Pet Care Reviews

by Veterinary Pet Insurance (VPI)

According to a new study, a domestic pet can set you back around 31,000 pound during its lifetime. This will be majorly spent on veterinary bills, toys and food. What probably isnt included in this figure is the amount of torn up money that thousands of people claim on their insurance for after their pet has eaten its way through a healthy amount of their owners cash.

A staggering 32,418 claims were made last year for the replacement of 33.9 million worth of bank notes. Unfortunately, bank notes are just pieces of paper which have been given a price tag, and are prone to be in accidents. One of the most common reasons to claim was for bank notes which had been carelessly ripped or torn into pieces. After a tear has taken place, many outlets will refuse to take a badly put together bank note, which is being held together by cello tape. Another popular claim is for notes that have been contaminated, perhaps when notes had been hidden for safe keeping. It was found that many of these claims were due to people keeping money under floorboards, or hidden in the garden, both of which makes the cash subject to damp, causing the notes to decompose. Washing money in a washing machine is also a popular cause for a claim, as is staining the notes with ink.

Even though the number of claims has decreased by 5% in the past two years, the number of claims related to pets has risen. People are forever leaving their purse or wallet in a place which is easily accessible to dogs, cats and even hamsters, resulting in these feisty pets munching their way through countless banknotes. Pet owners have been urged to keep their money in a safe place away from their pets, and away from places where money is likely to get damages, for example, anywhere which is damp or subject to high levels of heat.

As well as insuring your money, make sure you buy some quality, but cheap pet insurance. Compare pet insurance using an online comparison tool to get the best pet insurance plans for your pets. Veterinary bills can cost you a fortune at unexpected times, so being prepared for your animal is very important.

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by Veterinary Pet Insurance (VPI)

Anyone with a pet dog is likely to consider whether it is a good idea to have dog insurance cover in place. The most obvious thing they are probably thinking about when looking for a policy is protection against large veterinary fees and charges. Pet insurance normally provides cover for a lot more things that this though, and one of the most important is third party liability protection.

Third party liability insurance cover is all about protecting you against claims in the event that your pet is involved in an accident or incident which results in causing damage to property or personal injury to another person. The term third party’ in this situation just means anyone other than you and your pet. This should not be thought of as something that you only need if you have a particularly naughty dog. You just cannot tell what circumstances might arise where the result is damage to property or personal injury.

There are sadly many instances of dogs running into roads and causing accidents. As well as the trauma of your own pet’s injuries or death, you may be liable for damage caused to vehicles. There may be more than one vehicle involved and people may have been injured too. You can easily see how claims from a single such incident can quickly mount up to very substantial amount of money.

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If your pet is injured there are of course the vets fees associated with that treatment and care to be considered too, though these should come under a separate section of your insurance. Because incidents like this can so easily lead to very large claims and legal costs, the limit of cover provided for dog insurance liability in the UK tends to be for at least one million pounds and is often double that.

The more obvious examples of times when this type of cover will be needed are if your dog were to bite someone. This is an subject that relates to wider issues than simply the type of insurance cover you choose to put in place. The UK’s Dangerous Dog Act of 1991 means you are committing a criminal offence if you allow your dog to be what is defined as dangerously out of control’. This applies to any public area and even to private areas if your dog is not meant to be there.

If your dog is deemed to be out of control you can be fined up to 2,000 even if it does not injure anyone. All that is required for you to be prosecuted is that the dog is thought to be out of control in such a way that it will harm someone. If the dog actually does harm someone then you could have an unlimited fine or be sentenced to up to two years in prison (or both!).

Most dog insurance policies will already include an element of liability cover, but with some it will be optional. The amount of cover you require can obviously vary too. It is less usual to take out cover for only the liability element, but this is possible with a few companies. As with any type of insurance, you should pay attention to the amount of any excess when looking at the level of cover you get and the cost of premiums.

