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Pet insurance: to buy or not to buy?

Wednesday, October 07, 2009



Soon, she will be 6 months old, the age recommended for spaying, a procedure that will probably cost several hundred dollars, once tests and medications are included. A less invasive technique, done through laparoscopy, is far more expensive. And we’ve already spent quite a bit on vaccinations and routine checkups. Then there are possible future expenses, like an accident or a really severe malady, like cancer.

As with humans, pet insurance programs are complex; some are expensive, and it’s hard to tell for sure what kinds of illness and conditions will be covered. Most plans offer tiers of coverage, which grow in price depending on how expansive the coverage is, the breed of dog, where you live and other factors. For many pet owners, of course, neither veterinary care for complex health problems nor paying monthly pet insurance bills is affordable or even possible, so I know that having the choice is a luxury.

The costs I’ve checked out for Scout with two leading companies that offer pet health insurance range from monthly premiums of about $12 to $45. Ouch. Personal experience, discussions with a few trusted veterinarians and guidance from friends and fellow dog owners have tipped me in favor of buying the insurance, although I am still poring over the fine print and deciding among plans.

When he was a pup, Buddy, our dog before Scout, got into a box of chocolates (poisonous for dogs) that one of our children had carelessly left within reach. An expensive nighttime visit to the emergency clinic ensued. At midlife, Buddy also developed unbearable skin allergies, requiring tests and even biopsies, before a change in his diet brought the problem under control. What we spent on Buddy’s health issues (as well as the more serious problems we confronted with Dinah, recounted in an earlier column) probably exceeded the cost of insurance, even over his long life span. Read more...



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Top dog summer concerns

Saturday, August 22, 2009

Elizabeth Wasserman via Studio One Networks

The hot and sunny stretches of summer can bring with them a whole set of health concerns for your dog. From parasite-spread illnesses to paw problems caused by walking on hot surfaces, a wide range of summer hazards can plague canines. Here's how you can keep your pet safe in the summer sun.

1. Heatstroke

"If we're hot sitting outside in T-shirts and shorts, our dogs are certainly going to be hot sitting outside in a heavy fur coat," says Adam Goldfarb, director of the Pets at Risk program for the Humane Society of the United States. Be mindful of what type of dog you have and how old it is -- these factors may determine your dog's tolerance for heat. Older dogs, puppies and northern breeds with heavy coats may have a harder time withstanding heat.

What to do:

  • Walk or exercise your dog in the early morning or early evening, when it's cooler out.
  • Never leave your dog in the car. A car can heat up within several minutes to more than 100 F, causing heatstroke or even death, says Lisa Peterson, communications director of the American Kennel Club.
  • Don't shave your dog's coat during the summer. "A dog's coat helps insulate them from the heat in the summertime," says Peterson. Without their protective coat, dogs can also get sunburned.

2. Fleas and Ticks

Some dogs have flea allergies that make them scratch until their skin is raw -- or in extreme cases, until they bleed. Ticks are even more dangerous because they carry a variety of diseases, including Lyme disease, Rocky Mountain spotted fever, anaplasmosis and Ehrlichia. Symptoms of tick-borne diseases can range from the fever and swollen joints that afflict Lyme sufferers to possible death, as in the case of Rocky Mountain spotted fever victims.

What to do:

  • Find out from your veterinarian what type of anti-flea and tick medication is best for your dog.
  • Check your dog for ticks as soon as it comes in from the outdoors, since ticks can cling to its hair. If a tick bites your dog, remove it as soon as possible. (Use a blow dryer on the cool setting to help part the hair, Peterson recommends.)
  • Control fleas by vacuuming regularly -- particularly the areas where your dog lies -- to remove any adult fleas or eggs.

3. Paw Problems

The pads on your dog's paws are very sensitive, so the heat on concrete, asphalt, beach sand or other surfaces can be a big problem during the summer. The pads can burn, dry and crack.

What to do:

  • Walk your dog on the grass, Peterson recommends. That way, your pet doesn't have to deal with the intense heat of the pavement.
  • Try doggie booties. Some pet stores sell booties for your dog to wear in winter, but these shoes may also help protect your dog's paws during the summer.
  • Apply a paw balm to your dog's paws regularly to help keep them moist and prevent cracking, which is painful and can increase the risk of infection.

4. Water Safety

Wherever your family goes during the summer, be it the beach or backyard pool, be aware of the risks these bodies of water hold for your pooch. Dogs may drink from stagnant ponds and contract intestinal ailments, such as giardia. Canines may also jump into a lake or pool and panic when they realize they don't know how to get out. What's more, pools contain chlorine, which can be harmful to your dog's health.

