What You Should Know About Pet Insurance

Keeping an animal as a pet means adopting it as part —practically a member, if not really a member— of the family. Your children pet it, you talk to it, you care for it and you love it, especially if your pet is a dog or cat that can also reciprocate with love for you. It is therefore natural for you to fret and worry if your pet gets sick, hurt or otherwise unhealthy.

What happens, then, if your pet suddenly gets hurt or falls ill, and you don’t have the budget for its hospitalization or treatment at the time? Will you nevertheless take it to the vet, hoping to find him a compassionate professional, who can ‘advance’ you the cost of medical treatment? Or would you just accept the inevitable -whatever it is— result of your pet’s injury or ailment? To avoid such scenario, the answer is pet insurance.

Why Insure your Pet?

Whether you accept it or not, your pet is an investment. You probably bought it from a pet shop or a kennel if it is a dog. You provided it with food, water, shelter, and plenty of attention. In return you expect to derive pleasure and reciprocal attention from it. It may, of course, simply be psychic in terms of fulfillment but fulfillment nevertheless. Therefore it follows that you hope to receive such fulfillment from your pet as long as you can.

But pets, like humans, are also subject to ailments, accidents, and hurt. In such instances they also need medical treatment and attention, but it does not follow that you can always support such need. The need may come suddenly and unexpectedly, that you may not be ready for it. Therefore, as you insure your loved ones you should think of insuring your loved pet or pets to provide it with a continuous opportunity to reciprocate the love and affection you bestowed on it.

Insurance coverage

Pet insurance, just like normal insurance for humans, also underwent a series of development phases. After the barrier of non-acceptability was hurdled, the extent of insurable coverage also grew in a series of spurts. Today, after many decades, pet insurance has evolved into an insurance industry sector with its own rules, regulations, levels, standards and requirements. Pet insurance has come of age.

Like any other kind of life insurance, pet insurance basically covers health and hospitalization, veterinary care and medicine, and life and accident insurance in varying combinations of cover, depending on many different factors. These factors may include, among others, pet species and other specifics (if a dog or cat, for example, breed, age, and whether its master is a family or an individual), living and other domestic conditions, and level of care normally bestowed by its owner. Some might even consider the economic stratum the owner belongs to as a significant factor in determining the appropriate insurance cover for the pet.

Insurance Particulars

As stated above, insurance coverage of pets vary with companies in terms of coverage and eligibility requirements. Some pet insurance companies will not cover animals not certified by their veterinarian as ‘normal’, ’stable’, or ‘controlled’, those prone to certain ailments or diseases, ‘old’ pets, and the terminally ill. Other companies, notably those insuring pets of high-profile owners such as the rich and the famous, may even require authenticated and certified pedigree papers, but the coverage amounts may also be astronomical and incredibly large.

Premium payments also depend on the capacity to pay and desired or agreed on terms. Some may be monthly, semi-annually or annually, and may cover regularly scheduled check-ups, standard or special preventive medication, vaccination, grooming, and other wellness requirements. Group insurance options are also available, often at rates lower than individual costs, as well as accident insurance, which may specify coverage terms.

It is best to check around for the best deals, but one thing is sure: pet insurance is your best gift for your pet.

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In this day and age, a lot of things have changed from how they used to be, which can be new and exciting for most. Pet cats hold a very special place in the hearts of their owners. Wouldn’t it be nice to give a pet cat the loveliest name one can think of?

Wouldn’t it be great to give a pet cat a name that would reflect its personality as seen by the one who owns it or a name which would give recognition to the cat’s breed? There are actually a lot of names to choose from in books or in the internet. But generally, how can an owner choose a name which he will find fit for his cat?

Many cat owners name their pet cats with human names. Actually, a whopping fifty percent of pet names are those of persons. This primarily is because there are owners who are enamored with a certain name and actually desire to christen someone, or something for that matter, with that favorite name.

Another basis for names is personality or appearance. In this category, examples are Midnight (should the pet be a black cat), Fluffy (obviously, if the cat is fluffy or has long, soft and bouncy coat) and Whitey (of course, if the cat is white). Pet names based on appearances or personality make up an amazing twenty percent of all pet names. However, unlike human infants where the parents can opt to wait for a few weeks to see the baby’s personality before naming the child, cats must be named more quickly.

So how does an owner actually name his pet cat? Here are some tips which cat owners can give some thought.

First off, keep in mind that the name that the owner chooses for his pet cat will not only reflect the cat’s character but also how the owner views his relationship with his pet cat. As much as it says a lot about the cat, the name given by the owner will tell much about the owner himself. It can then be seen how the name can portray an image of the characteristics of the cat. Many cat names give either a positive or negative impression of the cat. So, it is important to choose a name which will best convey the proper image of the pet.

