Insurance for Dogs: Flexible Coverage for Any Budget


Insurance for Dogs

The reason you need insurance for dogs like yours is because 1 out of 3 dogs suffer from an accident or injury before they turn 3 years old and it isn’t until you’re faced with a $3,000 bill for your dog’s emergency room services after she swallows a bottle of your Ibuprofen that you wish you had signed her up for dog health insurance.

This news brief will help you make sense out of the confusing insurance jargon you may have already read.  After reading this article, you’ll be clear about what’s covered and not covered through insurance.  Most people may not know that dog health insurance provides you flexible payment options that will fit any budget to keep your dog healthy. 

Insurance for Dogs:  What’s Covered and Not Covered

What’s Covered:

  1. Illnesses, Injuries, Accidents – With dog health insurance, your dog will be covered for treatment of new accidents, illnesses and injuries after your enrollment.  You may have a 2 week waiting period for dog insurance companies to check out your Insurance for Dogsdog’s medical records and notes from your veterinarian that would show pre-existing conditions which could prevent approval of insurance coverage.
  2. Hereditary and Congenital Conditions – Some dog health insurance companies cover your dog for hereditary and congenital conditions like eye disorders or knee issues.  This means that your dog could qualify for insurance coverage even if you may have thought these conditions were considered pre-existing.
  3. Unlimited Lifetime Benefits   Look for insurance for dogs with no annual or per incident limits.  Shop around for a plan with no incident caps or maximum limits.
  4. Customized Reimbursement – You can create a flexible plan that fits your budget with deductibles and reimbursement levels you can change as needed.
  5. Veterinarians, Hospitals, Specialists – You can select a dog Insurance for Dogsinsurance company that allows you to use any licensed veterinarian including animal emergency hospitals and specialists.  Your dog’s coverage includes: diagnostic testing, x-rays, hospitalization and treatments, surgeries and prescriptions.
  6. Hip Dysplasia – You can get lifetime coverage for your dog’s hip dysplasia, however you need to enroll your dog before she turns 6 years old.  Maryland and New Hampshire are the only states in the U.S. that don’t have a 12 month waiting period before hip dysplasia coverage takes effect.  This means you need to sign up for insurance for dogs with hip dysplasia before your dog is 5 years old for this coverage which requires a complete physical hip exam.

What’s Not Covered:

  1. Pre-existing conditions – Your dog may have a pre-existing condition like allergies or diabetes that has been treated by your veterinarian before your dog’s health insurance coverage starts.  No dog insurance company covers pre-existing conditions.
  2. Veterinarian exams – Annual veterinarian visits are not covered because this is part of the responsibility of dog ownership.
  3. Spay/neuter procedures – These procedures are not covered by dog insurance companies because they don’t qualify as an illness, injury or accident.
  4. Preventative care Insurance for dogs does not cover vaccinations or a titer test, heart-worm medication, de-worming, grooming and nail trim.
  5. Dental care – Your dog’s dental cleanings and care are not covered.  The only exceptions are when your dog’s teeth are injured in an accident which requires extractions or reconstruction.
  6. Behavioral treatments – Training, medications for behavioral conditions and therapy for behavioral modification is not covered by dog health insurance.
  7. Parasite control – Prophylactic treatments for internal and external parasites are not covered by dog insurance companies.
  8. Housing, Exercise and Food  Dog health insurance does not cover the cost of your dog’s housing, exercise, toys, treats and food.

This news brief gives you all the information you need to know about what’s covered and not covered by insurance for dogs.  You can use these points to find flexible insurance coverage for your dog that fits any budget.

Share this article with your friends and family so they have a checklist to use when they look for health insurance coverage for their dog.  You can always depend on the best dog health strategies from Dog Health News.

Add your comments about your dog’s health insurance experience below so others can benefit from your story.

SPECIAL BONUS — If you would like breaking news on how to NOT overpay for your dog’s healthcare costs and reduce the number of times your dog gets sick, then claim your FREE ACCESS to the “How to Control Your Dog’s Healthcare Costs” video news . Go HERE to get it FREE.

Can Dogs Eat Lemons? You May Be Surprised By The Answer

Can dogs eat lemonsCan dogs eat lemons or will your dog scrunch up his face and run the other way after you squeeze tangy lemon juice into his water bowl, because your dog may not like the zesty taste of lemon added to his favorite beverage, and even worse, your dog might avoid his water bowl altogether if he doesn’t like the taste.

