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What do i think about Pet Insurance?

poundrdvet • Jul 21, 2014

hond_kat_petplan
I believe that for many people pet Insurance is one of the best things you can
do for your pet. Pet Insurance does buy peace of mind that when your pet
gets sick or injured (and lets face it, it is only a matter of time), you can afford
the best treatment. Unfortunately vets are often having to euthanise pets or
compromise on treatment due to financial constraints.
This is not good for the pet, the pet owner or the vet.
Veterinary Science has come a long way in the 25years i have been a vet.
Many veterinary practises, including ours, have all sorts of wonderful
instruments like ultrasound machines, digital radiology, endoscopes,
electrocardiograms and so on.
In addition, new treatments like chemotherapy and radioactive therapy for
cancer, immunotherapy for allergic animals and gene therapy to restore
damaged joints are now available. The problem is that all these wonderful
treatments cost money and some are extremely expensive.
A few things to keep in mind, most insurance companies won’t start a new
policy on pets over 8 years of age. This is because on average they loose
money on old pets. They will also not provide cover for pre-existing
conditions. For example, if your pet gets dermatitis once, and you then try to
get pet insurance, you will probably have an exclusion placed on your policy
for skin conditions. This is why i think the best time to get pet insurance is as
soon as possible.
I have never heard a client say that they regretted getting their pet insured. I
have heard several say that they wish they had. This article is not intended to
promote any particular insurance company, just the concept.
However, when looking for pet insurance, there are a couple of things i would
make sure of;
1. There is no dollar limit per disease over the term of the pets life. All
insurance companies have a yearly limit, but some have ceilings per
disease. This is important because many diseases like diabetes or
eczema may not be curable. If your insurance policy has a limit of say
$4000 per disease, this may be used up in a year or two. You will be left
high and dry for that condition.
2. Some companies can provide various levels of cover to suit your needs.
you could alter the level of cover according to the life stage of your pet.

3. If you are insuring a dog, make sure that both cruciate ligaments are
covered ie. if you make a claim on a ruptured cruciate ligament and your
dog later ruptures the other cruciate ligament (as often happens) you
need to make sure that the second one will be covered under your policy
also.
4. Diagnostics are covered ever when no definitive diagnosis is made.
If you would like a recommendation for a good pet insurance company,
please feel free to phone us on 9799 1479.

 

