any increase soon as the pet health provider does not have an incentive to bigger costs. Thus, members will continue to pay an amount that does not go beyond $65 per month. 

Totally Transparent

The organization gives all the necessary information about coverage and reimbursements for a specific procedure. If a member is eligible, he will receive a quote. This kind of transparency helps members decide the next step they should take.

No Networks

Members are not limited to visiting a certain vet who is in partnership with Eusoh as “networks” do not exist. They can visit their favorite vet while enrolled in Eusoh’s pet healthcare plan. 

Easy and Instant

Invoices and receipts are easy to upload. Members can take a photo of their receipts, send it through their smartphone, and wait for the reimbursement.

Eusoh App

The app will be released in Fall 2020. While that is being developed, the current mobile site is being redesigned for ease of use. 

Be Financially Ready

Time has changed.

With the financial high and lows happening during this pandemic, people are akin to facing a blank slate, clueless about what the future holds. Will there be opportunities next year or will economic recession continue to surface? 

To survive the future crisis, it is best to have a safe savings plan. Determine which financial aspects in your life needs (Debt, future purchases, savings) to be improved, and decide which among the 5 insurance apps mentioned would be an excellent choice for your needs. Then, start saving for your brilliant future.

Photo by Austin Distel on Unsplash

Get Eusoh for Your Clients and Their Employees

Owning a pet provides a great deal of social and health benefits. However, having one requires greater responsibilities as pets need proper care, which includes routine care, and vaccinations. Being a pet parent can be expensive, especially if pets need to undergo surgery or special medications. It shows that pet health plans become an important benefit that the modern day workforce desires.

With the recent increase of pet owners in the US, the choice of pet insurance options has increased as well. However, the high cost of their insurance policies may scare some clients, and this may lead pet parents neglecting such benefits. Dr. Allan Kamrava, a board-certified surgeon who deals with the pitfalls of health insurance, is completely aware of the predicaments of pet owners. As such, he founded Eusoh, an innovative alternative to pet insurance which is a community-based subscription service that does not wage on risk. 

Today, Eusoh is a better option in contrast to traditional pet insurance benefits providers are currently offering to clients. It is without a doubt that these clients (HR departments, benefits specialists) would be willing to buy Eusoh’s health plan as it has various benefits it can provide to their company as well as their employees. For not more than $65 monthly fee, members benefit from comprehensive coverage which includes accident, illness, and wellness coverage. What’s more is that Eusoh has not partnered with veterinary clinics; Thus, members are free to choose the veterinarian they are most comfortable with. 

Eusoh is an innovative alternative to pet insurance.

As employee demand for pet benefits grows, not only individuals buy a health plan from Eusoh. Big companies recognize the importance of pet insurance to employees; they understand that employees prefer benefits over a salary increase as these competitive perks offer them security in the long run. As they are fully aware that though 68% of Americans have pets, only 2% have financial coverage for their pet, they offer pet insurance with the purpose of recruiting, attracting, and retaining quality employees. These companies, however, focus on cost-reduction; hence, it is only natural that they find the best insurance policy with the lowest premium. This is where Eusoh comes into play. 

Eusoh is a unique and innovative alternative to pet insurance. It does not hold premiums nor store the money in a premium pool, and while insurance companies need to increase premiums and healthcare costs to gain higher revenue, Eusoh benefits the other way around for the reason that the company earns profit from member dues, not from premiums. Another advantage of the platform is its transparency. They ensure that members are well-informed whether they will receive reimbursements for a certain procedure before it is carried out. Not only that, Eusoh quotes the amount that they should receive. This process helps members to make final decisions.

On the Eusoh’s platform, members are able to save over 50 percent. Last year, Eusoh members saved 60% over pet insurance. Through the power of technology and peer-to-peer sharing, this new approach has been made possible, which definitely attracts Millennials and the younger generation to come as pet insurance is desired among employees, especially the aforementioned Millennials. Companies such as CBIZ, Ease, Coach-Net, Jacoby & Meyers, and shelters like Wags & Walks have decided to partner with Eusoh. 

