The Care We Share

Tag: pet health (page 1 of 1)

Pet Insurance: Who Really Needs It and Why?

Covering the needs and value of pet insurance.

Pets, just like humans, provide unconditional love, greatest care, and valuable companionship, and often times, they greatly contribute to the unexplainable happiness of their owners. As such, the majority of pet owners are already considering their pets as real members of their family, and with the strong bond that both have shared, there is no denying the owners want to give their pets the best care possible; however, giving the highest quality of care and treatment to your pets comes with a price.

Several trips to a veterinary clinic alone can already cost you money and worse, you may have to pay an even larger amount of bills in case your pet gets injured or gets an illness. But breaking the bank for routine pet care or for your pet’s medical bills is avoidable through the most affordable and most comprehensive pet insurance plans.

Why do I or rather, why does my pet need pet insurance? 

Unforeseen circumstances such as pet accidents, injuries, and illnesses are undeniably inevitable. Before these unfortunate situations happen, it is best to be prepared with a thorough pet insurance plan for the inevitable stack of costly medical bills.

But remember, pet insurance plans vary depending on the type of policy and coverage you choose. For instance, some pet insurance companies have separate policies and coverage for different types of illnesses and treatments your pet may incur. There are new alternatives to insurance like Eusoh, which has very comprehensive coverage. Their community covers accidents, illnesses, and even wellness at a reasonable price. Companies are now using newer technologies, like the sharing economy to drive down overall rates.

How much will pet insurance cost me per month?

By now, you are probably wondering if getting a pet insurance will be a burden to your pocketbook instead of being beneficial. Quite frankly, the cost of pet insurance varies depending on certain factors like age, breed, pre-existing conditions, and even location. For the most part, the average cost pet owners pay monthly for a healthy furry pal ranges from $40 to $70, and that does not include full coverage yet while some companies have pet insurance policies that cost more than $100. 

Here’s where Eusoh stands out from the rest. Eusoh’s unique model greatly helps the pet owner by 1. Providing the most comprehensive pet protection service. And 2. They guarantee their members will never spend more than $65 per month. Monthly rates are capped so you know costs will never get out of control. 

What exactly does pet insurance cover?

As mentioned in the first section, pet insurance serves as a helping hand in covering the veterinary bills of your pet. In case of emergency veterinary treatment,  you need not worry so much about the expenses because your pet insurance plan will reimburse you a high percentage of your costs. But again, you have to remember that medical costs of  veterinary procedures are either covered entirely or in part by your insurance company based on the type of plan you have for your pet.

Do I really get reimbursed for procedures and services I submit?

For most policies, when your pet needs immediate veterinary consultation or routine care, you will need to pay out of pocket first. As soon as you have the veterinary receipt, you can file a claim by submitting the receipt to your pet insurance providers, which will do the review and evaluation. When the claim is approved, you will receive reimbursement. 

However, as mentioned earlier, your plan and your insurance policy will be the basis whether the whole medical cost will be covered. Your coverage and reimbursement will be at the behest of the policy you agreed and signed up for. It is worth noting that some insurance companies only reimburse 60% to 80% of your pet’s total bills. 

New alternatives to pet insurance, like Eusoh, have the same procedures and same protocols as their traditional counterparts. There is even a submission process that can be done on desktop computers or mobile devices. But the differences end there. The funds that Eusoh members deposit when they open their account are only used to share expenses with the community. In order to use this platform is just a $17 a month subscription.

Pet insurance shouldn’t be difficult, but many companies make it that way. And this hurts pet owners’ pocketbooks. New alternatives are emerging that make true community sharing possible for an affordable price.

