Archive for August, 2007

Pet insurance keeps blood flowing

Veterinary medicine has made great strides over the last few years as pet owners show more willingness to spend. A report from the US highlights just one example.

The Washington State University Teaching Hospital (WSU) now has a very successful dog blood donor programme, collecting blood from 500 to 1,000 dogs a week and around 150 cats. It sells this blood around the world. The demand for its product has shot up, as more affluent pet owners are paying for life saving surgery that requires blood transfusions.

The rise in the popularity of pet insurance in the US is also a key driver. According to the Humane Society of the United States around 4 percent of US pet owners have some form of pet insurance.

WSU recruits pets from the student and faculty staff, as well as the local community. Candidates need to weigh between 60 to 90 pounds and have a relaxed personality. The procedure just takes a few minutes and donors are rewarded with a biscuit and lots of positive praise.

Pet insurance time bomb

As pet health care improves, the life expectancy of the average pet increases. While good news for owners, it inevitably throws up a whole series of issues for pet insurance companies.

These companies are already well aware of the greater risk of insuring older pets and generally cover themselves by charging a higher premium. What is becoming more apparent however is that ill health in geriatric cats and dogs particularly affects the brain. Recent studies, including one published in the Journal of Small Animal Practice, reported the build up of beta-amyloid plaques in the brain of old cats, similar to that found in the brains of humans with Alzheimer’s disease.

While there are no definitive figures on pet dementia, veterinary practices commonly see older animals with cognitive dysfunction. This can display itself in a number of ways, including inappropriate barking and toileting habits.

The advanced technology used in human medicine for diagnosing dementia is slowly creeping into veterinary medicine – with the increasing availability of brain scanning machines costing hundreds of thousands of pounds. Therefore the cost of this type of diagnosis and subsequent treatment is expensive. Will owners of older pets be willing to pay the increase premiums to cover this type of treatment? If spending on other areas of the pet market are anything to go by, then the answer is an emphatic yes.

The benefit of pet insurance at work

A company that offers its employees pet insurance as a benefit - surely not! Yes, the Olive Garden Italian Restaurant does just that. It makes perfect sense. An employee who is worried about their pet’s health is probably not going to be a happy, productive worker. In times of stress, pet owners should be able to look for support from their employers. By taking care of the vet bills, companies are going the extra mile - something that should be applauded by everyone involved in the welfare of animals.

Claiming for your pet on travel insurance

Travel insurance specialist, Go Travel Insurance, has reported on the most bizarre claims it has received. One was from a dog owner who wanted to make a claim on his travel insurance policy for an operation on his dog. The owner believed he could make the claim because the dog was at home being looked after by a friend while he was away on his holiday!

US consumer leads the way to pet boom

The American Pet Products Manufacturers Association forcasts that the US consumer will spend a stunning $40.8 billion on its pets this year - with $9.8 billion of that going to veterinary care. Vet practices in the US are gearing up to meet the need, offering ever more complex treatments, including hip replacements. With more owners content to part with large sums for surgery of this type, the US pet insurance market should make great srtides over the next few years.

Canada falls behind in race to insure pets

While many pet health professionals complain about the lack of insured dogs and cats in the UK, it seems things are much worse in Canada. The largest Canadian pet insurance provider (according to figures quoted by Randy Valpy president of SecuriCan General Insurance Co) claims that only 110,000 pets are covered - that’s less than one percent!

Pet insurance confuses UK public

Should UK pet insurance providers be making things simpler for consumers? After all, less than 20% of UK dog owners take out a pet insurance policy. Various surveys have suggested that it’s not just lethargy that stops owners buying protection, but genuine confusion about what’s on offer. As the choice of policies grows, will this confusion only get worse?

Obesity in US pets leads to rise in pet insurance claims

US pets are obese - that’s official. Various studies suggest that anywhere between 25 to 40 percent of US pets are overweight. This distressing fact is reflected in the rising number of weight related claims being processed by leading US company, Veterinary Pet Insurance (VPI). The company has released figures for 2006 showing that 7 percent of all medical claims submitted to VPI were obesity related.