It is worth noting, however, that the huge amount of savings members get is not the only reason they do business with Eusoh. Derek Rey, CEO of Demand Inc. commended the excellent customer service that Eusoh provides during the onboarding process. He said, “It was fast, easy, and fun. Our team has only great feedback to share regarding the experience with Eusoh.” It can be said with confidence that being with Eusoh means hitting two birds in one stone; clients are able to save a huge amount of money while having the best customer service for their pets. 

With all the above-mentioned benefits, there is no doubt that companies who team up with Eusoh will have a positive health company culture – by providing peace of mind to employees. It should be pointed out that there is a high chance for American employees who are also pet owners to be worried if their pets acquire an illness, especially if the case is severe where treatment or surgery, which can be very expensive, is necessary. These employees who consider their pets as part of the family may unconsciously bring their problems to the office. As a result, the quality of their work output might be significantly affected, but with Eusoh, this problem can be prevented. Eusoh membership leads to the staff coming to work happy with the knowledge that they need not worry about veterinary bills piling up in case of emergency.

Considering that Eusoh is an affordable pet health plan for employees, employers may have the option to offer the plan as a low-cost benefit as there is a program where employees may get a corporate negotiated discount. On the other hand, companies, depending on their budget may offer it as a no cost-benefit.

On a final note — For Benefits Providers, Eusoh has no minimum enrollment requirements, offers a yearlong open enrollment period, and can be easily implemented. Given that pet insurance is the hottest new benefit for employees, it is best to offer Eusoh’s pet health plan to clients or companies, especially those of the younger set, who see pets more as children and are willing to set aside funds for their health.

Photo by Jud Mackrill on Unsplash

Virtual Vets and Tele Vets: The Future of Pet Care

Pet care is primarily provided by veterinarians at their clinic; however, with the current situation with quarantine and Covid-19, some vet pet clinics have started to adapt using apps and teleconferencing. To cater to the needs of pets and their owners, virtual vets and tele vets have emerged as a pet health care option.

Veterinarian with stethoscope examining cat with sore stomach. Young blond woman in white uniform working at Veterinary clinic.

“Vet on demand” services allow pet owners to have access to remote vet care through a  video call or chat at the comfort of their home. A licensed vet can provide general medical advice (telehealth services) and/or diagnosis and prescriptions (telemedicine services) regardless of time and place. 

With the global pandemic and imposed stringent quarantine rules making an impact on our lives, online pet care services are a massive help for pet parents. These services make searching for accurate answers could be acquired through licensed veterinarians instead of endless and sometimes, fruitless Google searches. 

To better understand virtual veterinary solutions and whether or not it is a great option for you and your pet, continue reading as we’ll further explore its benefits as well as online sites where you could reach professional vets for your consultation.

Note: Now that the vaccine is readily available and business, events, and travel are opening up, it’s to get out there. Here are some tips to help you travel with pets.

https://www.overlandsite.com/overlanding/how-to-travel-with-pets/

Pros and Cons of Virtual and Tele Vets

Advantages

  1. Less long car rides – Online vets can provide immediate action to your pet’s health situation during a video call without traveling miles away from your home, eliminating delayed care and emergency visits. 
  2. No long lines – Waiting for your pet’s turn in a crowded room could leave your pet stressed; through virtual vet, online consultation can be done while your pet is at its comfortable spot. 
  3. Reduces risk – As Covid19 continues to surge, pets and their parents could be at risk, but through the digital shift you have a lesser chance of being exposed to the virus, making you safe and healthy. 
  4. Easier access to prescriptions – Traditionally, pets needing diagnostic tests required a  scheduled vet visit. With the new normal era, telemedicine, where remote diagnostics and treatments can be performed and prescriptions can be given by a licensed veterinarian as long as Veterinarian-Client-Patient-Relationship (VCPR) has been established. This means that your chosen online vet consultant has examined your pet recently. 

Disadvantages

  1. Restricted use of five senses – A trained veterinarian uses his five basic senses to assess a pet’s situation. Depending on the pet’s case, the vet may have to smell the different parts of its body to determine where the problem is coming from. It may also have to listen to the pet’s heartbeat for any abnormalities in its breathing or rhythm.
  2. Incorrect information – It is normal for pet owners to panic if their pet is acting strange, and this may result in giving out wrong information to the vet. This leads to the vet prescribing an inappropriate course of treatment which could worsen the pet’s health.
  3. Licensing issues – Some countries prohibit veterinarian consultants from diagnosing and treating pets without face-to-face examination.

