pet insurance premium

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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

It seems that lifestyle and convenience work against a few breeds, in particular the Fox Terrier, Jack Russell and the fluffier Pomeranian.  These breeds are dumped and destroyed in record numbers.  They are very cute puppies and people buy them on impulse from pet shops, without understanding their temperament, needs, and the long term responsibility of pet ownership. 

Dogs are beautiful animals who give us unconditional love, but they rely upon us for their wellbeing and indeed their survival for as much as 12 years or more.

So it makes sense, doesn’t it, to consider what breed would fit best with you, your budget, your lifestyle and the home you can offer them – before you go ahead and bring a new puppy into your life. 

Here are some things to think about in advance.

  •  How much time do you have to give your dog daily exercise?

Like humans, all dogs need a leve of exercise.  An overweight dog will not be as healthy as he can be, and as a result this can affect his longevity and his happiness.  Think about how much exercise you can give your pet, but dont be unrealistic – remember you are going to need to keep it up for 12 or more years!

  • How much time do you have to devote to grooming your dog?

Often overlooked – depending on the breed, grooming could mean a daily activity for you and your pet.  It’s important to consider just how much time you have available before you choose your pet.
 

  • How much can you afford to pay for dog food each week / month?

Big dogs eat more!  A new dog is also a financial decision which needs to be planned for.   Remember to include dog food in your budget.

  •  Have you considered the cost of vet expenses?

There’s no Medicare for dogs, and vet expenses can cost a fortune.  No-one would want to have to put their pet down because they couldn’t afford treatment.  That’s why many people choose pet insurance to assist with the vet fees.  But of course it’s important to make sure you can afford the pet insurance in the first place!  The breed of dog also affects the premium you pay. Get a quote now, to see how affordable it can be for you.

  •  Will your pet be around young children or elderly people?

 The’re all different.  Some dogs are child friendly, and others prefer the quiet life!  Very activy dogs can be too boisterous for the elderly.  (Of course getting an older dog – perhaps from the pount – can also solve this problem)Some dogs love to have a run with their owners, others prefer to stroll – what would be best for your family?

  • Does anyone in your family or someone who visits you frequently suffer from allergies?

Some breeds are less liketo to cause allergies than others. It’s all about their hair!

  • Do you have an exercise area for your dog?

Some breeds love to snooze indoors for most of the day (as long as they have a couple of walks), whilst others go mad for the outdoors and love physical exercise.

  •  How much time will your dog be alone each day?

Dogs are essentially pack animals and love company..  If you are going to be leaving your pooch alone for long periods of time, consider whether getting a second dog would be a good idea – so they can keep each other company

  • Are there other pets that your new dog will need to get on with – for example cats, rabbits, birds, etc.

To keep the household on an even keel, you need to think both about how your existing pets will embrace an imposter, and how the new dog will fit into the new environment. 

  •  Are you expecting your dog to protect your property?

In some breeds, the desire to defend property is higher than others consider this if you are looking for a guard dog.

  •  What size of dog do you prefer?

Remember the puppy will grow up!  You need to bear in mind what size it will grow up to when you choose your puppy. 

  •  What sort of coat would you prefer your dog to have?  What sort of shedding would you be able to tolerate?

What would you like to feel when you run your hand along your dog’s back?   Smooth, woolly, long, short?   Are you house proud?  Would a “shedder” drive you nuts?  Consider this before you choose your pet.

  •  How active would you like your dog to be?

Do you like them active, or would a lazy pal suit you better?

Tags: Buying a new dog, dog breeding, dog rescue, Ethics of pet ownership, insurance for pets, Lifetime cost of pet care, pet insurance, pet insurance cover, pet insurance premium, pet insurance rates, puppy farm

Think humans are the only creatures supporting the Australian economy? Well let us not be so smug. Our four-legged pals are pulling their weight in no mean way, by eating, sleeping in nice beds, being well groomed and kitted out, taking holidays at the kennels and by requiring veterinary services.

There are currently more pets in Australia than people – around 33 million, with the pet industry contributing over $6 billion to the Australian economy, according to a 2010 report published in the Sun Herald.

When you look at your little pet, it’s hard to believe that the pet industry employs more than 47,600 people. And of course every person it employs contributes to the economy.

Today pet owners are spending more and more on their animals. For one thing, the choice of pet food has increased massively. Scan the supermarket shelves and you’ll find all sorts of gourmet treats, with tempting descriptors – yummy chicken dinner, beef and liver, turkey and vegetables, fish mornay…the selection goes on and on. There are snacks and chews of all kinds, with food accounting for $1.83 billion each year (and growing). And $111 million a year was spent on kitty litter alone.

This is before we look at jackets, jumpers, baubles and beads to play dress-ups with our pets. They must have the latest bed with special cushions and the right lead with car seat belt attachment. How about the range of shampoos and conditioners for dry, normal, and sensitive skins plus grooming aids to keep their fur immaculate? Eat your heart out you mere human.

 A happy pet is one that gets to play and don’t they love their squeaky toys! Pet shops these days have an entire toy section to ensure your pet is not bored. Eat your hearts out kids!.

Getting serious

By far the greatest contribution made to the economy by the pet industry comes from vet services. According to the report “A staggering $2.22 billion, 37 per cent of all expenditure goes on veterinary services, which reflects the importance of our pets in our lives.” 

No pet-owning household can escape. You can have the healthiest pet in the neighbourhood, but they still need vaccinations, they still need veterinary check-ups, preventative medications, and possibly desexing. And if (God forbid) they get hit by a car and need major surgery, you’re talking thousands of dollars. If they are too seriously affected, euthanasia might be the only option and that too is a cost you must bear.

 Pet insurance is a big contributor to the economy. Because if you consider the cost of restoring an animal to heath or saving its life, pet insurance looks like a good investment. The smart way is to insure them young. Once they are age 7 or older, you are unlikely to be eligible to apply for cover. Companies like Petsecure can give you the details about the variety of levels of cover available.

Tags: dogs and cats help economy, insurance for pets, pet insurance cover, pet insurance premium, pets help economy

The fact that your pet insurance premium is so low when you decide to take cover from Pet Secure is a great thing. But it is only natural to have reservations pertaining to explaining why it is so low. Pet Secure specialize in making pet cover more affordable but we also are dedicated to providing the best possible treatment for your dog or cat (browse info on dog insurance and cat insurance here). It begs some specific questions such as what is covered and what isn’t covered, how can you reduce your premium, and what options are available to you.

What is Covered?

Pet cover from Pet Secure covers vet bills for treatment and surgical procedures for accidents and illnesses from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer. You can choose Pet Secure to cover 75% or 85% of your bills. Obviously choosing the 75% option will reduce your premium further. You can also decide between accident cover or accident and illness cover. Choosing both with provide comprehensive cover but your premium will be slightly higher.

What isn’t covered?

Like many other insurance companies we decide to exclude certain instances to keep your premiums very low. These include: pregnancy, elective procedures, foods/diets, grooming, behavioural problems, and pre-existing problems that were proven to be present before taking out the pet insurance plan.

Did you know?

1. Cat insurance in cheaper than dog insurance. This is because studies have shown that cats’ vets bills are lower than dogs.

2. If you insure more than one pet, you can get a 10% discount and save more on your premiums.

For a complete list of frequently asked questions about your pet insurance plan from Pet Secure visit the following link: pet cover for cats and dogs

Tags: pet insurance, pet insurance premium

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