Is older dog health insurance for you?

Is older dog health insurance for you?
Is older dog health insurance for you?

Pet insurance has its own set of complicated rules. And it gets even more complex when it comes to older dog health insurance. If you’re determined to get one for your fur buddy, you should know the special terms and conditions that apply.

For one, many insurance companies are not too keen on insuring older dogs, because the costs of their treatment are usually much more expensive. Some of them have an age limit of around 8 to 12 years. However, if your dog has been insured early on, there’s more likelihood that the insurer would be willing to cover the rest of your pet’s life.

Some insurers that impose an age limit for senior dogs that are getting insurance for the first time are Purina, 24PetWatch, and Pets Best.

Pre-existing conditions are not covered

Many people hold off buying pet insurance when their pet is young and healthy, figuring they will get insurance when their pet is older and needs more expensive care. However, if your pet comes down with an illness or condition or even shows signs of a particular illness or condition, any pet insurance you subsequently buy will exclude this condition from coverage. (Read more here)

Another consideration would be the type of coverage. Some insurers would only insure pets against accidents, such as getting hit by a car or getting mauled by another dog. Some of them, will exclude palliative care or treatment for illnesses—this one is much cheaper and more affordable.

Getting insurance is a smart choice if you’re worrying about the costs of treatment when your old buddy needs it. Just make sure that the coverage you have in mind is specifically addressed by the insurance policy; otherwise, you’re practically paying extra for something you might not even need in the first place.

Learning What Pet Insurance Is All About

httpv://www.youtube.com/watch?v=_d9YjM8Q9w0

The Veterinary News Network did a direct comparison of one test case using four popular insurance companies. There are many companies with many different coverage limits, deductibles, restrictions and even add on coverage. We only had time to look at four companies. But we gave them the exact same case for a head-to-head comparison. You may be surprised at what
they found.  You’d think that all of the companies would be fairly similar, but that’s not quite what was found.  You want to pay attention to the limits to the coverage that the insurance plan offers. This could really be the difference between getting your pet the care they need easily or not.  This is a great video to help you understand what you are looking for in a good coverage for your furry friend.

Keeping Dog Arthritis At Bay

Keep your dog active as much as you can, early on.
Keep your dog active as much as you can, early on.

20% of dogs suffer from arthritis. The odds are even worse with your older dog, as arthritis is most common among dogs in advanced age. Nobody wants to see their precious dogs stumble and limp about—so before it comes to that, you might want to err on the side of caution and take note of senior dog arthritis treatment methods that prevent this debilitating condition from getting worse.

The first step you have to take is to regulate your dog’s diet and nutrition. If your dog loves food, you don’t have to reduce their food intake or impose a strict diet altogether. What you can do instead to help regulate your dog’s weight is by replacing their calorie-high foods with a low calorie-diet regimen. There are even dog foods exclusively made for senior dogs, which are rich in calcium, omega-3 fatty acids, fiber, and antioxidants.  If you don’t find the nutrients you’re looking for, you might also want to whip up your own low caloric recipe for your furry friend.

It will also be necessary to purchase certain things, all for the good of your older dog, such as a warm cozy bed and ramps.

Keeping Dog Arthritis At Bay

All elderly pets appreciate a warm bed. Safe heating pads are available to ease the aches and pains that come with arthritis. I prefer electric mats that are encased in water proof plastic and have a chew-proof cord. Purchase one that can not rise above 102F. Make entry and exit from your pet’s bed as easy as possible with at least one low side. Be cautious if your pet can not move away from the pad, should it get too hot. Puppies and elderly dogs are more susceptible to heavy flea infestations because their immobility assures that they are always conveniently available to the fleas. Fleas can get out of hand rapidly in both the very old and the very young. If there is a possibility of a flea problem, be sure bed liners can be easily run through a dryer cycle and use one of the modern topical products to control fleas on your pet.

