Archive for January 20th, 2008

Pet Health Insurance: Veterinary eye Concerns for Pet Dogs

Sunday, January 20th, 2008

Owners who are considering purchasing pet health insurance for their dogs should make sure that the eye health of their dogs covered by the insurance policy. Because many insurance companies will not insure the eyes of a dog whose breed is habitually diagnosed with chronic eye problems may want to consider purchasing their puppy from a CERF (Canine Eye Registration Foundation). Breeders who are recognized by the CERF have been publicly acknowledged as breeding puppies without known health problems. In some cases insurance companies might also require that the owners have genetic screening done on the puppies before they can be insured.

Glaucoma is a common eye condition that begins with very subtle symptoms such as dilated pupils that don’t respond well to light, and eye that appears to be red, poor vision, and corneas are often cloudy. One California-based veterinarian claims that because the initial symptoms of Glaucoma can be very subtle many California pet owners to not immediately bring their dogs and for an examination. If Glaucoma is not immediately seen by a veterinarian within 24 to 48 hours the increased pressure in the eyeball can lead to permit it cases of blindness. In severe cases of untreated Glaucoma veterinarians have been forced to remove the pet’s eye.

Any dog who has the developed an irritation in their eye that causes them to square to produce extra tears is called a “squinting dog”. Most cases of squinting is caused from a minor irritation such as an in turned eyelash or minor scratch to the cornea. However some cases of squinting dog has led to the early diagnosis of diseases such as cancer and Blastomyosis.

The Dermoidis is a benign corneal neoplasam. It is sometimes referred to as the third eyelid. Hair growing from the Dermoidis can irritate the dog’s eye which can cause discharge and occasionally cause an ulcer to appear on the eye.

Once you have seen a person or animal with cataracts you will always be able to diagnose them. The official definition of a cataract is opacity of the lens. When you look into an eye that has a cataract it looks as if a darkly tinted contact lens has been placed over the lens. If the cataracts become too thick the pet will go blind.

Shar Peis. Cocker Spaniels, Labradors, and Rottweilers are susceptible to eye condition called Entropion. Entropio, happens when an eyelid fold inward toward the eye and causes the eyelashes to brush against the cornea. The irritation of the eyelashes rubbing the cornea generally gives the eye a squinty drippy appearance. Bulldogs, Poodles, and Cocker Spaniels are often diagnosed with a condition called Cherry eye.

Dry eyes is the term used to describe the eyes of a dog that isn’t producing enough tears. Lhasa Apso, Pugs, and Shih Tzus are breeds that are particularly susceptible to dry eyes. Dog owners should bring their dogs to the veterinarian as soon as they notice any of the following conditions; squinting, tearing, pawing at the eye, cloudiness, bloody eyes, a blind eye (this can happen very abruptly), constantly dilated pupils, and swollen eyelids. Dog owners need to understand that early diagnosis is often the key to preventing further eye issues.

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A Comparison of Five Pet Health Insurance Plans

Sunday, January 20th, 2008


Pet Health Insurance For Cats & Dogs

It doesn’t matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.

At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.

An insurance plan through Pets Best Pet Insurance will cost approximately $32.00 a month ($384.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of $99,750 dollars per pet. Pets Best health insurance plans come with a $75.00 deductible. Multiple pet discounts are available. Pet’s Best pet health insurance does cover cancer.

Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.
ShelterCare is a pet insurance that cost pet’s owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.
A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.
PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.
None of the estimated monthly prices for these insurance companies include any extra insurances riders.

Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.

Remember to read the fine print before you sign up for a pet health insurance plan.
All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.

There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.

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