Archive for September, 2007

Buddies launches pet catalogue

Buddies launches pet catalogue for new puppy owners, offering a showcase for 30 innovative products.

Market Harborough, UK: Buddies today announced the launch of a pet product catalogue, with an emphasis on items designed to help new owners cope more easily with puppy training, travel and safety. Featured products include the innovative Simple Solution training pad with its scientifically formulated scent that attracts puppies – a sample of the pad is attached to the catalogue.

Savings of up to 15% are available on key items such as a puppy training kit, which includes a hands-free treats bag, lightweight indoor lead, bad behaviour spray and a socialisation sounds CD. Safety products include an innovative security leash that features a simple two-number combination lock at each end and an adjustable dog barrier.

“The merchandising team have done a great job, sourcing hard-to-find products that really help new owners,” said Buddies managing director Marianne Metaxas. “The catalogue delivers on our promise to make life with a new puppy easier.”

The catalogue will be distributed via the Buddies Puppy Pack®, which is given to new pet owners at first vaccination through a network of over 2,000 vets, or at selected dog breeders. Customers can order items directly from Buddies using a postal form, calling an order line on 0871 226 1820 or going online at www.buddiescatalogue.co.uk

Pet insurance - beware of negative messages

A US vet, Dr Larry – expressing his point of view in the blog ‘Scratchings and Sniffings’ – makes some good points about the negative ways pet insurance products are marketed in the US.

His first observation is that some pet insurance companies suggest that a policy can provide ‘protection against high vet bills’. As Dr Larry points out, this is misleading – the vet receives the same fee whether the customer is insured or not. Insurance companies do not benefit from a different fee structure to the general public.

He also highlights how the often-used phrase ‘rising vet bills’ is used as a scare tactic. While it is true that vet bills are going up, this is a result of practices being able to offer treatments that were simply not available in the past. Some of these are extremely complex and by their very nature expensive.

Buying pet insurance from your vet?

When faced with an anxious pet owner, most vets would prefer to talk about medical issues rather than the cost of treatment. Knowing that a client has adequate financial cover makes the conversation easier – in short, vets prefer insured clients. So it should come as no surprise that even when owners can pick out a pet insurance leaflet at their local supermarket checkout, around one in five new policies in the UK are still purchased following recommendation at a veterinary surgery.

Before January 2005 all veterinary surgeries could recommend, or sell policies of their choice. The position changed on the 14th January 2005, when the Financial Services Authority (FSA) took charge of regulation in this area. Pet insurance was caught up in an industry-wide push to reduce the miss-selling of financial services which hit the headlines in the 1990’s. The FSA was anxious to ensure that advice to would-be purchasers should only come from a knowledgeable source.

Following this change in the regulatory environment, the position today is clear. All veterinary practices are still able to market pet insurance, they can provide information on the concept and offer marketing literature for as many pet insurance companies as they want to. What they cannot do is sell a particular policy unless they have been ‘authorised’ by the insurance company whose product they are selling.

An insurance company that chooses to ‘authorise’ vet practices to sell its products, is expected to ensure that the sales person thoroughly understands the product they are selling. The practice personnel should be able to offer knowledgeable advice. They can provide a proposal form to a client for the insurer’s policy and even help complete an application from to help the client obtain cover.

While many veterinary practices decided to become ‘authorised’, others chose not to. After all, vets and nurses spend years training to treat animals, not to sell financial services products. Keeping up with the changes in this increasingly dynamic market can also take up valuable time. Some argued that becoming ‘authorised’ made them less impartial, it could also put them in a difficult position if the policy did not live up to the client’s expectations.

Where does all this leave you the consumer? Hopefully in a stronger position, now you know what to look for.

If your vet practice actively sells a policy, make sure they are ‘authorised’ to do so. Ask lots of questions, they should be trained to answer them. Even if they actively promote one particular policy this does not stop them offering literature about other products in the market.

If your practice has chosen not to be authorised, they should still be able to provide you with information on pet insurance. Shop around, this is an important purchase that could save you thousands of pounds, so choose carefully.

Buddies celebrates six year anniversary

Buddies distributes 2.5 million puppy and kitten packs through UK veterinary surgeries and dog breeders.

Market Harborough, UK: Buddies today announced that it had shipped 2.5 million puppy and kitten packs since the launch of its sampling programme in 2001. The milestone confirms Buddies as the largest independent sampling operation in the UK companion pet care market.