Wood ramps, covered with carpet are a real help for pets that can no longer climb stairs. Just be sure they are stable. Make the slope as gentle as possible. Keep one that hooks securely, in your car to help your pet get in and out. Canvas slings work well for this too.

If your pet is no longer able to get about, there are, slings, carts and other apparatus that you can purchase to return some of its mobility. There are online stores that specialize in meeting the needs of disabled pets.  (Read more Here)

You might want to join your senior dog for a daily moderate exercise, as this has been proven to help slow down the effects of arthritis. If it’s been a while since you’ve taken your dog for a 30-minute walk or haven’t played with them for some time now, this is your wake-up call.

Also, you may not have heard of this before, but good nail care will also help in arthritis prevention. By clipping your dog’s toenails regularly, they can work normally and won’t have to adjust their gait and put pressure on their joints and ligament.

The steps I just  mentioned may sound like a lot of work, but in the long run, making these changes will help your senior dog live a fuller life. Isn’t that what every pet owner would want for their cherished senior dog?

Tribute To The Dogs We Love | Video

httpv://www.youtube.com/watch?v=FAlE7fMYXaU

A dog is so often more than just a pet.  They are there for us when we are sad, when we feel alone, when we don’t know what we are doing, when we are feeling mean and when we are going through the hardest times in our lives.  They are there for us the same at these times as when we are on top of the world, when we are happy and secure and enjoying life.  A dog knows what love is…they understand unconditional love and have so much to teach us, if only we are paying attention.

As they age and get older, we begin to really reflect on all that we have been through together.  Every happy jump, every unexpected lick, every howl, every stretch and yawn, every time they laid on your foot or lap or chest, every fetch, every stolen bite of food off your plate, the guilty eyes and the big lolling tongue hanging out their mouths; all these take on a new and more profound meaning.

There is just not enough words to say all that they meant to us.  This poem and this music barely covers it.  But it’s a start.  We love you! We are so happy to have had you in our lives and as our best friend!

Pets?  I don’t think so.  My dog is my family.  I’m sure you feel the same.

What to Expect from Your Senior Dog

Sure, he's a little white on his muzzle, but he's still a puppy at heart! Show him how much you love him!

Dogs get older just like their owners do, though their life span is relatively shorter. And just like humans, biological and physical changes are parts of their normal aging process. You may notice them as your pet continues to show them. But before you panic, be sure to set a regular appointment with your pet’s veterinarian to know what’s good for well-being of your aging dog.

Frequent visits to the veterinary clinic will help treat any medical problem and diagnose chronic diseases. Knowing what to expect from your senior dog will help you cope up with the changes, thus learning how to handle them. Who says these physical and biological changes have to stop you from spending more time with your dog and continue doing the things you both love to do?

Here are just some of the things you need to know about your aging dog.

What to Expect from Your Senior Dog

Slowing down – You may notice that you dog slows down some with aging. This isn’t always the case, but look for subtle changes in how s/he gets up, lays down, and uses stairs.

Graying around the face, muzzle – One of my dogs went prematurely gray at two years of age, but most dogs commonly show a bit of gray starting at middle age (5-6 years).

Reduced hearing – Is your dog hard to wake up after sleeping or does s/he become startled easily if you approach from behind?

Cloudy or “bluish” eyes – As they age, dog’s eyes often show a bluish transparent “haze” in the pupil area. This is a normal effect of aging, and the medical term for this is lenticular sclerosis.

Muscle atrophy – Mild loss of muscle mass, especially the hind legs, may be seen with old age. (Click here to learn more about what to expect from senior dogs and how to care for them)

All in all, it’s important that as an owner, you are aware that your pet ages faster than you. But through the implementation of better nutrition or balanced diet and regular veterinary check-ups as well as excellent care coming from you, you may add a few years to your dog’s life.

Now that you know what to expect from your senior dog, it is now your responsibility to keep him happy and healthy during his geriatric years. Who knows? He may be wagging his tail at the front door and licking your face for a few more years to come.