To Be or Not to Be…

should I get insurance for my pet?To be or not to be…

 

Insured! That is the question.  It’s not a new idea. It is however only recently gaining popularity in the United States.  Many pet owners wonder whether or not to sign up for pet insurance.  We ask ourselves to weigh the pros and cons of paying a monthly premium against paying the full cost of wellness visits, pet insurancesvaccinations, monthly heartworm and flea and tick prevention, and also the possibility of unforeseen illness/injury.  In the end, we have a throbbing headache, and are even more confused than ever.  How does one decide?

Veterinary medicine is one of the few health care professions not financially based on insurance.  The pet owners are always responsible for the veterinary costs incurred at the time of visit.  The pet insurance company will then reimburse the pet owner with a portion of the costs sustained.   Proof of visit (your bill), and diagnosis is insurance pet insuranceusually required, and then depending on the plan you have chosen, the visit may … or may not be covered.  Like human insurance … there are annual or monthly premiums, and you may have a deductible depending on the level of coverage you have chosen.  The various plans available can be based on the following, or any combination thereof : species, age, pre-existing conditions, congenital disorders and in some cases, lifestyle of the pet (i.e. indoor vs. outdoor cat).   Some packages are comprehensive, including such things as annual checkups and pet and insurancevaccinations, preventive medications (like Heartworm preventive) and spay/neuter surgeries.  If this is a type of plan you are interested in, insuring your pet as early as 6-8 weeks old is highly recommended.  Other plans cover only accident and illness. Most plans offer immediate coverage for accident claims, and 30 days for illness claims on new policies. Additional pets are usually covered at a reduced rate after the first policy-holding pet. Insurance policies (in most cases) start as early as 6-8 weeks of age, and again most do have an age limit.  Until recently, the availability of certain plans has also been limited in the past depending on your location, and policy petcarerestrictions are prohibitive in most cases.

The bottom line is … how will your pets’ life’s journey affect your bottom line?  What are your needs as a pet owner?  Do you need help paying for routine care?  Do you need insurance against the unexpected?  We urge you to do your homework.  If you do end up choosing to buy pet health insurance, make sure it fits not only the needs of your pet, but your own needs as well.


References:
Should you buy pet insurance?
Health Insurance & Wellness Plans for Animals
Trupanion Pet Insurance vs. The Competition
The Latest In Pet Insurance

Updated:New Website Success, Email Fail

UPDATED: Email is back! We will respond to your emails shortly, please be patient while we switch to the new system.

While we’re very excited to launch our new website, we encountered some trouble with email along the way.  We sincerely apologize for the inconvenience and are working hard to get our email up and running as soon as possible.

In the meantime, use the comment section below to tell us what you think about our new website!  Is there something you liked about the old website that’s missing now?  Do you think it’s an improvement?  Let us know!

While our email is down, please feel free to call us during business hours at 781-646-0758.  In off hours, don’t forget about our emergency resources!

Swimming Dogs and Ear Infections

The Commonwealth of Massachusetts has asked us for assistance in an important public health surveillance effort. It is important that we bring to your attention the possible dangers lurking below the cool, calm waters that our pets love to swim in during this hot summer season.  Of course, our pets do need to cool off from time to time with a wild romp in the refreshing rivers, lakes and streams of New England, but there may be important safety concerns to take into consideration before allowing your pet to scamper on.  The Bureau of Environmental Health is very concerned about the water quality and the potential consequences that may result from swimming in and ingesting contaminated water.

Ear infections, also known as swimmer’s ear, are one of the more common complications that arises from allowing our animals to swim. Bacterial contamination in water that sits in the ear canal after swimming causes irritation to the tightly folded skin in the external ear canal.  Then the bacterial invasion begins, causing pain and swelling until treatment is administered.

Giardia is a tiny little one-celled parasitic protozoan that can cause some serious illness.  It has a very quick onset and the Giardia cysts (eggs) are found in feces and water sources contaminated with the feces of infected animals.  Once ingested by the dog, the cysts open and discharge the adult form of the protozoan, a pear-shaped critter with whip-like flagella (tail) that propel it through the intestine. Even if the animal is healthy they will continue to multiply and can cause debilitating disease unless the animal is treated.  Giardia can interfere with the absorption of food and produce feces that are soft, light-colored, and greasy, or even liquid diarrhea.  Mucus discharge on stool may also indicate that the large intestine is irritated.  If you suspect that your animal has come in contact with a contaminated water source and may have Giardia, you should inform your veterinarian and submit a fecal sample to be tesed for the protozoan.

Leptospirosis is a bacterial disease that is also caused by exposure to water contaminated with the urine of infected animals.  Many different kinds of animals carry the bacterium. They may become sick but sometimes have no symptoms, making the disease particularly hard to track.  Symptoms of leptospirosis include high fever, severe headache, shaking, muscle aches, and vomiting, and may include jaundice (yellow skin and eyes), red eyes, abdominal pain, diarrhea, or a rash.  If the disease is not treated the patient could develop kidney damage, meningitis (inflammation of the membrane around the brain and spinal cord), liver failure, and respiratory distress. In rare cases death occurs.  If you suspect that your animal has come into contact with water contaminated with Leptospirum bacterium, contact your veterinarian immediately as laboratory testing can be done to confirm infection.

In 2008 the Massachusetts Department of Public Health (MDPH) began addressing health concerns associated with harmful algae blooms (HABs) commonly known as “blue-green algae”.  For pet and animal exposure purposes the concern is regarding exposure to freshwater HABs, which can occur through direct contact of body parts to water containing algae, swallowing water containing algae, or even inhaling water droplets containing algae.  The algae produce toxins that affect the animal’s internal organs and, depending on the concentration of algae in the dog’s stomach, there have even been fatalities reported.  Dogs, in particular, have been known to eat the algae scum that washes ashore.  Symptoms include skin and eye irritation, diarrhea, vomiting, weakness, salivation, staggering, difficulty breathing, convulsions and in rare cases death.

All of the above mentioned ailments are just as dangerous to humans
as they are to our pets.

They are called zoonotic pathogens, meaning they affect multiple species of animals … yes … humans are animals too!  If diagnosed, the instances of Leptospirosis and Blue Green Algae Toxicity in particular are required to be reported to the Center for Disease Control (CDC).

The purpose of this article is not to discourage swimming but rather to encourage safe summer fun.  Make sure to check out the local watering hole and just remember to be careful.


Giardia in Dogs by Maggie Fisher, BVetMed, MRCVS; at Vet On-Line, (http://www.priory.com/vet.htm) a service of Priory Lodge Education Limited.

Blue Green Algae Toxicity in Dogs Initial Author: Kelly
Recent Contributors: Debbie Vasen http://dogs.lovetoknow.com/wiki/Blue_Green_Algae_Toxicity_in_Dogs

MA Department of Public Health Bureau of Environmental Health http://www.mass.gov/dph/environmental_health

 

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