New pet owners are given a free Buddies Puppy Pack® or Kitten Pack® at first vaccination through a network of over 2,000 vets, or selected breeders. The packs contain a pet care guide, product samples, a toy and pet-related literature.

“This was a brand new concept when we launched it six years ago,” said Buddies managing director Marianne Metaxas. “Now our packs are the largest single source of puppy and kitten care advice in the UK, reaching thousands of new owners each week. ”

Independent research* of veterinary practices handing out the Buddies packs, revealed that 98% agreed that it was very important to give clients information at first vaccination.

About Buddies Pet
The company is a leading provider of Point of Market Entry (POME) sampling in the UK companion pet market. The Buddies Puppy® and Kitten Pack® service was launched in 2001. This was followed by the introduction of Buddies pet insurance [Buddies pet insurance|http://www.buddies-direct.co.uk] which provides ongoing cover for both dogs and cats.

ends

* Research carried out by NSM Research

Tuffy’s sorry tail – a salutary lesson

The Cadillac News has carried a report on what must be one of the USA’s unluckiest dogs. Tuffy has been through a great deal of medical care - in just seven years she has cost her owners in excess of £2,500.

Tuffy has survived four surgical procedures already. It started five years ago with a simple ear infection, which was misdiagnosed leading to further complications. Then there were bone problems, a requirement for specially designed leg braces and concerns for her eyes. Currently her team of vets include an ophthalmologist and an orthopedic surgeon. Unfortunately the owners hadn’t taken out pet insurance policy.

Choose your puppy with the help of a pet insurance website

The Internet is full advice for would be dog owners. Some of it can even be quite useful, helping responsible people make the right choice to suit their individual circumstances. Many of the suggestions are simple common sense – pointing out for example that a Great Dane, standing around 70cm tall and weighing 45kg, might not be a suitable pet for a pensioner living in one-roomed sheltered accommodation.

However, the internet also offers easy access to very valuable information too. Pet insurance websites can actually help owners measure the potential risk of vet bills based on the breed of dog. Vet bills form a substantial part of most owners’ on-going costs.

Some owners will choose to budget for this by taking out a pet insurance policy, while others may decide to risk it, hoping that their dog will be one of the lucky ones. Measuring this risk is actually a full time job for some people. Known as actuaries, these risk assessors spend their working lives looking at thousands of vet bills. They then work out the chances of a particular breed suffering from medical conditions over a lifetime. This information is passed on to insurance companies, which can then set a premium based on this risk.

You can easily access the fruits of this research for themselves free of charge, through going to a pet insurance website like http://www.buddies.co.uk for example. By clicking for a ‘quick quote’ and choosing different breeds of dog you can see in seconds what a difference a particular breed makes to the cost of insurance. The more expensive the quote, the riskier the breed in terms of the likelihood of vet bills. So even if you choose not cover your dog, you can be aware of the risk a particular breed carries.

Armed with the information about premiums, you are better placed to make a more rational decision on the choice of puppy. But even if you decide that your preferred breed is a high risk and are willing to allow for the potential expense, you can take sensible precautions.

A good place to start is contacting a breed club. The UK Kennel Club website has a list of these, with most breeds represented. Generally these clubs are only too happy to help and offer great advice regarding health issues. Some medical conditions found particularly in pedigree dogs can be exacerbated by poor breeding.

Many top breeders (again take advice from the breed club) will screen their puppies for known genetic problems and are very careful about avoiding those associated with their breed. In fact, the Kennel Club already works with breeders to minimise the effects of exaggerated breeding. Jeff Sampson the Kennel Club’s canine genetics co-ordinator told an audience at the recent BSAVA (British Small Animal Veterinary Association) Congress: “We are beginning to see the seeds of progress toward better, healthier-looking dogs. With the correct selection, these breeding-specific problems could be bred out within just three generations.”

Avoiding risk altogether is impossible, but with a little research on the Internet you can substantially reduce it and avoid visits to the vet.

About the author:

Avi Levine is Chief Operating Officer of Buddies, specialists in pet insurance (http://www.buddies.co.uk). Read their blog at http://www.buddies.co.uk/pet_insurance/.