How to Prevent Dental Disease in Cats and Dogs

Our friends at Healthcare for Pets have an article on dental health for your pets. Taking care of our pets teeth can be an ordeal. But it is an ordeal we all must undertake. Over 85% of pets will deal with a dental issue. These issue are unseen and difficult to detect but with a trained eye, they can be dealt with. Here’s what you can do to avoid a huge dental bill. Original article: https://www.healthcareforpets.com/article/how-to-prevent-dental-disease-in-cats-and-dogs/ By: Dr. Clayton Greenway, B.Sc., DVM

happy purebred dog with opened mouth
Photo by Ryutaro Tsukata on Pexels.com

Dental disease is a common problem. It’s estimated that 85% of our pets have a significant degree of dental disease. Not many pet owners focus on this aspect of their pet’s health because it is largely unseen…we don’t often look in our pet’s mouth, particularly way at the back where dental disease in cats and dogs is more common. I’ve seen it advance to the point where it can have a severely negative impact on a pet’s quality of life and daily comfort. The mouth can end up being a source of infection that can spread to other sites in the body.

Small breed dogs and ‘brachycephalic breeds’ (the breeds with the ultra-short muzzles like Pugs, Bulldogs, and Pekingese) are particularly prone to poor dental health. Their mouths are small and their teeth don’t oppose each other well. This causes tartar on dogs teeth and cats teeth to accumulate easily. That tartar can then cause the gingiva or ‘gum’ to become inflamed, also known as gingivitis. This leads to periodontal disease, dog or cat tooth abscess, pain and the loss of teeth.  The same process will happen to any pet without sufficient dental care.

You can imagine how bad our teeth would be if we never brushed daily or refused to visit the dentist regularly. Our pets’ teeth are like ours: if they’re not taken care of, they’ll end up falling out just like ours would. With dental disease, an ounce of prevention is worth a pound of cure. There are a few things you can do to prevent tartar formation in your pet’s mouth. The two most effective things are brushing the teeth and a tartar diet.

Brushing is by far the best thing you can do. It sounds like a lot of work, but it is easily performed. Ask your veterinarian or the registered veterinary technicians at your local clinic to demonstrate brushing to you and give you tips on helping your pet gradually accept having their teeth brushed. It is important to only use an effective, enzymatic toothpaste when brushing. The best cat toothpaste and dog toothpaste are ones that carry the VOHC (Veterinary Oral Health Council) seal as they have been put through rigorous testing to confirm that they are effective. These kinds of VOHC approved toothpaste have enzymes that coat the teeth and prevent tartar accumulation and have antibacterial activity.

I don’t often recommend the other common items such as treats, chews, and solutions you add to the water. They may be supportive in the control of tartar and reducing bacteria in the mouth, but they are far less valuable than simple brushing and using dental diets. I am often amazed at our general thought that giving a pet a particular treat will clean canine and feline teeth—it’s a concept that seems to be well accepted amongst many pet owners. But I ask you, what treat do you eat to clean your teeth? If such a thing existed, we would be giving them to our kids and eating them ourselves on the way to work.

There are medical diets that are designed to scrape the plaque on dog’s teeth and cat’s teeth. Other medical diets contain products that mix with saliva to create an antibacterial effect in the mouth. I have worked as a veterinarian long enough to witness the effect dental care dog food and cat food diets have and they do have a profound impact. I would strongly caution pet owners to carefully evaluate these products— the packaging can make any claim without having to back it up. It’s important to speak to your veterinarian about these diets and confirm that it is one that is proven to work. Keep in mind that while a medical diet may be a little more expensive, it often is cheaper in the long run because it can help avoid expensive dental cleanings. I would also make a note here that I have seen some raw dietsand non-traditional or homemade diets work well at preventing tartar, but again, you would want to evaluate these choices for yourself.

While prevention is important, a dog or cat dental cleaning under a general anaesthetic is the only way to truly remove tartar from the teeth. I’ve known the occasional client that has bought a dental tool and scraped their pet’s teeth if they’re good enough to hold still, and in some cases, they can do a good job, but keep in mind that disease occurs under the dog and cat gums as well. Accessing these areas require anaesthesia. The previously mentioned strategies only reduce the progression of tartar development. Scaling and polishing the teeth under a general anaesthetic will remove all tartar and allow for a full evaluation of the integrity of the teeth. Visiting your veterinarian for an oral examination annually is key to monitoring the state of your pet’s mouth and keeping it healthy.