Why Pet Insurance is Important
When you pick out a pet, you know you need to provide essential needs. You understand that your pet will have many of the same needs that other members of the family do. You look for healthy pet food, keep the water bowl clean, and make a commitment to train, exercise, and play with your new friend. In many ways, your pet becomes a member of your family.
When you pick out a pet, you know you need to provide essential needs. You understand that your pet will have many of the same needs that other members of the family do. You look for healthy pet food, keep the water bowl clean, and make a commitment to train, exercise, and play with your new friend. In many ways, your pet becomes a member of your family.
But are you prepared for high medical expenses if your pet is sick or injured? You probably provide health insurance for your spouse and children. But many pet owners are astounded by the price of medical care for pets. Even routine car is expensive, but if your pet needs more critical medical care, the price can run up into the hundreds or thousands of dollars. Well meaning pet owners, who have a sick or injured pet, do not always have the money to cover treatment. So an unexpected illness or injury can become a heartbreaking situation that can affect your family for years.
Pet insurance is an affordable way to make sure your pet get the best possible medical care, and it is very easy to obtain an insurance quote online. You make a monthly or annual payment, and know that you will be able to afford routine medical care and major medical services. Pet insurance rates are usually very inexpensive, so this is an affordable way to protect your family and pet from a heartbreaking experience.
A common pet insurance plan will cover any licensed veterinary office in the US. Participating vets may be included, and these vets will offer to process the insurance claims so you only have to pay for the deductible and copay at treatment time. So you can choose any pet medical provider, but may choose to use the participating offices because they make payment easier for you by handling the claims processing. Some pet insurance rates plans may only allow you to use participating vets, or they may give you incentives, like lower copays and deductibles, if you use their network of pet medical providers. So before you purchase a plan, make sure you understand how the coverage works with the veterinarian you choose. It is especially important to understand how your pet insurance works in case of an emergency, because you will not have time to read through your policy when you need to seek treatment right away.
You can find different levels of coverage, depending upon your own pet’s age and breed, and of course, your own budget. Some plans cover routine checkups, up to a specified dollar limit. Then they provide medical treatment for accidents or injuries with a set deductible, and they may also have a maximum coverage limit per incident. For instance, if your dog breaks her leg, you may have to pay a $100 deductible, and then a percentage of the bill for a copay.
Let me give you an example of pet insurance coverage to make it easier to understand. This was a very affordable policy, and it helped reduce the bill by hundreds of dollars. A young dog broke his front femur. The owner needed to pay for an emergency visit, follow up surgery, and a boarding fee while the dog recovered. The whole bill came out to about $2,000. But the $150 boarding fee was covered under the insurance policy. The policy paid 100% of the medical bill with the exception of a $100 deductible. So the owner only needed to write a $100 check, while the insurance company paid a claim for $1900!
No different policies will have different coverage levels, deductibles, and copays, so it is important for you to compare plans. Balance out the coverage with the amount you can afford to pay every month for your policy. Again, it is very simple to compare insurance quotes and plans online.
5 Easy Tips for Identifying Dog Skin Problems
Itchy skin, hair loss, constant scratching, ear and anal gland problems are the most common indicators of a dog skin problem.
Itchy skin, hair loss, constant scratching, ear and anal gland problems are the most common indicators of a dog skin problem. Although there are many canine skin disorders, the 5 following tips will help to identify some of the more common dog skin problems:
1. Fleas: The best way to identify a flea problem is to check your pets belly area and along the inside of the back legs. The hair is thinner in this area and easier to spot both fleas and flea dirt. The flea itself is brown or copper colored and roughly the size of a pin-head. Flea dirt looks like sprinkled pepper. Ruffling the fur on your dog’s back and along the base of the tail is also an easy way to find fleas and flea droppings. Often times dogs that develop Flea Allergy Dermatitis will show hair loss around the base (top) of the tail. There are many options available for flea and tick control.
