Does anyone know what some of the best pet insurance companies are out there? One that covers congenital or hereditary problems. Thanks!
Pet Insurance?
Posted May 11th, 2010 by admin
Tagged and categorized as: orthopedic dog bed
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Getting The Best Dog Bed
If you own a dog, especially an older one, getting a good dog bed is a really great gift to give your beloved pet. The need a good place to rest and sleep just like us. After all, you wouldn't want to bed down in an uncomfortable mattress or sleep on a hard surface all night.
Sleeping on the floor or even on a bad or uneven bed isn't the best thing for a dog to do. As they get older it becomes even more important that they have a really good dog bed to sleep in.
The other reason to get a dog bed is, of course, to keep them off of yours or off of the best couch in the house. If you don't want them all over your furniture, get them a comfortable bed of their own that they will love and use for a long time.
From the simplest dog beds to the more elaborate types, there are many to choose from. Some are more or less like large bean bags, some are donuts or round pet beds. There are also bolster dog beds, which have sort of a pillow going all around the outer edge of the bed. Dogs like to use this as a pillow for their head while they sleep. Then there is the orthopedic dog bed and memory foam beds, which are among the best you can get.
There are also outdoor dog beds which are made for outdoor areas like the back porch and there are also heated dog beds. These are great for dogs, especially during the cold winter months. Even when you have the heat in the house cranked up, the floor can sometimes stay cold and it's not good for your dogs bones and joints. A heated dog bed will keep your canine pal comfy and warm the whole time like a warm blanket.
Another option you may want to look into is getting a waterproof dog bed. We have all taken our dog out for a walk when it is raining and wet outside. Whether we want to or not, we have to go out on those miserable days when the rain is pouring and we both get soaked. After a good towel dry, dogs still have some moisture left on their coat and skin. The nice part about a waterproof dog bed is that your dog can lay on this type of pet bed without getting it soaked on the inside where the water stays put. These beds are made for this so they do not get ruined every time your water soaked pooch rests on them. For those dogs that prefer to stay out on the porch or outside near their kennel or dog house, they are much happier on a waterproof bed than a conventional one that soaks up the water. It's not only a comfortable resting spot for sleeping and lying down, but it will last longer too.
Not all dog beds are the same just as not all dogs age the same. When your dog gets older, he or she will most likely develop the same types of aches and pains due to joint problems that humans do. When your dog starts to slow down due to joint pain, inflammation and arthritis, the best thing you can do is to look into getting them a memory foam dog bed.
As soon as your are aware that you dog is suffering from orthopedic issues, the floor is simply not a good place for them to sleep. Even a conventional dog bed just will not do. The even balance of a dog's weight is more important at this stage of their life than at any time before. A bumpy or uneven bed is not good for the existing joint pain and can actually worsen the dog's problems over time.
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May 11th, 2010 - 6:17 pm
Hi photoguy,
First of all, a disclaimer: I work for Embrace Pet Insurance in Cleveland, Ohio.
I am not sure there is a "best" pet insurance, it really depends on your circumstances and your pet’s needs. But I’ll try to give you some pointers to help you decide.
The "right" insurance protects you from an unexpected, expensive accident or illness. Insurance should not pay for day-to-day stuff that you know is going to happen, such as vaccinations and spaying/neutering. Why not?
Let me give you an analogy: let’s say your car insurance paid for things like tire rotations every 15,000 miles and for repairing all the dings and scratches. Do you think your premium might be much, much higher than it already is?
So don’t be lulled into thinking you need routine care and/or wellness visits with your insurance, these end up costing you more than you would by paying yourself.
Something else for you to think about is how claims are paid. Several pet insurance companies in the US pay claims only to the benefit schedule maximum. So if, for example, the benefit schedule limits payment for a broken leg to $855 or whatever, then no matter how much your vet visit cost, that’s all you’ll get back!
If you live in a big city, the benefit schedule can mean you get only a fraction back of what the veterinary visit actually cost you. A broken leg can cost several thousand dollars to fix when all is said and done, a benefit schedule may only reimburse 20 – 30% of this amount.
You are wiser to go with a company that does not use benefit schedules.
The other main area where pet insurance companies disappoint pet parents is in genetic cover. Many, many pets – including mixed breeds – are susceptible to genetic diseases of one type or another. Sometimes these are apparent at birth, many times they are not.
Some pet insurance companies look for an excuse not to pay something by calling it "genetic". But that’s not how any of us expects health insurance to behave! For example, cancer is frequently considered genetic in pets. You could argue that almost anything is genetic if you put your mind to it. This kind of thing doesn’t exactly give pet parents a warm, comfy feeling about pet insurance.
There are a couple of companies that cover congenital conditions: our company (Embrace Pet Insurance) and Petplan USA. There may be others that I am not aware of. Obviously congenital or genetic conditions are only covered if they are not already obvious; you cannot insure a pre-existing condition.
I hope this helps you find the best pet insurance for you. You can contact me directly if you have additional questions.
Alex
Embrace Pet Insurance
P.S. I have included a list of U.S. pet insurance company websites.
May 11th, 2010 - 6:17 pm
None that I know of cover hereditatry problems.
May 11th, 2010 - 6:17 pm
i went to Pet Supplies Plus and they were advertising Pet Insurance. that’s all Ive heard of, try looking it up on the internet, good luck! :-]
May 11th, 2010 - 6:17 pm
I had pet insurance for a while, and as Jennie said, it didn’t cover hereditary problems. I finally came to the realization that I could take what I was spending on constantly rising premiums and sock it away in a good interest-bearing savings account and feel comfortable that I was providing for my dog’s medical needs.
May 11th, 2010 - 6:17 pm
VPI or Veterinary Pet Insurance is the most common insurance company I’m familiar with. I’m not sure if they cover hereditary problems, however, if a problem has already been diagnosed by a veterinarian, they most likely will not cover it. Best advice is to buy your insurance when the pet is very young so you won’t run into "pre-existing" denials.