What to do:

  • If you have a pool, consider using dog-friendly pool chemicals, which are now commercially available.
  • Keep a life preserver on hand in case your dog jumps in. Dog life vests are also available.
  • Don't leave your pooch alone when there is an open body of water, as you wouldn't leave a child in a similar situation. Make sure fresh drinking water is available at all times.

5. Wildlife Contagions

Dogs can pick up diseases, such as rabies, from infected animals from the wild, including bats, raccoons, foxes, skunks, cattle and coyotes. Rabies is transmitted through saliva, usually after a bite. The virus affects an animal's central nervous system, and common symptoms are erratic movements, partial paralysis and unprovoked aggression.

What to do:

  • Keep your dog's vaccinations against rabies up to date. "It's likely that your city or county requires your dog to be vaccinated anyway," Peterson says.
  • Don't let your dog roam free and unsupervised, particularly when you are in areas where Rover is more likely to encounter wildlife.

Supervision is the key to summer dog safety. "Be mindful of where your dog is," Peterson says. "If you let them off the leash, keep them in visual contact." That way, the "dog days" might just be some of the best days of the year that you and your dog will enjoy.




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Prepare your dog for the hurricane

Wednesday, August 19, 2009



by Margaret Svete

With the news of tropical storms Ana and Claudette and Hurricane Bill churning in the Atlantic, its a good time to make sure you have a hurricane plan that includes your dog. Here are some must haves for your dog's hurricane kit:

  • two week supply of food and water.
  • food and water bowls
  • ID tags with your telephone number
  • collar and leash
  • dog crate
  • medications
  • first aid supplies
  • favorite toys and treats to comfort your dog
  • recent photo
  • pick up bags to clean up after your dog
  • up-to-date health records
If you find you must evacuate for any type of emergency, don't leave your dog behind. It may be days before you are permitted to return to your home.  If you are going to stay with friends or family, make sure your dog is welcome. 

The next best option is to check into a dog-friendly hotel or motel.  There are many dog-friendly hotels, including large chains such as Holiday Inns and Residence Inns.  Call ahead to see if there are any breed or weight restrictions for dogs.   You can find a list of dog-friendly motels at www.petswelcome.com

As a last resort there are several dog-friendly hurricane shelters. These are the least desirable options as they will be very busy and noisy, adding to your dog's stress.  Also dogs are usually kept in a different area from their owners.  Pet-friendly shelters do limit the number of dogs they accept so its important to check early for availability.


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Research shows dogs can perform basic math

Tuesday, August 18, 2009



Ever wondered how smart your dog is? New research says he/she could be as intelligent as a 2-year-old child.

This news comes from canine researcher Stanley Coren who insists that dogs are more like humans than we think.

Dogs are very intelligent, and have the ability to learn commands over time if trained by somebody who knows what they are doing. Dogs play a huge role in society, both as pets and therapy dogs, to bomb detecting and rescue work.

Speaking at the American Psychological Association’s convention in Toronto, Coren stated that our beloved 4-legged friends may even have the ability to perform basic math.



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Impress your friends with canine facts

Thursday, August 06, 2009




Did you know that the term "dog days" has more to do with astrology and the constellation Sirius than with our canine companions here on Earth. These and many more fun dog facts could be discovered from a new book  "BowWOW! Curiously Compelling Facts, True Tales and Trivia Even Your Dog Won't Know" (HCI, $14.95, 224 pages). Enjoy!

The problem with panting: Dogs have very few sweat glands. There are some in the paw pads, so dogs do sweat from their feet and from other relatively less-furry regions of their bodies. But the primary way dogs cool off is by panting.
Panting is very rapid, shallow breathing that enhances the evaporation of water from the tongue, mouth and upper respiratory tract. Evaporation dissipates heat as water vapor. Panting can reach frequencies of 300 to 400 breaths per minute (the normal canine breathing rate is 30 to 40 breaths per minute). Yet it requires surprisingly little effort. Because of the natural elasticity of the lungs and airways, panting does not expend much energy or create additional heat.

Drink up: The average daily water intake for a dog is about 3 ounces for every 5 pounds of body weight, so a 25-pound dog would drink about a pint of water per day under average conditions. The amount goes up if the weather is hot, the dog is exercising or both. Depending on whether a pet eats canned or dry food, up to half of a pet's daily water consumption can come from food. Dogs drink a lot of water, not only because they need it for normal bodily functioning, but also to create moist nasal mucous to help them with their keen sense of smell.

Computing "dog years": The idea that one year of a dog's life equals seven human ones isn't accurate – but the formulas to replace that easy-to- remember computation are too complicated to ever really catch on. The first eight months of a dog's life equal 13 years in human terms – birth to puberty, in other words. At a year, a dog is a teenager, equivalent to a 16-year-old human, with a little filling out still to do. After the age of 2, when a dog is about 21 in human terms, every dog year equals approximately five human ones. But then you have to adjust for the fact that small dogs live longer than big ones.


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