2. Food Allergy Dermatitis: Although food allergies can appear in pups as early on as 5 or 6 months, they can also develop in adult dogs as late as 11 or 12 years old. Common symptoms of food allergy dermatitis are itching of the skin, excessive scratching, hot spots and even skin infections. Dog owners should realize that there is a distinct difference between Food Allergies and Food Intolerance. Like people, classic symptoms of a food intolerance would be an upset stomach and diarrhea. All foods do not agree with all dogs. Pink Bismuth is a safe remedy for stomach upset and diarrhea in dogs. Food allergies require slowly eliminating foods and changing the diet.
3. Atopic Dermatitis: Atopic Dermatitis is a condition best described as environmental allergens. Dogs that suffer with airborne allergies will often rub their face along the side of a sofa or along the carpet. As with food allergies, dogs will also chew their feet. With Atopic Dermatitis, it’s common for dogs to develop ear infections due to a yeast overgrowth. Pollen, trees, grass, dust and wool fabric are just a few common airborne allergens that some dogs are sensitive to.
4. Acral Lick Dermatitis (Lick Granuloma): This raised lesion will be red, hairless and is usually found on the leg of the dog. This neurological condition is self-induced due to continuous licking. Possible causes include anxiety, boredom and stress. Treatment will include identifying the source of the problem (anxiety, etc.), restricting licking of the area and often times medication for behavioral modification.
5. Hot Spots: Medically referred to as Acute Moist Dermatitis, these round lesions generally appear in warmer weather. Along the hip, the sides of the chest and around the head area are the most common locations for hot spots. These moist and hairless inflammations are painful causing the dog to fixate on the particular spot by licking, chewing and scratching at it. Continuous licking in one area is a large factor in the development of hot spots. These lesions can quickly become very large in size. The location of the hot spot will help determine what the underlying problem could be an; anal gland problem, ear problem or a flea problem. A Veterinarian will clip the hair around the spot, clean it with a medicated solution, prescribe antibiotics and pain medicine.
Visit us here for more information on dog skin problems: http://www.old-dog-treats-and-rawhide.com
Dog Food And Reoccurring Skin Problems: http://www.old-dog-treats-and-rawhide.com
What You Need to Know About Dog and Cat Nutrition
Food is the foundation of health. How long an animal lives and, most important, the quality of its life, depend greatly on the quality and quantity of the food that it eats. Simply put, food is body-fuel, and provides the energy needed for an animal to maintain good health and condition.
by Kymythy R. Schultze
Food is the foundation of health. How long an animal lives and, most important, the quality of its life, depend greatly on the quality and quantity of the food that it eats. Simply put, food is body-fuel, and provides the energy needed for an animal to maintain good health and condition. With regard to nourishment, quantity is not necessarily synonymous with quality. It is very possible for an animal to receive adequate quantities of food and yet still suffer degradation of health due to poor quality ingredients.
As a descendant of the wild wolf and, in fact, basically still the same species as Canis lupus, the domestic dog retains similar nutritional requirements. The same is true for the domestic cat, a member of the Felidae that includes lions, lynx, and other wild felines. Dietary sources of amino acids, energy, glucose precursors, fatty acids, vitamins, minerals, and water are required by the dog and cat to live. The most suitable sources of these nutrients are those that most closely fit the evolutionary design of the animal’s physiology. Species-appropriate sources of food help ensure optimum nutrient availability and utilization.
Protein
Dietary protein supplies essential amino acids and is needed for the manufacture of antibodies, enzymes, hormones, tissues, and proper pH balance. Protein provides energy and is essential for growth and development. Complete proteins contain ample amounts of essential amino acids and are found in foods such as meat, fish, eggs, and poultry. Incomplete proteins are found in many foods, including legumes, grains, and vegetables. Incomplete proteins must be combined with other protein sources to provide an adequate amino acid profile. But even in combination, animal sources provide a more species-appropriate array of amino acids than plant sources for the dog and cat. Protein requirements may vary per individual due to a variety of factors including their physiological state, breed, age, and the digestibility of the protein source being fed. Amino acids are altered by heat, which may reduce bioavailability.