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by Veterinary Pet Insurance (VPI)

The number of pet insurance companies out there is growing rapidly. When choosing the best pet insurance coverage for you and your pet, reading the pet insurance policy is crucial. Each pet insurance policy may vary, especially when covering hereditary and congenital disorders. Doing your homework and understanding each pet insurance policy will lessen the chances of being surprised with a claim denial later on.

Good pet health is extremely important to all pet owners. Pet health problems are either hereditary, congenital, or acquired through other conditions such as injuries. There are a variety of hereditary disorders that range from heart, eye, and blood diseases, endocrine, respiratory, and musculoskeletal disorders. These disorders usually vary but are prevalent in a number of breeds, and can seriously affect your pets health. Many pet insurance companies cover them partially, none at all, or entirely. It is important when shopping for pet insurance to read and understand these limitations before signing the dotted line.

Congenital disorders are present at birth; however they may not show signs until later on. During a pets development, something occurs and the abnormality is expressed. Some congenital disorders may vary in severity such as epilepsy and zinc responsive dermatosis. They may occur as a result of exposure to toxins or are indicators of other underlying diseases. Often, it may be difficult to tell the difference between the two. Congenital problems may arise due to genetic abnormalities, but in some cases, these genetic defects are hereditary.

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Do pet insurance policies cover congenital and hereditary disorders?
This option varies from each pet insurance company. Some pet insurance companies do not cover both, some require additional coverage and increased premiums, some severely limit the maximum payout, and some may even cover them both entirely.

It is important to compare pet insurance policies and determine if your pets breed is more prone to one of these disorders. Ultimately, it is a safe bet to have pet insurance coverage for these disorders because they may be prevalent in your dog breed. Better be safe than sorry. Some pet insurance companies cover all diagnostic tests, surgeries, and medications for hereditary and congenital disorders.

Several pet insurance companies who do not fully cover these disorders may have an option for additional coverage. Hip dysplasia is one disorder that some pet insurance companies can cover. Trupanion pet insurance covers hip dysplasia for a small additional cost. It is very expensive to treat and it is important to look into a pet insurance company that will provide you some coverage for it, before it happens.

While some pet insurance providers cover hereditary conditions under circumstances, others may exclude them. It is important to research each pet insurance companys policies so you know. Ultimately, all pet insurance companies exclude pre-existing conditions in their pet insurance policies. Since congenital disorders occur before birth, by definition, that is pre-existing. The pet insurance companies who do cover congenital disorders take into account that they may not be expressed until later on in the pets life. If you were to get pet insurance with congenital and hereditary coverage, and the pet later developed one of those disorders, it would greatly benefit the pet insurance owner by decreasing those costly medical bills.

It is important to consider these options when purchasing pet insurance. Many pet insurance providers advertise that they cover hereditary disorders; however they only cover a certain dollar amount leaving you with the remainder. Although some pet insurance companies advertise coverage, make sure to read the fine print in the pet insurance policy before you purchase. Pet insurance offers pet owners a peace of mind and a method for budgeting those unexpected pet medical needs. It is unfortunate when your pet becomes ill, but having pet insurance will help decrease the costs of vet care. Understanding pet insurance coverage options and what you are entitled to pay is crucial. Keep this information in mind when shopping for pet insurance because you would not want to have this as a reason for getting a pet insurance claim denied.

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by Nemo’s great uncle

helpucover.co.uk, a leading independent provider of Lifetime Pet insurance is calling for pet owners to protect their four – legged friends as November 5th approaches.
It’s estimated that 45 per cent of dogs in the UK, (more than three million) are likely to demonstrate fearful behaviour when they hear fireworks.*
Dr Eric Jackson, Veterinary Adviser to helpucover.co.uk says “During the course of my thirty year career I have seen or heard of too many pets injured as a result of fireworks, simply because owners fail to keep their pets confined to the home. You can tell an animal is stressed if it dashes about from place to place, panting and shaking. This is when accidents can happen. Pets are most likely to injure themselves, run away or cause an accident to someone else.”
More than 6.2% of the claims received by helpucover.co.uk throughout 2009 were for dogs having accidents and with an average cost to treat of 335.89 in these tough times it takes a large bite out of your family budget.

