Why Should You Buy Dog Insurance

By: Craig Thornburrow


Recently, people wanting to buy dog insurance has seen a dramatic rise. The amount of money that Americans are willing to spend on the health and comfort of their parents has more than doubled over the past several years. At the same time, the cost of pet care has also increased, and the veterinary services have start to look more and more like human health services, with dogs and cats routinely undergoing ever more expensive and complicated procedures. And, as with humans, there's always the dread lurking in everyone's mind and heart that this will be the trip to the office where the vet will say "I'm sorry, but..."

Whether it's cancer, stomach diseases, liver problems, or any of a whole host of other new ailments that vets can now find--and often cure--the pet owner can be sure of one thing; it's almost a given that it's going to be expensive. This is where dog insurance comes in. Just as with health insurance for humans, you pay a premium each month; in return, should your pet come down with any of the ailments covered by your policy, the insurance company will pay all or part of the bill. The problem is in those two clauses; "covered by your policy" and "all or part of the bill".

It's essential that you do your homework when looking into purchasing any kind of insurance for your pet; again, much like insurance for humans, what the policy does and doesn't cover varies widely from one company to another, and even from one policy to another within the company, and the insurance company may or *may not* pay all of the bill, when it does cover the particular ailment.

Most insurance companies, for example, will not cover the cost of medication or regular checkups--which may include checkups after surgery to make sure the dog is doing well. And you may be required to pay a certain amount or a certain percentage of things that the insurance company does cover.

Again, do your homework and always read the fine print. Make sure that the company provides what you think they provide. Know in advance what you'll have to pay for, if anything (there's usually something) and what they'll pay for. Know what diseases and treatments they cover, and whether they will pay for all or part of preventative measures (for example, yearly rabies shots or regular checkups).

Even when the company doesn't actually pay for these things, they may be willing to lower your premium if you have them done; speak with a representative from the company and find out. Like insurance for humans, dog insurance can be a huge blessing, but it can also be a huge headache.

And, above all, be sure to keep your dog healthy. Encourage him to eat right, and give him lots of exercise by going on long walks together or playing in the back yard for a couple of hours a day. If you buy dog insurance, it can be a nice thing to have, but it's even nicer when you don't actually need to use it!

Article Source: http://www.financemanual.com


Craig Thornburrow is an acknowledged expert in his field. You can get more free advice on pet insurance and cheap uk pet insurance at www.petinsurancegroup.com

Not Your Dog's Masterpieces

By: Luat Tran Van


Something that on a first impression may seem laughable but is a serious matter indeed is the concept of a 'coprolite.'

Coprolites are nothing more and nothing less than fossilised faeces of animals vanished long ago, and while it may seem odd that anybody may be on the look for such produces of nature, there are actually many scientists in the field of palaeontology that are very happy when they come across one of those treasures - so to speak. Indeed, coprolites are highly valuable not only because they are hard to find, but for the information that is contained within them.

The difficulty of finding them lies in the mechanisms of fossilisation: in order for this long process to take place, decomposition must be stopped by a variety of means; however, faeces are usually ripe with bacteria so it is unlikely that such a thing will somehow, be left suddenly sterile. Then, you have to have the eye to find one.

But many coprolites from a wide variety of species have been found during exploration expeditions searching for fossils on purpose, or just by chance. These fossils yielded a lot of information on the habits of those animals that first produced them.

In some cases, particularly with coprolites generated by herbivorous species, the semi digested contents indicated the presence of plant species for which nothing else is known. Also, illnesses, bacteria and even parasites have been identified, co coprolites really fill gaps in our knowledge about the past, for which we presently have no alternative sources.

For something as simple and prosaic as dung kept inside rocks for aeons we can start to see seasonal changes during the life of animals, changes of diets due to possible migratory movements, and may other things. Besides, this kind of fossil is studied over time repeatedly, because as new fossil evidence is discovered elsewhere, so does appear the need for new comparative studies.

And there has been at leas one case in which coprolites have actually been eaten: some settlers travelling thorough the United States were starving, and just by chance they ran into a cave where they found some stuff that appeared to them like caramel or syrup, and for the dissatisfaction of their digestive systems, they ate it.

It was not exactly a coprolite, but on the process of becoming it: the 43.000 years faces and urine of rodents combined looked like food fallen from heave, but they were not. This may seem hard to believe but it is a true fact: there are scientists that actually spend years looking at this produce of mother Earth, hoping to gather new information.

So, the next time you come across a coprolite, you will know: it is not your dog's masterpiece.

Article Source: http://www.articlemanual.com


Please review further information and references at Andinia.com. You can also get in touch with Don Pablo Edronkin directly to learn more and exchange views about these topics.

Dog Insurance: Be Careful Which Dog You Choose

By: SeanH-9584


If you are thinking of getting a dog, you probably already know how important dog insurance is. So one thing you need to guard against is getting a breed of dog that is hard to insure.

There are some breeds of dog that some dog insurance providers refuse to insure altogether. These are mainly dogs that are listed under the Dangerous Dogs Act. Some of these of course are illegal in any case. Even if you did find an insurer who would cover such a dog, third party liability insurance would be extremely expensive.

As well as dogs that are virtually uninsurable, there are some breeds for which dog insurance is harder or more expensive to obtain.
• Some pedigree breeds cost more to insure because they are more likely to be stolen. Also some breeds such as lurchers are frequently stolen for dog-fighting purposes.
• Some breeds incur higher premiums because their health care costs more. These include bulldogs, deerhounds, Great Danes, Irish wolfhounds, mastiffs, Old English sheepdogs, Rottweilers and St Bernards. But check the policy – dog insurance providers have different policies towards different breeds.
• Some breeds are more prone to certain conditions. For these breeds be very careful as that condition could be excluded from the dog insurance policy.
o Boxer dogs have a high incidence of tumours.
o Alsatians and Golden Retrievers can be more prone to arthritis and hip dysplasia.
o Golden Retrievers and Labradors have a tendency to develop progressive retinal atrophy.
o Spaniels are extra susceptible to heart problems.
• Some insurers won’t insure dogs over 8 years old – in fact some exclude them as early as 5 years old.
• Very few dog insurance providers will cover a bitch for breeding – there are so many things that can go wrong.
• A number of dog insurance providers won’t insure racing greyhounds or any dogs used for trade or business, such as security guard dogs.

Before signing up to a dog insurance policy, check it out extremely carefully. It’s important to ensure your dog insurance covers everything you need. Otherwise you could be in for a lot of expense. Owning a dog should be an enjoyable and rewarding experience – don’t let it be a time of worry and stress.

Article Source: http://www.financemanual.com


Sean Horton is a director of www.petquote.co.uk who offer comprehensive dog insurance