Fat
Dietary fat is the most concentrated source of energy for the dog and cat. It also provides essential fatty acids and aids in nutrient utilization and transportation. Fat is involved in cell integrity and metabolic regulation. Saturated fat is found primarily in animal sources while polyunsaturated fat is found mostly in plant sources. Saturated fat provides greater energy for dogs and cats than carbohydrates. In fact, as long as the diet provides sufficient glucose precursors (amino acids, fats, etc.); dietary carbohydrates are not needed for growth and maintenance.
Fats (and oils) are composed of fatty acids, sometimes referred to as vitamin F. Fatty acids are found in both animal and plant sources. The two most familiar categories of essential fatty acids (EFAs) are omega-3 and omega-6. Omega-3s include alpha-linolenic (ALA), eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA). Omega-6s include linoleic acid (LA) and gamma-linolenic acids (GLA). Trans-fatty acids, dangerous free radicals, are formed when unsaturated oils are exposed to heat, light, or oxygen.
Vitamins
Vitamins are essential for metabolism regulation, normal growth and function. Vitamins are found in food and some are synthesized in the animal’s body. They are classified as either water- or fat-soluble. Fat-soluble vitamins include A, D, E, and K. Water-soluble vitamins include C, and the B-complex. Generally, fat-soluble vitamins are stored in the body, while water-soluble vitamins pass through more quickly. Many vitamins are destroyed by heat, light, and oxygen.
Minerals
Minerals are essential to the dog and cat, and are involved in almost all physiological reactions. They contribute to enzyme formation, pH balance, nutrient utilization, oxygen transportation, and are stored in bone and muscle tissue. Biological availability may vary widely depending on the source of the mineral. Elemental minerals are generally taken from the earth or water. Chelated minerals are bound with other organic substances making them often easier for the body to absorb. Minerals include calcium, chloride, chromium, cobalt, copper, fluorine, iodine, iron, magnesium, manganese, molybdenum, phosphorus, potassium, selenium, silicon, sodium, sulfur, and zinc. There are other mineral elements required by dogs and cats at trace concentrations. Many minerals may be lost in heat-processing. Minerals, like vitamins, work synergistically. They have a cooperative action between them.
Water
Water is an essential nutrient and is vital to every cell in the animal’s body. An adult’s body is approximately 60 percent water, with the percentage even higher in the puppy or kitten. Water transports nutrients and waste in and out of the cells. It is necessary for temperature regulation, digestion, circulation, nutrient absorption and utilization. Water loss occurs mostly through urine, feces, lungs, skin, and the milk of a lactating female. In addition to drinking water, the dog or cat may obtain water from its food, depending on the type of food and its moisture content. Good quality water is as equally important to health as good quality food.
Raw vs. Cooked Food
Today, the dog and cat caregiver has many feeding options. Choices include mass-produced commercially-formulated diets and home-prepared diets, either raw or cooked. For most of our evolutionary history with dogs and cats (at least 14,000 years or more for dogs and at least 3,000 years for cats) guardians have formulated diets in the home and/or shared their own food with them. More recently, pet food manufacturers have produced products ready-made in dry, canned, and semi-moist form which some people find extremely convenient to use.
But, as the famous nutritionist Dr. Bernard Jensen once said “There is no right way to do the wrong thing.” Convenience, nor price, of commercial diets does not necessarily insure that they will provide species-appropriate nutrients in forms that our animals can best utilize for good health. One must consider that dogs and cats have thrived in good health on real, raw food for many thousands of years. Only recently have we fed them foreign commercial food products and, with the increase in animal illness, we must in good conscience and logical reason, consider the correlation. It is recommended that much research be done to determine which type of diet is correct for each individual animal.
Special Life Stages
Puppies and Kittens
Newborn pups and kittens should be encouraged to nurse soon after they are born to receive their mother’s colostrum. Colostrum, rich in protein, is the first fluid secreted by the mammary glands and contains important immune and growth factors. If the young must be hand-reared, supplemental colostrum may be purchased and added to formula. There are many formulas and recipes for feeding orphans.