This news brief gives you 10 reasons to run out to your grocery store and buy a large bag of lemons to help keep your dog healthy and add lemons to your entire household’s daily diet or skin care treatment.

Can Dogs Eat Lemons?  10 Reasons Lemons Keep Your Dog Healthy

  1. Alkalizer – Lemon juice alkalizes your dog’s pH level and can relieve the pain of arthritis.
  2. Anti-Oxidant – Lemon juice fights against aging, bacteria, cancer and tumors.  You can add lemon peel to your dog’s food to help keep your dog’s brain healthy and make your dog calm.
  3. Bad Breath – You can squeeze 1 or 2 drops of lemon juice in your dog’s water bowl and see how he likes it.  The lemon juice may help to keep your dog’s breath smelling sweeter.  Can dogs eat lemons?  We don’t recommend that your dog eat a whole lemon, of course.  Also, be sure to remove the seeds when you give your dog any fresh lemon juice.
  4. Cleanser – You can add lemon juice to your dog’s shampoo or to give your dog a good cleansing.  Another way to give your dog a rinse is to use a quarter cup of lemon juice and 2 or 3 quarts of homemade room temperature green tea.  If you’re worried about toxic chemicals in your household cleansers, you can use fresh lemon juice and organic apple cider instead. Can dogs eat lemons? Yes they can, and this means they can lick your floor if you washed it with lemon juice.
  5. Ear Infections – You can mix a teaspoon of fresh lemon juice with a pint of distilled water and use a soft cloth or cotton ball to wipe out your dog’s ears and keep them clean.  For ear infections, use a mixture of 1/4 teaspoon lemon juice and 3 tablespoons distilled water.  Put 2 or 3 drops of this mixture in your dog’s ears to help heal ear infections or get rid of ear mites.
  6. Eye Wash – You can mix 1/8 teaspoon of fresh lemon juice with 3 tablespoons of distilled water and put 2 or 3 drops in your dog’s eyes to treat an eye infection.  Warning:  Don’t use this lemon juice solution for pink eye because your dog may have conjunctivitis which is highly contagious.  Check with your veterinarian before you use lemon juice for your dog’s eye infections.
  7. Flea Repellant – Can dogs eat lemons and will that help with flea prevention?  The jury is out on the internal benefits of lemon juice to keep fleas away from your dog.  However, you can make a homemade spray with fresh lemon juice and water to help your Can Dogs Eat Lemonsdog fight off fleas.  Although lemon juice spray will not kill fleas, it may keep fleas away from your dog because fleas don’t like the smell or taste of lemons.  Rub lemon oil into your dog’s skin to increase the flea repellant strength of lemon as long as your dog doesn’t have any skin irritations or sensitivities.
  8. Frostbite – You can apply lemon oil to the tips of your dog’s ears to help prevent frostbite in cold weather.
  9. Miscellaneous Benefits – Dental health, detoxification, digestion, immunity booster, liver health, parasite prevention, urinary tract infections.
  10. Can dogs eat lemons? – The most important point is that a small amount of lemon juice or any part of a lemon is good for your dog’s health.  If you can add lemon juice or lemon peel to one of your dog’s meals every day, you may help your dog increase his immunity and stay healthier.  

Can Dogs Eat Lemons

Note:  Dog Health News suggests that you use fresh lemons only and does not recommend the use of bottled pasteurized lemon juice because the healthy properties of lemons may be compromised in the processing.  Be sure to keep lemon juice, oil or spray away from your dog’s eyes and any open wounds because lemon juice stings and can irritate your dog’s eyes.

This news brief gives you 10 reasons to add some lemon to your dog’s diet or use lemon juice and lemon oil as a topical treatment to keep your dog healthy or free of fleas. Can dogs eat lemons?  Remember to keep the amounts of lemon juice appropriate for your dog’s size.  With all these benefits for your dog, you can feel free to use the lemons in your kitchen as an inexpensive strategy for dog health.

Share this article with your friends and family so they have the benefits of lemons and lemon oil for their dog.  You can always depend on the best dog health strategies from Dog Health News.

SPECIAL BONUS — If you would like breaking news on how to NOT overpay for your dog’s healthcare costs and reduce the number of times your dog gets sick, then claim your FREE ACCESS to the “How to Control Your Dog’s Healthcare Costs” video news . Go HERE to get it FREE.