US pet insurance company doubles business

Good news from the Hartville Group which provides pet insurance in the USA. The group announced today (August 15) that it had doubled the number of pets insured from 26,055 to 51,368. The CEO commented that despite a fragmented market Hartville is well placed to take advantage of this market.

Farewell to the old and hello to the new

Buddies pet insurance - Alsatian

The time has come to bring new blood into the gang. Four of my most unsatisfactory members have left, after some persuasion from me, and a report on their performances over the past months, drawn up by my number two, Gus, the Alsatian.

I decided to give this task to Gus as a way of keeping him alongside during these difficult negotiations. He took a lot of persuading to carry out the job, as he was not in favour of getting rid of any gang members in the first place.

I had to hint that his position in the gang depended on him and I working closely together and as their leader I was entitled to fob off (not a word I used to him) some less pleasant tasks to him.

As usual, he took it with some grace and agreed that he was probably the best dog to draw up the report.

The day of this final meeting for the four was one of the few bright sunny times of the whole month and it contrasted deeply with the gloomy atmosphere in the barn. Even I, not known to be affected by such thoughts, was feeling a little apprehensive and received the woeful looks of the gang members as I walked in with as much dignity as I could muster. It would never do to let them think I was anything but cheerful and sprightly in gait.

Gus’s report was quite short and outlined where each dog had failed: the vicar’s beagles had been more than usually hang-dog (excuse the pun) in expression for several weeks, almost reverting to tears when asked to perform even the simplest task; Peaches the poodle, owned by Dr Jack Simpson, hated performing anything which seemed to interfere with the immaculate look of his coat (Gus described him as a lazy dandy), while Percy the Chorkie, the Yorkshire Terrier/ Chihuahua cross and pampered pet of Mr. and Mrs Cousins, was as dim as we always believed these cross breeds to be. Gus, of course, saved his face by saying Chorkie was not really fit for any purpose except eating and sleeping and left out his remarkable lack of brain power.

He was heard in silence, even from those who knew their days as gang members were drawing to a close. Gus and I had deliberated whether they should be given a week’s notice of expulsion, but agreed that as they would not know what this meant, we should demand a clean break and immediate cutting of ties.

Everyone looked to me. I made the usual speech filled with platitudes, thanking them for their loyal service and wishing them well in the future. They did not appear to know what to do next. Had they had any brains between them they would have recognised that now was the time to leave, but they just stood there looking bemused.

Now was the time to show leadership. I politely pointed with my tail to the barn door and with curt nod of the head said goodbye. It finally sunk in even for these dimwits that it was time to depart.

Slowly they turned and walked, with some composure I had to admit, out of the barn. The deed was done and I had room for four replacements. I immediately set about introducing to the remaining gang members who I was considering bringing in.

Of course, it seemed rather spur of the moment to them, but in truth I had given this much thought and had made up my mind a long time ago.

I wanted strong members who would be obedient and pose no threat to my leadership, so first I named Billie, a Border Collie with great herding instincts who I could rely on to keep the gang in check when they were out in a group.

He belonged to farmer Wright in the next village whom I had already approached with a tentative suggestion that he might like to join us. His response had been quite positive.

A Bassett Hound would be useful as their short legs made them ideal for slow hunting – which would no put too much pressure on those of us getting on in years and not so nimble of foot. Charlie from the house at the end of the village should do nicely.

The Airedale Terrier, Aaron, lived quietly two villages away and was known for his hunting and swimming skills, always alert and quite fearless. A sense of humour is always a useful asset and Aaron has that in abundance. A useful chap to have around.

I have not yet decided on the fourth choice and announced that I was considering applications from other breeds in the area. I also asked for suggestions, which is always a good way to pretend to consider their choices before turning them down, Makes the lads feel as if they are part of the selection process.

The new-look gang will meet in two weeks for their first pep talk from me. It will also serve as a reminder to those saved in this first cull that they had better buck up their ideas if they are to remain members.

It was no bad idea to show them that replacements were readily available if they step out of line.

Gus and I must now lie down to discuss a programme of future events.