Top Online Veterinary Services

MyVirtualVetApp

MyVirtualVetApp has several veterinarians pet owners can choose from based on their needs. Scheduling video or chat appointments can be done through their iOS app or their website. After scheduling, a confirmation will be sent via your email which has the link you need to click in order to join the video conference or chat with the vet; however, if you are an app user, you may have the convenience to directly join the video call or chat from the app.

It is worth mentioning that the platform allows you to connect with your primary veterinarian, especially if the case of your pet requires prescription and diagnosis. 

Aside from medical advice and consultations, the virtual veterinary company has an online store for prescription refill and pet supplies. 

VetNow

VetNow is owned by a veterinary medical doctor who aims to provide pet parents a wide array of veterinarians and enhanced quality services that pets need. The platform offers virtual follow-ups, virtual preventive care, and urgent care provided that your vet’s clinic has teamed up with the company, but if your vet’s clinic has yet to join, you may have the option to refer it yourself.

Another advantage if the clinic is a VetNow partner is that your regular veterinarian can invite board-certified veterinary specialists including but not limited to oncologists, neurologists, cardiologists,  ophthalmologists, dermatologists and surgeons for consultations. This enables state-of-the-art solutions to complicated veterinary cases.

FirstVet

FirstVet offers free video calls with their vets given that you have bought an insurance policy from one of their pet insurance partners. The company caters to pets and parents from different countries particularly Sweden, Norway, Finland, Denmark, United Kingdom, and Germany. It has veterinarians and specialists who provide quick excellent advice and diagnosis and medication. 

Some of the medical problems vets from FirstVet can provide solutions with are vomiting and diarrhea, eye and ear problems, poisons, itching and skin problems, coughing and sneezing, fleas, tick and other parasites, injuries and accidents, behavioral problems, and rehabilitation and wellness for small animals.

Final Word

Routine care, diagnoses, treatments, and prescription refills for your furry family member don’t have to be difficult during this time of global health crisis. Through virtual veterinarians, who are just one call away, your pet can get the necessary help it needs in case of emergency cases or just purely routine care.

Virtual vet prevents you from panicking if you are by yourself and your pet is suddenly paralyzed or vomiting uncontrollably. Physical veterinary offices are without a doubt irreplaceable, but if you are miles away from the clinic or if the emergency situations happen in the middle of the night, virtual pet care can save a life.

Since “prevention is better than cure”, checking the three listed online veterinary services and deciding which service is the best for your pet could help you in the long run.

What to Buy Before Adopting a Dog

To have a successful dog-human relationship, adopting a dog needs plenty of planning and preparation.

The thought of having a new, lovable pooch, whether that’s an exercise buddy or just a cuddlebug is something to definitely be excited about, but it is important to remember that dogs are living beings similar to us humans. It goes without saying that they have basic needs that owners must be able to fulfill. 

Dogs suffer from stress and anxiety when they are in a new environment and when they are separated from their previous owners. To avoid such from happening, make your new dog comfortable being with you in its new home by providing the best comfort possible. Making specific decisions involves its supplies, safe and comfortable space, and health needs. 

Considering what to prepare for the arrival of your furry friend could be overwhelming as there is tons of information online, so here are the top 5 lists of dog necessities to make your new life together as fun as possible.