Dog Health News: 8 Frustrations Dog Owners Kvetch About

Dog Health NewsDog Health News knows you may get frustrated with your dog in addition to all the decisions you have to make as a dog owner so we took a survey to discover the reasons that dog owners want to argue, complain or even scream about the responsibilities of dog ownership, because the last thing you want to do is have additional stress in your life after you brought your dog home and then realized it wasn’t as easy as it sounded to raise your dog.

This news brief gives you 8 frustrations of dog ownership so you don’t have to whine and grumble about the tasks and challenges that you have with your dog.

Dog Health News: 8 Most Frustrating Things Dog Owners Talk About

  1. Your veterinarian doesn’t know what’s wrong with your dog – There’s nothing more frustrating than not getting an answer about what’s wrong with your dog especially when your veterinarian isn’t able to give you ways to help your sick dog feel better.  You could get second and third opinions, do research on the internet and consult with your friends, who may have had the same health issue with their dog, however this takes hours out of your day and can add up to additional dog medical expenses with little or no results. Although Dog Health News may not have a solution for your frustration, the best strategy is to be persistent about your search for the best veterinarian for your dog’s healthcare and don’t give up.
  2. Teeth cleaning is difficult – Yes, you are not alone if your dog is not thrilled about having his teeth brushed or even having your hands in his mouth for any reason.  If you’re a new dog owner, the best plan is to work with your veterinarian and a reputable dog trainer who can help you familiarize yourself with your dog’s mouth so that you can perform simple teeth cleaning steps that will reduce the chances of dog dental disease for your dog.  Dog Health News highly recommends that you start early so your dog enjoys having his teeth brushed or gently massaged to help prevent gum disease and other dog dental health problems.
  3. Your dog is fussy about food – This is a tough situation when your dog won’t eat certain foods and you become frustrated because of the time and effort it takes to search for nutritionally balanced food for your dog and he walks away from his food dish.  Work with your veterinarian and find a dog nutrition expert who can help you discover healthy foods your dog will enjoy.  Dog Health News wants you to know that your dog could have allergies or other health conditions that might cause him to stay away from the foods that bother his throat and intestines. 
  4. Dog Health Insurance costs – There’s a great deal of controversy about the value of dog health insurance which leads to only 1% of all dog owners in the US signing up for dog health insurance.  You may want to look into a few companies who offer dog health insurance and ask questions about the benefits for your dog as well as the options including the deductibles.  Dog health insurance is one of the financial strategies that Dog Health News recommends you investigate so you can take better care of your dog in case of illness, accidents and injuries that could happen to your dog.
  5. Walking your dog in bad weather – No matter where you live, there will be a day that you just don’t want to walk your dog and it’s frustrating when you have to deal with torrential downpours or drifting and blowing snow, however, your dog really needs to Dog Health Newsget outdoors to do his business unless you have trained your dog to use doggie diapers and pads.  If there’s one tip that could reduce your frustration, Dog Health News asks you to think about how frustrated your dog would be if he couldn’t relieve himself in bad weather.  You’ll be right out the door in any kind of weather from now on with the knowledge that your dog will have a healthy body and not be tempted to relieve himself in your home.
  6. Not enough time to exercise your dog – If you can’t find enough time to exercise your dog, you may simply need to review your daily routine and see what you can eliminate so you won’t be frustrated about the amount of time you spend with your dog for play and outdoor activities.  Dog Health News also encourages you to talk with your dog trainer and see what type of indoor activities you can add to make sure your dog is fit and trim.  In the end, you and your dog will be happier, less frustrated and in top physical shape for sure.
  7. Owning a dog is expensive – This is the biggest frustration after you’ve brought your dog home and you find out that your initial budget was blown in the first 6 months.  Between food, toys, vaccinations and minimal supplies to get your dog settled, you can expect to spend about $500 – $1,000.  If you’re a really good shopper, you can cut back on your costs, however you also need to be prepared for at least one surprise health expense before your dog reaches 3 years old.  Dog Health News strongly suggests that you meet with your local veterinarian to get a budget for dog expenses before you decide to get your dog.
  8. Keeping your dog away from stuff in the street – This frustration seems like a full time job in some parts of the world with trash, dog poop, antifreeze, salt, sand, spoiled food and even dead animals on the road that your dog can be attracted to before you Dog Health Newsblink your eye.  The best strategy to keep your dog safe in the street is training your dog to walk with you on a leash where you are able to control your dog without force.  Dog Health News suggests that you look into a force free dog trainer that can work with you and your dog to help you teach your dog safe street behavior that will reduce your frustration on your walks with your dog.