A Guide to Pet Insurance

Many pet owners don’t consider the cost of vet treatment until they are handed a bill – usually when they take their puppy in for its initial vaccinations. During this first visit, practice staff may try and actively promote a particular pet insurance policy, or give out leaflets from a range of providers. But as these policies give cover for unexpected, not routine or preventative treatments, why bother? How likely is the unexpected?

Pretty likely as it happens. Each year, one in three insured dogs will require treatment that results in a claim. This is against a background of rising bills, as the range of treatments and diagnostic services on offer is improving all the time. Vet bills of £200 are common and if the condition affects the patient over a lifetime, the cost can run into thousands of pounds.

Choosing the right policy

Having decided that the concept is a good one, how does the owner choose a pet insurance policy that’s right for them. Prudent owners shop around, there’s plenty of choice, with lots of different products on offer. Most insurance companies are happy to provide a quote over the phone, or via their web site.

The vast majority of pet insurance policies fall into one of two types. Generally the cheapest are annual policies where the obligation to pay out on claims runs out at the end of 12 months. This is fine, but the treatment for certain conditions can run for longer, even the lifetime of the pet. This is where policies that provide on-going cover win out. As long as the customer continues to pay the premium, the policy remains in force.

The cost of the policy is determined by a number of factors. The most obvious is the amount of cover on offer. Quite naturally a pet insurance policy that offers cover of £5,000 is going to be more expensive than one that provides £1,000 cover. The age of the pet is also a key factor, the older the animal the more expensive the policy. This is simply because like humans, older pets are more prone to illness than younger ones. Some insurance companies will not even provide insurance for pets over 8 years old, because they are considered an unacceptable risk.

Not only vet bills

As well as protecting policy holders against vet bills, some pet insurance policies will provide extra benefits. These include third-party liability cover. As the UK population is becoming increasingly ready to sue for damages arising from the actions of others, this could come in handy.

Not all vets charge the same – this is a private healthcare system, so individual practices are free to set their own prices. Therefore, most pet insurance companies will also adjust the premium based on the postcode of the customer. Not surprisingly London comes out as the most expensive.

The breed of pet is another consideration. Pedigree dogs will cost more to insure than a cross-breed, because they are more prone to genetically determined conditions. Some breeds are renowned for being ‘sickly’, so as well as checking with a reputable breeder before buying, it’s also worth getting an insurance quote.

Responsible pet ownership requires an owner to have a thorough understanding of the costs involved. With vet bills taking a bigger slice of the budget it makes sense to plan ahead and be protected.

About the author:

Avi Levine is Chief Operating Officer of Buddies, specialists in pet insurance (http://www.buddies.co.uk). Read their blog at http://www.buddies.co.uk/pet_insurance/.

Pet insurance comes to Czech republic

The largest private insurance company in the Czech Republic is now offering pet insurance. The new product – simply called Pet – is available to dog owners. The policy covers vet fees resulting from accident and illness, as well as third party liability. The launch date is September 3, with premiums calculated based on the pet’s age, weight and cover limit.

Helping to catch a criminal

Great excitement last night at the Vet’s house. I was snoozing, dreaming about food – the most prevalent subject as I get older – when there was thunderous banging on the front door.

Instinct told me that it was the early hours, well before dawn, and the Vet confirmed this by opening a first floor window and screaming down demanding to know who was it seeking his attention at this, what he termed, “ungodly hour”.

Back came the reply: “It’s the police, we need to get into your back garden”. Only then did I notice the three cars on the drive each with a blue light flashing urgently. There must have been at least six policemen on the front lawn, torches in hand busy searching the shrubbery.

The Vet, never in the best of moods when woken suddenly from a deep sleep, shouted back: “I am not opening the door just in case there is someone out there, I will throw down the key.”

Coward as usual, the Vet obviously realised the police were searching for someone, and was afraid to open the door in case the intruder might rush into the house. Did he not realise the place was practically surrounded by policeman and no one could have got through that cordon?

The gate to the back garden was always kept locked and it was too high to climb over so the need for the key was pretty obvious, even to me.

Another clue that something was indeed not normal, was the roar of a helicopter overhead flashing its huge searchlight all over the house and garden, lighting up the whole area like a Christmas tree.

The Vet was watching all this from the window and I had jumped on a chair in the sitting room to get a better view. The policemen were talking urgently into their radios obviously trying to direct the helicopter light into the places they could not search on foot, when I noticed they had brought with them a sniffer dog, a beautiful Alsatian who looked like the twin brother of my number two Gus.