Commercial formulas are available or one may choose to follow a homemade version such as the following one by Dr. Richard Pitcairn, D.V.M., and PH.D.:1 cup half-and-half, 2 large eggs, 1 tablespoon protein powder, ¾ teaspoon bone meal, and 1-2 days worth of dog vitamin/mineral supplement. Some breeders use supplemented goat’s milk. Generally, cow’s milk is not recommended. All formula should be given at body temperature and fed via bottle or stomach tube. Amount depends on age and size of the animal. After each feeding it is important to gently massage the young’s belly, genital and anal area with a warm moistened cloth to stimulate urination and defecation. Newborns need to be fed approximately every 2 hours.
Weaning
Ideally, puppies and kittens should be allowed to nurse until their mother chooses to wean them. Orphans can usually start the weaning process at about 3 weeks of age. The new food should be made soft and easy for them to lap, but not so mushy that it is inhaled through the nostrils. Weanlings can be fed 4 times a day until they are 2 months old, then 3 times daily until 4 to 6 months old, then 2 times daily until 1 year, either staying on twice daily feedings or reducing to once daily. Growing youngster may eat nearly double the amount of food as an adult, proportionately. But, it is important not to over-feed growing puppies and kittens as it places unwanted stress and weight on growing bodies.
Pregnancy and Lactation
Obviously, it is extremely important that a female receive excellent nutrition during the time that she is developing and nourishing her young. Actually, she needs proper nutrition before pregnancy, to help facilitate normal fertility. During the latter half of pregnancy, the female will need her food divided into smaller, more frequent meals as her stomach begins to compete for the space occupied by her rapidly growing young.
The amount of increase in her food intake will depend greatly on the type of food being fed. The greater the nutrient value, the less she will need to increase the volume of it. As her due date draws near, many females will experience a decrease in appetite. A female in good health and condition should be able to deliver and care for her young quite easily.
During labor, many females choose to consume the placentas, which are a rich source of nutrients and hormones. And since many new mothers are reluctant to eat their regular food immediately after delivery, eating the placentas may provide her with a readily available and desirable source of nutrition.
Lactation greatly increases the nutritional needs of the female. As the pups and kittens grow, so do their nutritional demands for mother’s milk. She should be fed multiple daily meals of nutrient-rich food. As the young are weaned onto solid food, their need for her milk will decrease and her intake can be very gradually lowered to her normal ration.
Seniors
Senior dog and cat nutritional requirements vary greatly depending on breed, activity level, health, and type of food being fed. Older animals may not utilize nutrients as well as they did when young. Therefore, it is vitally important that they receive an optimal amount of easily absorbable nutrients. An older dog or cat that is less active will need the total amount of food decreased, yet may need an increase in the amount of vitamins, minerals, and enzymes. It is important to feed high quality protein as poor quality protein may put unwanted stress on the aged kidneys of an older dog.
When considering what type of diet to feed your dog or cat, it is important to remember that many important nutrients are damaged by heat, light, and oxygen. It is also important to keep in mind that a dog or cat will best utilize nutrients that their body evolved to thrive on.
Each species’ body evolved a particular way that enables it to utilize very particular foods. For example, cows did not evolve to eat rabbits; and dolphins are not built to eat horses. If an animal guardian wishes to raise a healthy dog or cat, it is up to them to choose a species-appropriate diet that provides nutrients that the animal can easily use to achieve good health.
Kymythy Schultze (www.Kymythy.com) has been a trailblazer in animal nutrition for over two decades. She is also a human nutritionist and has helped thousands of people and their pets live happier, healthier lives. To learn how to easily prepare healthy meals for dogs, cats, and humans, check out her best-selling books: Natural Nutrition for Dog and Cats: The Ultimate Diet, The Natural Nutrition No-Cook Book: Delicious Food for You and Your Pets! and her new book Natural Nutrition for Cats: The Path to Purr-fect Health.
Need simple homemade dog food to cook ? Visit homemade dog food now…
Tags: Dog Care