Cost of vet bills

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A few years ago Australia earned the unenviable title of “the world’s fattest nation” with 26% of our adult population considered obese.  Sadly, this problem may also be affecting our dogs with a huge 40% of Aussie dogs now classified as overweight or obese by the Australian Veterinary Association.

This alarming figure could be related to two main factors, a) the sedentary lifestyle we tend to lead – which means not enough exercise (for us or the dog), and b) food – we simply are feeding our dogs too much, and much about feeding is emotional – for example offering treats, a little bit extra or left overs from the family dinner.  More and more we see our pets as members of the family and start feeding them as though they were people!  But of course, they are not people and they have very different nutritional needs to humans.

The serious side of obesity in dogs

Many of the problems caused by obesity are under-estimated by owners.  The obvious problems are the same that we find in humans, for example diabetes.  But heart, respiratory and skin disease can also result and the extra weight obviously puts strain on muscles and joints, which in turn means problems with arthritis and mobility can develop.  Major organs like the pancreas, liver and kidneys can also be affected. 

Is your dog overweight?

You should be able to see a waist line behind the ribs and you should also be able to feel the ribs like corrugated iron, but not see them.  If you can’t feel the ribs, your pooch is carrying excess weight!  But before you start a weight loss plan, it is suggested that you check with your vet to make sure there are no underlying issues such as hormonal problems that can cause weight gain.  Also important to bear in mind that there is no “one size fits all solution”, you need to feed your dog according to it’s life stage, it’s ideal weight and lifestyle.  It’s important to apply some tough love too  – imagine a pellet of food being the equivalent of a piece of steak and feeding extra can make a huge difference, especially with a small dog.  It has also been suggested that splitting the food into portions which are fed over the course of the day can be beneficial as the food will be better absorbed and less likely to turn to fat. As with us humans, exercise is vital, and your dog should get at least 30 minutes every day as a minimum.  Not only will this help with the weight, but also tone muscles, assist with digestion and improve the cardiovascular system.

Remember most dogs don’t have any self control when it comes to food and they rely on us.  Breeds such as Labradors, Golden Retrievers, Beagles and Spaniels will never say no to food!  Our job as owners is to provide the solution by  being tough with diet and ensuring exercise.   So whilst it may be hard to say no, making the hard decisions is the kindest decision in the long run – and looking after our pet’s health is the least we can do.

Maintaining your dog at a healthy weight also makes sense financially.  A healthy weight means better health and less trips to the vet and fewer expensive vet bills!

Tags: Care for your dog, Cost of vet bills, dog breeding, Ethics of pet ownership, Lifetime cost of pet care, Responsible pet ownership, Taking care of pets

As the Christmas season approaches, we are all racking our brains to find the perfect gift for our family and friends, at the right price.  Before you are tempted by the “doggie in the window” at the pet shop remember  that even if you know your friend, mother, sister, niece or nephew would love nothing more than a beautiful fluffy puppy or kitten, it is rarely a good idea to spring this sort of surprise on someone.  Here’s why.

1. Choice. Choosing the right dog for a family is a very important decision.  You need to consider a range of elements to make sure the “fit” is right.  Imagine giving a dog with a coat that sheds to someone with asthma, for example.  Such a choice should only be made after a wide range of breeds have been researched, taking account of the pet’s size, temperament, “running costs”, health issues, grooming, training and exercise needs.  Sadly many people see a “puppy in the window” and make an impulsive decision – meaning many pets are eventually homeless.  The research should be as much as if you were choosing a new home or a new car – a pet is not a disposable item – the idea is that the animal will be in it’s home for at least 10 years, and more often than not, considerably longer.

2. Timing – The best time to introduce a pet into a home  is not when there is maximum of stress and activity.  Introducing a pet to a new home is much better if it can be done in a calm environment where time can be given to raising your pet well.  If you have an older adopted dog, it’s important to help them adjust and thrive in a new environment.

3. Think of the running costs. Imagine telling someone, “I bought you an education”, where in fact you paid for one term’s tuition.  Just as the cost of the dog or cat is not the main cost in raising a pet – in fact the initial cost is just the tip of the iceberg when it comes to the costs associated with owning a pet in the long run. Check out how much it can cost to raise your pet 

And it’s not just food and vet’s bills.  Maybe a bigger car is needed to transport a big dog, or as was the case with an old friend of mine whose dog developed dysplasia – they had to build a ramp in their home to accommodate their labrador!

