Is Pet Insurance Right For Your Pet?

Trying to decide if you should get insurance on your pet? There are of course pro’s and con’s to it. Years ago I decided to try it out. I thought, if something happened, it would be a good decision to have it. Some plans will cover basic vet care and heartworm and things like that. Read through the information below and make a decision for you and your beloved pets.

Standard Care is the essential care that is required for any pet. This usually includes shots, heartworm tests and supplies, and any other preventitive care that is required through an animals life. This is usually not covered by most insurance plans and requires a special extra fee. Calculate the cost of this fee and then call your local vets office to get a price quote and compare the two. Keep in mind that sometimes your vet may be more costly than using an online pharmacy, so price out those options as well.

Accidents happen to pets all the time. Just the other day, my dog broke his nail. We had to go to the vet, have it removed, and get a shot of antibiotics. The total cost was $50 for this procedure. Of course, not everything is covered so you need to discuss this with the insurance company and find out exactly what is covered. When I was with one insurance company I actually got charged for submitting claims that weren’t covered. Of course I had no way of knowing what was covered and what wasn’t.

Every owners fear is the dreaded Cancer word. At least I know it is mine. Cancer procedures and testing is not covered by most companies. There are special riders for this as well. But you have to purchase them BEFORE the dog has cancer. Otherwise it is excluded as preexisting.

The bottom line is do your research, talk to your vet, talk to different companies and try to make the best decision you can for your loved ones. I know that vet insurance has worked for so many people. In the long run, I think its a gamble, just like life insurance. If you dont have it and something happens you kick yourself that you should have just done it. But in other cases, you do have it, and nothing thankfully ever goes wrong.

Amy Dunphy
Owner of the Dog Trainer Search - Get all the information you need on training your dog or puppy

Why I Have a Horse

Yes, I have a horse. In Idaho, it is best to have one of the critters. Why? When you’re old, retired, and have your spouse as your boss, you will understand. For example:

“John, take out the garbage.”

I will as soon as I get back from feeding my horse.

“John, mow the grass.”

I will as soon as I get back from grooming my horse.

“John, can we take that cruise we’ve been talking about?”

You better go without me. The horse!

My friend has a boodle of horses. I said, “Dan, I need a horse.”

He said, “Why?”

I said, “A man needs a horse in Idaho. People are always talking about their horses. I don’t have a horse so I’m always left out of the conversation. Besides, I’ve always wanted a horse of my own.”

Dan said, “I’ll sell you one.”

I said, “I didn’t say I wanted to buy one, Dan. I want you to give me one of yours.”

He said, “Where will you keep it? You live in town and your lot is too small for a horse.”

I said, “Where is it now?”

He said, “Right there; the bay with the white stripe on her head and the white fetlocks. We call her, Sissy.”

I looked out in Dan’s corral and said, “Sissy can stay right there.”

He said, “What about the feed?”

I said, “I don’t want to feed a horse, ride a horse, or clean up the manure. I just want to say that I have a horse.”

He asked, “The same way you raised chickens in Iowa?”

“Not exactly,” I said.

He looked at me with those pale blue eyes of his and said, “You just want to have bragging rights on Sissy, right?”

I said, “Not exactly. I really want to have my own horse like everybody else.”

So that is how I got Sissy. I said to my grandkids, “Want to take a look at Grandpa’s horse?” They said, “Yes,” and off we went.

When I got to the farm, Dan and his wife, Deborah, came out of the corral. Deborah said, “Sissy got kicked by the stud. We’ve got the vet bill for you in the house. I’ll be right out with it.”

(To learn how I raised chickens in Iowa, go to: http://www.ezinearticles.com/?How-To-Raise-Chickens:-Dont-Sweat-the-Little-Stuff!&id=79187)

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John T. Jones, Ph.D. (tjbooks@hotmail.com, a retired VP of R&D for Lenox China, is author of detective & western novels, nonfiction (business, scientific, engineering, humor), poetry, etc. Former editor of Ceramic Industry Magazine, Jones is Executive Representative of International Wealth Success. He calls himself “Taylor Jones, the hack writer.”

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Golden Retriever Complete Profile

Key Facts:

Size: Medium
Height: 51 - 61 cm (20 - 24 inches)
Weight: 27 - 37 kg (60 - 80 lb)
Life Span: 12 years
Grooming: Fairly demanding
Exercise: Demanding
Feeding: Demanding
Temperament: Intelligent & caring
Country of Origin: England
AKC Group: Sporting

Physical Characteristics:

General Appearance: Solid, laid-back and gentle.
Colour: Any shade of gold or cream.
Coat: The outercoat is flat or wavy, waterproof with feathering. The undercoat is dense.
Tail: Thick, well-feathered and never carried over the back.
Ears: Medium size, set high and hanging close to the cheek.
Body: The ribs are deep and well-sprung. The topline is level with a strong, muscular loin. The shoulders are long, wide and well laid back.

Temperament:
Gentle, intelligent, kind and loyal. Golden Retrievers are popular family dogs with their affectionate and caring nature. Unlike many other breeds they do not demand continuous attention from their family or handler. They are friendly with children, strangers and other dogs. They are easily trained and obedient. Some of these dogs make good watchdogs, others do not.

Grooming:
These dogs can be trimmed occasionally for a well-groomed appearance and they need regular brushing and combing. The excess hair between the pads of the feet also needs to be trimmed and the ears checked for dirt or wax build-up.

Exercise:
The Golden Retriever adapts itself to the family activities, but it does need more exercise than the average dog. They enjoy retrieving, swimming, obedience training and agility sports. These dogs not only need to be kept physically healthy but also mentally healthy, so it is important to keep them occupied.

History:
In the 1860s, Lord Tweedmouth in Scotland purchased an only yellow puppy from a litter of black Flat Coated Retrievers. His aim was to breed retrievers of this lighter colour. He crossed this yellow dog with a liver Tweed Water spaniel (a breed that was hardy, intelligent and able to retrieve game in all sorts of weather). From 1867 onwards, Tweedmouth’s gamekeepers recorded all matings and conscientiously evaluated the results. As the conformity of this dog became established, these yellow retrievers became a breed in their own right. They were first shown in 1908 and were recognized by the English Kennel Club in 1913.

Additional Comments:
Golden Retrievers are used as guide dogs for the blind and as drug/explosives detectors.

About the Author

This article provided courtesy of http://www.dooziedog.com/dog_breeds/golden_retriever/