  1. The Basics
  • Collars – Choose different types of collars for different occasions: A rolled collar can keep your dog’s license, identification, and rabies tags; a breakaway collar is suitable during unsupervised times as they are designed to unsnap when pulled with force; a buckle collar is appropriate when taking your new best friend for a walk since it doesn’t unclasp easily allowing your pet to run-off.
  • Food Bowls and Water Bowls – Opt for stainless steel or ceramic dog dishes that have easy-wipe interior to make cleaning less of a hassle. The dishes should have the right size to ensure that the dog’s snout would fit in, and its tongue could reach the kibble.
  • Food – Buy dry and wet dog food as both provide the necessary nutrition your new pal needs; however, don’t mix them when feeding. Each has to be served at different times. 
  1. For Outside
  • Leash – There are different kinds of leashes to choose from. Standard leashes are for everyday use and are either made from nylon, leather, rope, or hemp. Retractable leashes allow you to adjust the length of the leash if you want your dog to wander while having the control. Adjustable leashes have rings along the leash and clasps at the opposite ends. Dog leashes with special features have flashlights and built-in water bottles and waste bag dispensers.
  • Poop bags – You may decide to buy biodegradable waste bags that are easy to decompose as plastic poop bags have a detrimental effect on the environment.
  • Travel carrier – Before making up your mind which among the three styles: standard hard-sided carriers, soft-sided carriers, wearable carriers should you purchase; It’s best to know your dog’s measurements to choose the carrier that would best fit your new pet.
  • Toys – To keep your pooch entertained while playing outside, here are some of the best outdoor dog toys: tether tug, kibble nibble, animal x-tire ball, dog sprinkler, skipping stones, throwing rings among others.
  1. For Health
  • Vet visit – Taking your dog to a veterinarian is necessary within a week of bringing the furry pal home. This ensures that it is in good health or if it needs any immediate health services. Some of the tests to be taken are the initial physical exam, deworming, stool sample, and shots. Don’t forget to ask your dog’s vet to educate you on how to properly take care of your new adopted friend.
  • Vaccinations – Dogs are prone to acquiring diseases while they’re playing outside with their pals, and it is worth mentioning that some diseases are highly transmittable from other animals. Since we would want our dog to live a happy life while ensuring its health as well as your loved ones, vaccines should be made a priority.
  • Pet insurance – Purchasing insurance for your pet is a great move as it acts as a financial security net that helps ease your burden and will allow you to have peace of mind while looking after your pet’s health and wellness. In case of emergency veterinary treatment, dog medical insurance would reimburse the veterinary cost when you file a claim to your pet insurance provider by the time the vet receipt is released. 

There are many vet insurance policies you can choose from; however, if you’re looking for an affordable option that’s innovative for being a community-based, crowdsharing product, Eusoh is an excellent option. Aside from the fact that Eusoh offers a price that’s not more than $65 for full coverage, it also covers wellness expenses and routine veterinary visits, unlike most traditional pet insurance companies who fail to include the cost into their policy plans.

  1. For Inside
  • Bed – Choose comfy beds that have cushioning and insulation features to keep your furry friend warm or you can buy heating pads. Here are some of the dog beds available in the market: standard dog beds, orthopedic dog beds, and covered dog beds.
  • Crate – Your dog’s height and length determine the right dog crate whether that’s a wire crate, plastic crate, soft-sided crate, or wooden crate. Consider the crate where your dog can stand up and stretch out without being cramped. 
  • Pee pads – Best pee pads are those that are thicker as they sure have multiple layers of absorbent material and doesn’t easily tear.
  • Gates – Depending on the type of your dog, you may opt to have a low freestanding gate or a tall freestanding gate. 
  • Toys – For your four-legged family member to be accustomed to its new environment, it needs a friend, and toys including balls, stuffed toys, puzzle toys, and treat-dispensing toys are a great help, especially during crate training. 
  1. Others
  • Training – Start training your newly adopted dog right away by focusing on the five basic commands to build rapport, but bear in mind that dog training requires patience, particularly if it’s still adjusting with its new home and family. Also, an adopted dog may lack socialization skills and may cause it to act aggressively when it’s around strangers. As you build the bond between you and the dog, focus on guiding your dog to get accustomed to strangers and other animals then plan on crate training and obedience class.
  • Microchipping – Protect your dogs from being lost or stolen through a computer chip that could be implanted under your pet’s skin through injection. This can be done in your vet’s clinic. The microchip that is used to track down a lost pet will last a lifetime. Make sure that your vet scans it every year making sure that it’s functioning well. 

Wrapping It Up

Adopting a dog involves greater responsibility similar to that of having a child. Failure to prepare all the necessary supplies before the arrival of your furry friend could leave you frazzled as well as your four-legged family member. It is vital to take into account that dogs are just like us, they can sense our emotions and well-being. So if an owner is stressed out, it may stress out the dog as well.

In an effort to give your newly adopted dog a warm welcome to your home, consider following our 5 top pieces of advice. As time goes by, you’ll get pleasure from seeing your dog grateful for receiving the affection from its newfound family.

5 Types of Insurance Millennials Need For 2020

Being prepared is the best way to avoid panic. Being ready for anything will help you to stay calm, sum up the situation quickly, and proceed with more efficient, capable action.”

