We have two sweet little doggies who we love to bits.. Ok so one of them got sick last Christmas eve and it cost us a few thousand dollars for the vet bills.. Ugh! We had been discussing signing up for pet insurance but when I checked the insurance companies who give pet insurance I was surprised to see many of them were underwritten by ‘People’ Insurance companies. Know what that means??
It means they have the best insurance investigators who will try every trick in the book to avoid paying out on an insurance claim if your pet gets sick.. Some of these companies I have noticed have even stipulated a clause to say if your pet is on food which contains artificial preservatives and additives then too bad… They won’t pay.. Now I have been promoting Raw Meaty Bones and BARF for years and included it in my book (Marilyn’s Plan), knowing all too well the disastrous effects of preservatives and additives in our foods and researching the best way to feed pets.. There are plenty of groups on the net who will tell you how and what to feed your pets to maintain optimal health. So, if these insurance companies are on the ball with their investigations into foods and their effects on the body then why do we give these foods to our pets? Beats me.. All I know is they won’t pay for vet bills for sick animals when those animals have been consuming processed foods. My girls haven’t had processed foods for years now and have been healthier for it.. Back to pet insurance.. If your pet is over a certain age and has no medical history (no illnesses recorded) then you might be lucky enough to get health insurance for them but the pet insurance companies will not pay claims on previous illnesses. They will pay for desexing and that is about it. Gum disease is rife in pets, caused by them eating rubbishy processed foods. Think of it like us eating a packet of biscuits every day for our nutrition. This crap gets stuck in your teeth and you cannot clean it out unless you have a toothbrush. Try to get an older dog or cat to take on a toothbrush.. If anyone has any ideas please let me know.. Ours screams and cries if we approach her with one..This is where the insurance companies make their money. At three years of age, a pet will have rotten teeth. There is a 3 to 4 week waiting period to be able to make a claim so don’t let them get sick in between then. We worked out it would be more expensive for us to insure our pets now as one is not well (food allergy) and the other pet is an older doggie so we would be paying insurance for nothing.. No claims.. So that is it… We are working on some research into T cell behaviours on the human and animal body to try to help our little girl overcome her illness.. Fingers crossed we can get her off the prescription tinned muck she is on.. (Paste). We work very hard at cleaning her teeth too because she is not able to eat anything to clean them… The vet is querying IBS.. I wasn’t aware animals get IBS… (Irritable Bowel Syndrome) Big job, but I’m sure we can do it..
So if you are considering getting pet insurance.. Get it for your pet the day they are born…. read their clauses very carefully too.. Either that or start saving now for the vet bills…….