A cat’s name is for keeps. No matter which name the owner chooses, the cat’s name should be that for the rest of his life. It is absolutely not fair to change the cat’s name every two weeks just because the owner finds another name he thinks he might prefer. If the cat already recognizes the sound of its name it should not be changed.

Although the cat won’t mind any name its owner may wish to use, it is just not fair to give the cat an embarrassing name. While the cat would not mind being named “Ooga Booga”, it would be embarrassing for the owner to actually use this name. Imagine a person calling out “Ooga Booga” at least eight times a day every time he is looking for his cat. The cat’s owner should find his pet a name which he will be proud to use. Also please remember to pick a name which will be appropriate when your cat is full-grown. A large tabby cat with a silly name like Mimi or Kitten seems ridiculous.

A name with two syllables will do best. The response of animals is better to two-syllable names. A cat owner may decide to give his pet a long name as well as a nick name. However, the longer name inevitably would be shortened, and this would probably ruin the effect the cat owner originally sought.

The cat’s breed heritage may provide great ideas for names. For instance, if the cat owner owns a Siamese cat, why not name it Siam? If the cat is a Russian Blue, it would be nice to give it a Russian-sounding or Russian inspired name such as Sofia or Chekov.

Speaking of inspiration, there are a lot of things out there from which you can gain inspiration. As was said earlier, the name the owner gives his cat will speak just as much about himself. So why not pick a name for the cat which is derived from the owner’s likes, hobbies and favorites? If the owner were passionate about world history, maybe the names Isis, Genghis, Voltaire or Osiris would sound very classy. If the owner were an avid fan of the Greek mythology the names Zeus, Athena, Hercules or Jason would be sure to make a good first impression on other people.

On the more contemporary side, names of characters from favorite movies, cartoon series, TV programs or bands will do just as well. Huey, Louie and Duey would sound cute as well as Bonnie and Clyde. A more posh touch would be naming your cat after signature designers. Tommy, Donna, Karan, Calvin and Gianni would not sound so bad for cats–just as long as they are well groomed as their names imply. Naming cats is not the easiest task there is, honestly. But it can be a lot of fun if these considerations and suggestions are always kept in mind.

Then no doubt, that perfect name will come easily. Wouldn’t it be great for an owner to call his pet cat a name which is close to his heart and a name he will be proud to call out no matter what time of the day? Find out more by reading our other articles on this topic and other subjects we have written related to it.

Ed from Ohio
pet cat

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When people think of pets, most of the time “furry” and “cuddly” are adjectives that come to mind. For the owners of pet snakes, however, these words don’t really fit. Still, snakes make interesting pets, and can even be lovable – in their own way.

Choosing to own a pet snake should not be a snap decision. Snakes can grow large, eat a lot, and require very specific conditions for staying healthy. Some varieties can even be dangerous to humans. Providing for their needs can be quite expensive. To top it all off, snakes tend to have a long lifespan. For the sake of the snake, don’t buy one without being sure you are ready to make the commitment.

All snakes are meat-eaters. Many snake owners keep live mice or rats, which multiply rapidly, as food for their snakes. It is recommended that snakes be fed pre-killed prey animals instead of live ones. Especially if the snake is not real hungry, a live prey animal can inflict injuries to the snake. Many snake enthusiasts order frozen mice for their snakes. Others raise mice and kill them as needed to feed their snakes.

The good part of feeding a snake is that most shouldn’t be fed more often than once a week and some can go for several weeks between feedings. The reason is that they don’t have to expend any energy creating their own body heat. In fact, if the cage is not warm enough, a snake can’t even digest its food.

The enclosure, or cage, for the snake needs to be first of all escape proof. Snakes are escape artists, and don’t need a very big opening in order to find a way out. The cage also has to have a source of heat. Because they are cold blooded, snakes must have a variety of temperatures to choose from. This is how they regulate their body heat. For best results, the enclosure should be heated on one side only and thermometers used on both ends. Each snake species has specific needs in terms of heat, and you should find out these needs before getting a snake.

Other needs include a bowl of water, several places to hide, and a floor lining. If you’re on a tight budget, newspaper works well for most snake varieties. It can easily be replaced when soiled. The water should be kept clean, too. Any wastes or uneaten food should be removed quickly. The cage should be thoroughly cleaned and disinfected about once a month.

Keeping a pet snake is a responsibility that can also be an adventure. If you are a beginner, you should start with one of the easier snakes to keep. Do a little research, and you will find out that pet snake breeds are generally rated according to how hard they are to keep. In time, you will learn the ins and outs of snake keeping, and can expand your collection to include some of the more exotic types.

Cockburn Libraries
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