Many pet owners also do not realise that if their dog injures someone or causes an accident, they could be sued for damages as their dogs are considered their property which they are required by law to keep under control. With more than 100 victims of dog bites admitted to hospital each week last year, an increase of 66% compared to the period 1998-1999 it’s a risk most people cannot afford to ignore.

Bonfire night is a time for families but if an animal does bite, it is children that are most at risk. 1,250 children were bitten last year alone including many babies and toddlers and the risk of dog bites is highest in boys aged five to nine years old

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Dr Jackson for helpucover.co.uk continues “Pet owners need to ensure their four-legged friends are safeguarded for the evening and also adequately insured in case of injury or if they get lost, and to protect against any damage or harm caused by their pet. A frightened dog can bite or behave unpredictably. It can be overwhelmed by the noise and excitement, particularly in a house full of people and children.”
Top tips recommended by helpucover to reduce pet stress on November 5th:-

- Provide a ‘den’ area, in the middle of the house, sound proofed as much as possible, which enables the pet to pack itself into as tight a spot as possible
- Fasten all doors and windows and draw the curtains to keep your pets as safe as possible during fireworks.
- Ignore your cat or dog if they try to hide, trying to tempt them out could cause more stress.
- Pets have sensitive ears, so play music or switch on the television to drown out as much noise from fireworks as possible.
- Make sure your dog or cat has a collar or tag, in case they run away.
- Exercise your dog well during the day to ensure it is tired and ready to sleep in the evening.
- Small pets living outside must also not be forgotten – rabbits and guinea pigs can become very stressed by loud noises. Bring them indoors or into the garden shed.
helpucover.co.uk want to hear from all pet owners with their tips for helping pets cope with the stress of fireworks and loud noises. Please visit www.helpucover.co.uk/petstress and send in your stories and a picture of your pet. All responses will automatically be entered into a prize draw to win a year’s supply of pet food!

A helpucover pet policy provides all the cover you need on Bonfire Night. All helpucover.co.uk dog insurance policies include third party liability cover and legal costs. For as little as 14.77 per month, helpucover.co.uk will pay out up to one million pounds in damages if your dog injures another person or causes an accident. Dog owners should check that their pet insurance policies include this feature. It will also pay up to 6,000 for injuries to the insured pet and 500 to help you find your pet if it runs away or gets lost, as, sadly, happens to many dogs on firework night.

Dog injury facts:
- 107,030 incidents of injuries involving dogs in the UK during 2009
- More than 100 victims of dog bites were admitted to hospital each week last year, an increase of 66% compared to the period 1998-1999
- 5,221 people were treated in England last year for injuries received in attacks by dogs compared with 3,137 ten years ago 1,250 were child victims including many babies and toddlers
- These incidences were responsible for 4,699 episodes of admitted patient care, accounting for 9,808 occupied bed days
- The risk of dog bites is highest in boys aged five to nine years old

ENDS

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by Veterinary Pet Insurance (VPI)

For many individuals their pets are family members and they are able to do whatever they can to make sure that they are well supplied for. This includes feeding them, cleaning them, giving them love, and also caring for them when they are sick. They are susceptible to diseases and problems and the older they become the worse it may be.

When trying to handle these different conditions the medical bills will begin to stack up and if we are not careful we will either push ourselves into debt or cannot help them out at all. One of the better things you can do to fend off these troubles is to have pet medical insurance.

This is particularly made for them to handle emergency accidents, surgeries, exams, prescription medication, and other types of treatments. Counting on the kind of plan that you buy it might also include acupuncture, injections, ophthalmologists, dermatologists, and holistic care.

You should make sure that you have the ability to acquire the correct kind of coverage and plan that is able to cover anything that might come about at a price that you can afford. You will need to shop round at the distinct companies that provide them and acquire quotes from them.

If you have a dog then you should search for unique dog insurance that will extend any problems and vaccines they need. This is contrasting from insurance for cats because they are different and ofttimes experience different types of problems.

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