I sneaked through the flap in the kitchen door and ran outside to have a word with this fine-looking fellow. He was busy chasing around on orders from his handler and I caught up with him in a particularly dense group of bushes.

I asked him to slow down for a word and tell me what the commotion was all about.
Escaped prisoner, he panted, very dangerous and, ignoring frantic calls from the handler, sat down for a quick rest.

I sat next to him and asked the usual questions about where he was based and if not far away, would he like to join my gang. What an asset he would be, I thought, all that training could be put to good use in so many ways.

No time, he replied, too busy at his work and he was about to get up when a thought occurred.

There is a secret corner at the far end of the garden, I told him, where quite often the gang met and no human ever ventured. A desperate man would ignore the sharp bushes and could hide away for days.

I pointed out where this was and off he bounded barking furiously. The handler and numerous policemen followed and a few moments later came the cries of a man they found hiding there.

The following morning the Vet excitedly told Mary the housekeeper about the events of the early morning and said the police had nothing but praise for their dog who they gave credit for the catch.

He said the dog and handler could expect a commendation for their valiant efforts. I sat down in my favourite corner pleased with my part in the capture. Then I nodded off making up for lost sleep. The dream was again about food.

Brutus saves the day

Solving the communications problem between myself and Sushie, the visiting French bulldog, has become something of an obsession. While the two vets happily spend hours chatting away, we dogs lie glaring at each other.

I tried everything I know in the way of codes to make an impression on that bulldog, but nothing worked. Blank stares and liberal dribbling on the carpet were all I got in response.

The impasse was becoming embarrassing. After all, Sushie was in some ways my guest and I was expected to take over a few of the duties of his owner and introduce him to my favourite walks.

I was sure he would follow me if I indicated that this was my intention. Language was not needed, just a sharp nod of the head should do it. How wrong I was.

The few times I made him understand that were going out, the stroll was carried out in complete silence - not my idea of fun and I am sure Sushie felt the same, although I had no way of finding out.

Time for some thinking outside the box, as the Vet is fond of saying. Lateral thinking was the answer, I thought. If I cannot communicate who should be able to make Sushie understand? Did I know anyone in our canine world who might come to the rescue. I wandered out into the garden and for once Sushie followed without prompting.

As I paced round and round thinking hard, Sushie sat down and had a good scratch, then a wide yawn and finally a contented wheeze before falling fast asleep. Funny manners these foreigners.

Then it came to me just like a lightening flash from that part of the sky where dog deities dwell. I knew an Old English Sheepdog, now well past retirement but still not suffering from full dementia, who belonged to an old soldier living a few villages away. I had heard say that he was a former member of the French Foreign Legion, that elite fighting force the French run – and train - in their own language no matter where the recruits originally come from. That way they have to learn the language

The dog, Brutus, accompanies the old soldier everywhere and on quite a few occasions when our paths have crossed I have heard this foreign language being spoken to the dog.

The Vet was intrigued by the pair when they first came to his surgery. I heard him telling Mary our housekeeper that the old boy was a bit passed it, but did insist on talking to his dog in French. He - the owner - often arrived at our place with a chest full of medals pinned to his jacket and the Vet, jealous as always of anyone who has seen real army service, always wanted to know their history.

According to what he later related to Mary the owner had fought all over the world and spoke French to his dog because it reminded him of the “good old days”.

This was my answer.

Getting in touch with Brutus was no easy matter, but with the help of Gus, my second in command, he was approached and invited to a gang meeting .

I should make it clear that Brutus was what they call bi-lingual – the only dog I have ever come across who was equally at home in two languages – three if you count our own codes.

I have always considered myself pretty smart but even I have only one language plus the codes and made a resolution there and then to teach myself French, German, Italian or any one of those tongues they speak across the Channel.

Brutus came to our emergency meeting and before a fascinated gang proceeded to yell, bark and moan in a way completely unknown to us. In addition he made long sweeps of his tail in both directions in a pattern we were not familiar with.

Whatever it all meant – Gus thought we might have to call the Vet as the noises were getting so loud that we all felt unwell – it did the trick. Sushie suddenly became equally as agitated and joined in the horrible chorus.

They were actually communicating.

The rest of the visit went off without a hitch, although we were all relieved when Sushie and his master returned to their strange country with an even more weird language.