This news brief lists the 8 top frustrations of dog owners with tips you can use to reduce or eliminate your frustrations with your dog even if they aren’t on our list.

Share this article with your friends and family so they can look at ways to get rid of their frustrations as dog owners.  You can always depend on the best dog health strategies from Dog Health News.

By the way… claim your FREE “How NOT to Overpay to Keep Your Dog Well” video news.  Just go HERE now to get your Dog Health and Wellness Video News.

Dog Dental Care: The How and Why of Cleaning Dog Teeth

Dog Dental CareWe as humans devote about six minutes a day to our personal dental care, but what about dog dental care? As dog owners, you owe it to your dogs to take care of their teeth just as much as your own. Just like humans, dogs build up tartar on their teeth that can cause decay, bad breath, and can even potentially lead to much more serious problems in your dog’s kidneys, liver, or stomach that could cost you thousands at the vet’s office and harm your dog.

Fortunately, there are plenty of methods of prevention.  This news brief gives you some basic methods of caring for your dog’s teeth.

Dog Dental Care: 6 Ways to Clean Your Dog’s Mouth

  1. Brushing — It may seem obvious, but the percentages of dog owners who physically brush their dog’s teeth is low. There are doggie toothbrushes made especially to make your life easier when you brush your dog’s teeth. Keep in mind that human toothpaste can seriously harm your dog, so be sure to buy specialized dog toothpaste online or from your local pet store.
  2. Gels — In the market today, there are specific types of gels designed to simply be smeared onto your dog’s teeth. The gel gets moved around in your dog’s mouth naturally and fights against plaque and tooth decay to help with dog dental care for your dog.
  3. Vet — Who better to ensure your dog’s health than your own vet? Veterinarians can give oral examinations and cleanings in their office during any visit, simply ask beforehand.
  4. Diet — What you feed your dog matters when it comes to your dog’s oral health. When trying to prevent plaque buildup, dry dog food is strongly recommended. Unlike dry food, wet food tends to stick to your dog’s teeth more and cause a faster build up than dry food.
  5. Chews — As the finicky type, we feed my dog dental chews in order to stay on top of his care. Some types of chewables, like bones and specialty treats made to clean dog’s teeth, can actually Dog Dental Carescrape away layers of plaque and reduce the risks of decay. To add to your dog dental care, consider buying chewables like bones or “dental sticks,” and be sure to avoid hard materials that can cause broken teeth.
  6. Toys — The simple act of playing with a chew toy can prevent build up and clean your dog’s teeth. Invest in a few reliable chew toys that can entice your dog to clean his own teeth.

Ensuring your dog’s oral hygiene doesn’t have to be difficult. If your dog doesn’t like having his face touched, then buy him some chewables and toys. If your dog isn’t a fan of bones or chews, use gel. There are plenty of ways to make sure that your dog’s mouth is as clean as possible and improve your dog dental care routine. Check out the selection they have online or at your local pet store. Your dog will be healthier in the long run and perhaps his breath won’t smell so bad.

This news brief gives you 6 ways to clean your dog’s mouth so you can help prevent bad breath, tooth decay, and other serious health problems.

Heidi Thomas, a student at Gordon College, is a guest blogger from Connecticut. She has a cockapoo named Lucky back home.

Share this article with your friends and family so they can take care of their dogs’ teeth as well.  You can always depend on the best dog health strategies from Dog Health News.

SPECIAL BONUS — If you would like easy to follow news briefs to Get a Handle On Your Dog’s Healthcare Costs, claim your FREE ACCESS to the “How to Control Your Dog’s Healthcare Costs” video news . Go  to get it FREE.

Dog Dental Care: Is Your Dog At Risk for Tooth Decay?

Dog Dental CareDog dental care could save you thousands of dollars especially when you own a dog breed like a Pomeranian that’s prone to tooth decay so you may want to be proactive about your dog’s oral care which might save your dog from pain and tooth loss that affects your dog’s ability to chew his food, play with his toys and enjoy a long healthy life.

This news brief gives you the top 10 breeds of dogs that are at higher risk of dental problems so you can take better care of your dog.