By Dr Philip McConachy BVSc

by poundrdvet 10 Feb, 2016
By Dr Philip McConachy BVSc
by poundrdvet 02 Jul, 2015
New Years Eve fireworks and the beat of loud music seems to be a common situation around this time of year. For many pets it is not all fun and games, although we as humans enjoy it, for our Fur-kids they can be quite distressed by it. Spontaneous loud bangs and explosions, and even unexpected noises can send some pets into a manic state and others will become trembling balls of fur. Here are a few tips to help your companion cope with fireworks and loud noises: Keep your pet securely contained for the entire night – a fence may not be enough to keep a determined, scared pet from escaping during fireworks or loud music. Scaling fences can also lead to serious injury for dogs. Ideally you should keep your pet inside, in a secure room, like the laundry where they can neither escape nor hurt themselves. It is important that you don’t tie up your dog at the collar, as in a moment of panic he or she could try to get away causing serious injury to his or her neck. Most Importantly, ensure your pet is completely identifiable with a microchip, collar ID tag and most importantly, ensure your contact details are up-to-date. If you have any questions around your pet’s identification the National Pet Register can be contacted 24/7 on 1300 734 738. This gives you and your pet the best chance of being reunited in the event they become lost. Keep your pet in a secure indoor area during fireworks and thunderstorms. A laundry or garage is good if you have an outdoor pet. Create a hideout for your pet in a quiet room with as few windows as possible. If this is not possible, using a crate as their safe spot/den is a fantastic idea. Cover any windows in this room to further block out noise and to block out flashes of lightening or fireworks, or covering the crate with a cover or blanket to create a dark safe spot. Create a bed from blankets for burrowing and put an unwashed tracksuit or a similar item of clothing in the room so they have your scent; or prepare your pet’s crate in a similar way. If you cannot be home with your fur-kids on New Years, a few pointers for preparing your fur-kids. A few days before the fireworks, take your pet into the room/crate and give it treats on the blankets so that it gets comfortable being in the room. If you are expecting fireworks, take your dog for a walk in the early afternoon to wear it out. this may help with the settling of your pet later that evening. Have food available such as kongs, bones, treatballs and long-lasting treats. Extended chewing will help calm dogs and the stimulation will distract them. Put on moderately loud music or a TV to muffle loud outside noises and to distract your pet. A small battery operated radio maybe a safe way to incorporate noise. Sometimes familiar ambient noise may help to calm your pet. Take your dog to the toilet before locking it up, or if you have a cat, remember to put kitty litter in the room. Beware: if you are leaving the pet unattended and it becomes anxious, it may behave erratically so ensure there are no dangerous items that the pet could chew on or knock. Cables and any breakables should be removed. Make sure your pet cannot escape. If medicating your pet, follow the dosage instructions exactly and medicate before anxiety sets in. Discuss your plans with your vet. Return home as quickly as possible to check on your pet and take it to the toilet after the noises have subsided, keeping it on a leash when you do in case it is still upset or becomes spooked. Do not punish your pet for any damage/bad behaviour on your return; being fearful is an emotional/instinctual response which an animal cannot control. Ask us for more information about progressive desensitisation, a process whereby dogs learn how to tolerate loud noise.
by poundrdvet 02 Jul, 2015
Will you join Pound Road Veterinary clinic in putting a stop to deadly heartworm by treating your dogs? Heartworm is a deadly worm that is unlike any other worms you may have heard of; it does not affect our pet’s tummies by living in them and is not passed on through their faeces. Did you know? Heartworm is in fact spread by mosquito’s, the mosquito will bite the dog and pass it onto the next unsuspecting dog by biting them too. This will inject the disease into your dog’s blood stream. Unless we work out a way to stop mosquito’s biting all together, which would be a dream come true for all of us especially in summer, we cannot stop potential exposure of this disease. Heartworm migrates from wherever on the body the host has bitten into the abdomen approximately 3 weeks later. It will move into the dog’s lungs and heart after approximately 3 months, where at this stage they are about 1-2 inches in size… disturbing we know!! Heartworm is potentially deadly, and in most cases almost impossible to treat. The female worm can increase in length by almost tenfold (up to 25cm). Understandably, should this be in your dogs heart, it can prevent your dogs heart from functioning properly causing heart failure. While surgical removal and supportive therapy may be possible at specialist institutions, this is rarely done and more likely the cause of heart failure may never be discovered… or at least not until it’s too late. The scariest part is… Heartworm IS present in Victoria; there have been recent studies that have shown heartworm is present in all states of Australia! In Victoria, a 2013 study discovered heartworm to be in 4% of foxes tested. Given that foxes are not the natural host of heartworm, the prevalence in non-protected dogs is likely to be even higher. Although it is more prevalent in tropical regions heartworm has been found in Victoria. While heartworm is very much dependant on temperature for its development, microclimates in urban environments such as car parks with warm cars or 24hour lights can provide favorable environments even in cooler periods of the year.
by poundrdvet 02 Jul, 2015
Bowel Obstructions By Dr Philip McConachy BVSc
by poundrdvet 07 Aug, 2014
Unfortunately dogs and cats cannot brush their own teeth like we do.
Cat Playing with Ball of String
by poundrdvet 07 Aug, 2014
Does your cat live indoors? Does your cat decide play time is at 3 or 4 am in the morning? Does your cat attack your ankles and hang off your hands when they play? Has your furniture been shred to pieces?
by poundrdvet 21 Jul, 2014
In the last blog, I discussed fussiness in pets.
by poundrdvet 21 Jul, 2014
Looking for a tiny kitten pedalling its soft paws on your chest with a storm of purrs to follow? This following article may be of help to you.
by poundrdvet 21 Jul, 2014
I’m often told by clients that their dog or cat will only eat this or that .
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