Young generations such as Millennials and Gen Z’ers brush off the thought of having insurance for some reason. It’s either they seem themselves as being fit as a fiddle or their income is modest enough to pay for their bare essentials; Thus, they are understandably cautious and hesitant when the subject of saving and investing comes around. This is one of many reasons why there are young adults who are underinsured. 

Having insurance may seem like an unnecessary expenditure if you have debts to pay or you’re in perfect health. However, like the line from the movie, “Life is like a box of chocolates, you never know what you’re going to get.” It’s important to have some sort of insurance for the unexpected surprises life throws your way.

The most needed and most popular insurance products in the US

  1. Health Insurance

A doctor consultation in the United States can be quite expensive. For an initial consultation, the cost ranges from $100 – $200 while specialist consultation fee is at $250 minimum. What’s more is that the average hospital stay charge costs $10,700, which most low-income and middle-income people cannot afford to pay, especially if they lack funds for emergency purposes.

With health insurance, Millennials and Gen Z’ers need not worry too much about unexpected hospital costs as your chosen health insurance company pays a portion of your medical bills. Some of the essential health benefits included in health plans in the U.S. are emergency services, outpatient care, hospitalization, laboratory tests, maternity, and newborn care among others.

  1. Auto Insurance

Car accidents are one of the most common personal injury accidents in the U.S. which could result in rollover collisions, single-vehicle collisions, rear-end collisions, side-impact collisions, and side-swipe collisions. These losses for the crashes could make you financially responsible, and without auto insurance, the expenses would be thousands. 

Through car insurance, property damage and bodily injury claims are covered; it is important to note that car insurance price is significantly lower as compared to the huge amount of money millennials and Gen Zers have to shell out in case of a car accident.

  1. Pet Insurance

To provide the best health care for pets, veterinary practices have changed over time. With the advancement of technology, equipment and facilities have been upgraded to the most modern version; however, this comes with a higher veterinary fee. By buying a traditional pet insurance plan, you have the assurance that in times of costly emergency veterinary treatment, surgeries, routine care, and/or orthopedic services, there is an insurance company to help you save money. The average pet health insurance cost which does not offer complete coverage is from $40 to $70 while others charge $100.

If you are looking for the most affordable plan at nothing more than $65 with the most comprehensive pet protection service, go for Eusoh, a community health sharing plan similar to a pet insurance company that reimburses wellness expenses and routine veterinary visits. With the help of Eusoh, you do not have to stress yourself out on the veterinary cost; rather, you can focus more on your pet’s health and wellness.

  1. Renter’s Insurance

While the landlord’s policy covers the building structure such as the foundation, roof, fixtures, furnaces, and walls, the renter’s property inside the apartment unit is insured by renter’s insurance policy. In the event of natural disaster, fire, and theft, it goes without saying that the renter’s possessions are in a vulnerable situation. Buying new clothing, furniture, appliances, and electronics would be very expensive, especially for millennials and Gen Zers who are just starting out with their career. 

This is where renters insurance comes into the picture. The policy takes charge of the cost to repair or replace damaged or lost items. Tenant insurance also includes repairs for someone else’s damaged property as well as injured visitor’s medical bills if the renter is responsible for the harm incurred.

  1. Travel Insurance

Going on an international trip is truly beautiful as there are many striking places waiting to be explored not to mention the different cultures and lessons you will discover, but it comes at a cost. Foreign travelers are more vulnerable to thieves; accidents may happen; political turmoil and natural disasters are inevitable; trips may have to be canceled. 

Without the existence of travel insurance, dealing with an emergency situation would be expensive to handle. For millennials and Gen Zers, they may give it a second thought about whether to buy travel insurance, but doing so for global trips would give you peace of mind.

The Bottom Line

Purchasing insurance may seem to be a big investment for all generations, and the younger generations are not open to putting their money on a plan which does not yield immediate return, but long term planning should be the major goal of millennials and Gen Zers. 

Unfortunate events are inevitable but with the right insurance, worrying about major money troubles would be the last thing on your mind. Insurance reimburses claims through cash as a single payment or through monthly payouts; thus, insurance is known as a financial security net. 

Photo by Guilherme Stecanella on Unsplash

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.