Dog Dental Care: Top 10 Dog Breeds at High Risk for Dental Problems

  1. Cavalier King Charles Spaniel – This breed experiences broken, crooked and crowded teeth called malocclusion that results in a high risk for periodontal disease.
  2. Dachshund – Your Dachshund’s dental problems may start with bad breath and swelling or redness of your dog’s gums.  The best prevention plan is to brush your dog’s teeth 3 or 4 times a week as soon as you bring your dog home.
  3. Havanese – This breed is also prone to malocclusion, or crowded teeth, and may have sharp teeth that are at risk of fractures. Dog dental care is critical to control the plaque on your Havanese puppy’s teeth.
  4. Maltese –  This tiny breed suffers because your dog’s mouth is too small to fit 42 adult teeth and many of these teeth will either fall out or need to be pulled.  Watch for gum inflammation and consider dental cleanings as a strategy to keep your dog’s mouth healthy.
  5. Papillon – The small jaw bones in this breed cause problems that IMG_5426result in loss of teeth due to gingivitis.  Once again, brushing your Papillon’s teeth is critical to your dog’s overall health.
  6. Pomeranian – Your Pomeranian takes longer to change teeth than other breeds which causes a problem with retained teeth and overcrowding.  Other dog dental care issues for Pomeranians are bad breath, sores on your dog’s tongue or gums and weak or broken teeth.  Consult with your vet for the best dental care for your Pomeranian when he’s a puppy for the best results.
  7. Shetland Sheepdog – Also known as a Sheltie, your dog may be prone to bad breath due to tartar build up and decayed teeth that often leads to kidney failure or other medical problems.  An early start of dental care at home will help to keep your Sheltie’s mouth healthy.
  8. Standard Poodle – Poodles tend to lose teeth by the age of 3 due to lack of proper dental care.  Another genetic challenge is that poodles tend to have misaligned teeth so it’s a good idea to consult your vet about your poodle’s dog dental care when he’s a puppy.
  9. Toy Poodle – Your tiny Toy Poodle has similar challenges with dental health as a Standard Poodle besides the fact that his jaw is too small for all his adult teeth.  The importance of home dog dental maintenance to reduce plaque build up is very important to save your Toy Poodle’s teeth and keep your dog healthy.
  10. Yorkshire Terrier – This adorable breed tends to have excessive tarter build up, early tooth loss and gum disease.  Your Yorkshire Terrier is also prone to digestive problems and infections so it’s critical to brush your dog’s teeth at least 3 to 4 times a week.

Dog Dental Care:  6 Common Risks for Your Dog’s Teeth

  1. Hard objects – Your dog’s dental health is at high risk if your dog chews on hard objects like cow hooves or if your dog catches hard objects in his mouth.
  2. Rawhide strips and treats – These products may be treated with enzymes that increase saliva which results in tartar build up on your dog’s teeth.  Rawhide bones and chips might cause tooth fractures and are a risk for choking in dogs.
  3. Periodontal disease – Accumulation of bacterial plaque causes your dog’s immune system to respond with an inflammatory Dog Dental Careinfection called gingivitis.  Bacteria can be released into your dog’s bloodstream through damaged gum tissue that can lead to heart, joint, kidney and liver disease which is why dog dental care is so critical to your dog’s overall health.
  4. Malocclusion – Crooked and crowded teeth are a primary risk for your dog’s periodontal problems because your dog’s teeth are difficult to keep clean and are also susceptible to damage from hard objects. 
  5. Soft food – Your dog’s oral health is at risk when you give your dog too much soft food that causes plaque on your dog’s gums.  Hard biscuits and dry food help with dog dental care to reduce plaque on your dog’s gums, however you need to brush your dog’s teeth to reduce bacterial plaque.
  6. Diseases – Gum disease is often linked to disorders like diabetes, strokes and heart disease in dogs.  Some puppies are also at risk from medications and viruses.

Note: Your dog’s dental health is an indicator of your dog’s poor general health.  You should bring your dog to your vet whenever you discover any periodontal health issues from bad breath to gingivitis so you can be proactive about your dog’s health.

This news brief gives you the top dog breeds that have the most dental health risks so you are aware of periodontal issues in order for you to take better care of your dog.  Another option to help with dog dental care costs is to to look at dog insurance as a possible strategy to cover other dog health expenses.

Share this article with your friends and family so they are informed about the importance of home dental care for their dog.  You can always depend on the best dog health strategies from Dog Health News.

Would you like to Control Your Dog’s Healthcare Costs? Simply fill out the form to the right with your first name and email and I’ll send you FREE news videos with Strategies to save you money and time when it comes to your dog’s health.

FREE DOG WELLNESS VIDEOS: The Secrets To Keeping Your Dog Well And Reducing Your Vet Bills
Free Instant Access