Not sure if giving a gift which has an ongoing cost obligation for 10 years or more is really going to mean a Merry Christmas!  Of course you can help by including some pet insurance to help with the inevitable vet’s bills!

4. Dogs and cats deserve to be treated with respect. Many pets given as gifts come from pet shops and are obtained from unethical sources like puppy mills and backyard breeders.  We need to put a stop to this practice, but the first step is to put them out of business by not buying dogs and cats from pet shops.  Then of course there are all the rescue organisations which are filled to the brim with dumped dogs and cats.  Give one of them a home instead.   Truly responsible breeders and good shelter organizations like www.doggierescue.com.au  will not just send any dog to any home; they want to send every dog to the right home, which means screening individual dogs and adopters to ensure the best possible matches.

Tags: Buying a new dog, Care for your cat, Care for your dog, Compare pet insurance, Cost of vet bills, dog breeding, dog rescue, Ethics of pet ownership, Lifetime cost of pet care, Responsible pet ownership, Taking care of pets

OK, we know your pet is part of the family – but you know what I mean –  people family, or your animal family (your pet)!  Now this question is not as strange as it sounds.  In fact it seems that in the United Kingdom the majority of pet owners are more likely to get insurance for their mobile phone or pet insurance before they sort out  life insurance!

In fact, life insurance protection, only came 6th on the list, after car, home, pet, and mobile according to the website MyVoucherCodes.co.uk (August 2011).

In the UK 30% have a pet health cover insurance (pet insurance), whilst in Australia it’s only around 3%.  So it would seem in Australia, so far at least, people are more likely to have life insurance than pet insurance!  Having said that, it’s estimated by Ibis world that Aussies spend around $7.88 billion on pet products and services each year. With 10 million pet owners (63% of households), that amounts to a whopping $1,460 average expenditure per pet, per household each year.   How  much do you think your pet will cost you over his or her lifetime?  You can help reduce that cost with pet insurance that pays a proportion of the inevitable vet’s bills that will crop up over your furry friend’s lifetime.  Even in the unlikely event that you don’t claim for, say, 3 years – it only takes one major event to even up the score and put you in profit!  For example, if an average annual premium is around $500 for a plan that pays an 85% benefit (this example taken from a 2 year old labradoodle cross), an event such as a simple ingestion of a foreign body costing $5,000 would mean the savings on your vet bill could be as much as $3,500, and if you hadn’t claimed for 3 years then the saving would be $2,500!!

Like all insurance, pet insurance is there to help with unexpected events.  It gives a bit of peace of mind knowing that if your four legged pal got sick, or injured in an accident, you would at least have some help with the vet’s bills. 

 

Tags: Cost of vet bills, insurance for pets, Lifetime cost of pet care, pet insurance, pet insurance cover, pet insurance rates

Money Matters report that vet bills for cats and dogs have risen by as much as 500% in the past 2 years.  Like everything else, there is normal inflation of vet costs, but on top of this, advances in technology provide many more treatment options for your four legged friends.  In days gone by, pets would die of cancer, nowadays you can give your pooch or moggie a whole range of treatment options, which as you would guess, cost money!  This means more pet lives are being saved, and pets are living longer. But I don’t need to remind you – there’s no Medicare for pets – so when you choose these treatments you pay the full amount with no subsidies, so the costs can certainly mount up.

As an example, Choice magazine revealed highest vet expenses claims of $25,700 for cancer, $16,865 for diabetes, $11,035 for a snake bite and $8,760 for an ear infection.  When you consider these costs against an annual premium for pet insurance averaging around $400 for cats and $570 for most dogs, pet insurance is surely worth the price?

Of course pet insurance may not be for everyone, but if you do not have such a plan in place think about keeping some cash aside each month to take care of an emergency.  No-one would want to have to put their beloved pet down because of financial considerations, but the reality is, without a plan, this is all too possible.

Read more – visit www.news.com.au/money/money-matters/sick-as-a-dog-as-vet-bills-soar-by-500/story-e6frfmd9-1226148801851

www.choice.com.au/reviews-and-tests/money/insurance/personal/pet-insurance-policies-review-and-compare.aspx

Tags: Care for your cat, Care for your dog, Compare pet insurance, Compare pet insurance cover, Cost of vet bills, insurance for pets, pet insurance, pet insurance premium, pet insurance rates, Taking care of pets

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