Category Archives: Pet Insurance

What To Do If Your Pet Becomes Disabled?

Pets are considered to be a blessing to a household. They bring a great measure of joy and fulfillment to its owners. Raising pets can be likened to raising your very own children which can be a very satisfying career. This is the reason why a huge number of individuals decide to adopt pets and raise them as their own. With that being said, the raising up process comes with their own set of challenges and risks owners need to consider. One of them is with regards to the issue of disabilities. What should one do if their pet becomes disabled?

Pets are not immune to a number of sickness and diseases. Being exposed to a lot of environmental factors on a regular day to day basis can make them a bit more likely to develop such issues. This is especially true with regards to pets that are not in their tip top shape and form. This is oftentimes the reason why they get sick which can affect their overall health and welfare. Unwanted pet disabilities can also come from accidents and other related incidents you pets have experienced. This has resulted to greatly affecting their day to day activities in the process.

If you pets get injured it is important to call for help right away in particular, the nearest vet. Pet owners are also advised to note hastily move their pets as they risk adding more harm than good with regards to their injuries. Presence of mind is important during these tense situations and owners are advised to stay calm as they wait for further instructions or rush them to the hospital. Disabilities can develop with these accidents and it is important for pet owners to be more accepting about the outcome of the injury.

Pets becoming disabled are not considered to be a lost cause. Many owners today were able to prove their doubters wrong as they were able to live normal lives with their pets. The most important aspect with pets who are disabled is that the measure of love and care should not wane but instead become more intensified. Pets should not feel that they are abandoned during these crucial times as they have little to no understanding on what happened.

It is good to hear that readily available support groups exist over the internet today having members who share the same cause and concern with other pet owners. This is a great place to learn more about pet disabilities while at the same time discuss with fellow members and hear about their own inspiring stories that they are willing to share. Since of these groups have integrated their reach over the internet, just about anyone will be able to join their movement at any given time.

Another noteworthy factor is that you can insure your pet for disability or debilitating illness. As mentioned earlier, no one is safe or free from disabilities pets included. With that being said, when your pets are insured, you as an owner feel that a huge load is taken off your back as you know feel that you pets are kept safe and secured at all times. Of course, it is important to practice caution when dealing with pets but having a steady hand to assist you through insurance can be very reassuring.

Insuring Thoroughbreds in the Horse Racing Industry

Owning thoroughbreds that participate in Australian horse racing contests does not only offers handsome financial returns, but also gives a sense of personal satisfaction. Like athletes, thoroughbreds used in horse racing competitions need to prepare over and over again especially when there’s an upcoming event. More often than not, equine trainings are associated with seemingly endless disbursements – veterinary bills, wages of trainers, farriers, feeds, maintenance costs and other related expenses. Since this venture can be an expensive pursuit, it is important that you insure your thoroughbreds just in case they got sick or injured, or when Mother Nature gets capricious.

Here are some examples of things that are covered by a typical equine insurance:

Commercial General Liability

Since government agencies and some insurance companies regard owning horses for racing competitions as ‘business’, having an insurance policy that covers Commercial General Liability (CGL) is a must. This CGL will insure you from legal accountabilities that may arise during the course of your business. On average, a CGL policy may cost at least $250 per annum depending on your liability limit.

Horse Owner Liability

When your horse destroyed a property or injured someone other than your horse’s care taker, a Horse Owner Liability will cover all the hospitalisation or repair costs. According to insurance professionals, this type of policy is a must-have for all thoroughbred owners. Without it, your ‘business’ may collapse when your horse inadvertently killed or injured someone.

Mortality Insurance

In general, there are two classifications of coverage under mortality insurance: Specified Perils and All Risks Mortality. Specified Perils policy is for deaths caused by fire, lightning, transportation and windstorm. Usually, it costs 0.5% to 1% of the value of your horse. On the other hand, All Risks Mortality policy covers almost all causes of death on horses. However, compared with Specified Peril policy, All Risks Mortality has a higher premium rate. On average, the rate is at least 3 percent.

Other kinds of policy coverage of equine insurance are workman’s compensation (for injured employees); care, custody and control insurance (shields individuals who are looking after someone else’s horse); and loss of use insurance (covers breeding issues, for instance, that may ensue in the future).

Since horses are among the animals that are very susceptible to accidents and injuries, insuring them is a must. That being said, thoroughbred owners must be wise on choosing the policies that their equine insurance should be able to cover.

Doggy Chiro Is Coming To A Town Near You


Many pet owners don’t think about chiropractors when their pooch is injured, in pain or becomes ill. It never crosses their mind that a visit to animal chiropractor  can put their pet on the road to recovery much more quickly. People are sometimes surprised to learn that chiropractic can be used on animals. This holistic treatment method is also used for pets because it allows animals to utilize their own healing capabilities. Chiro works by eliminating the root cause of the problem not just the symptoms. If you’re tired of seeing your dog in pain or struggling with loss agility, it may be time to consider doggy chiro.

Dog chiropractic is an alternative approach to treating muscular, joint and skeletal problems common in dogs. This is a great drug-free alternative to healing your dog’s body. Just like a hooman chiropractor that utilises holistic medicine, doggy chiro will take your pet’s entire health into consideration. The principles and practices behind animal chiro are nearly identical to those used with humans. Dog chiropractic is also gaining popularity – similar to human chiro. More and more veterinarians, osteopaths and chiropractors are training to practice this holistic approach to treatment. This is a growing field; you’ll be surprised a doggy chiro is coming to a town near you.

Chiropractic therapy may benefit a dog  that’s experiencing muscle or joint pain as a result of injury or old age. It’s virtually pain free and great alternative to medication or surgery especially for older and weaker dog. This drug-free option offers non-surgical treatment to correct bone, disc and soft-tissue disorders related to improper spinal configuration. Structural alignment permits optimal function of the body resulting in improved movement and flexibility. This therapy is not limited to sick or injured pet, healthy dogs can benefit from chiro examination and care. Your dog may benefit from chiro care if he exhibits one or more of the following:

  • Showing signs of pain
  • Weak legs with no specific site of pain
  • Trouble standing or lying down
  • Decreased appetite
  • Decreased level of activity
  • Abnormal posture
  • Limping, abnormal gait and shorter stride
  • Leg paralysis
  • Muscle spasms
  • Abnormal head shaking
  • Allergies

Chiropractic treatment  could help if you notice any of these signs in your dog. By working with veterinarians, doggy chiros aid in restoring your dog’s health by treating the whole body. Animal chiro is not intended to assume the primary health care of your pet or replace veterinary medicine. Chiropractic for dogs isn’t a substitution for standard vet care.

Consider dog chiropractor if your dog is not responding to medication or other standard treatments.  If your dog is not a candidate for surgery, a doggy chiro can be a huge help. Seek a chiropractor as a first step rather than consulting when all else has failed. Relief from chiropractic adjustments depends on your dog’s nature of condition, injury or ailment. If could take up to five days for your dog’s body to repair after an adjustment. In some cases relief could take anywhere from a few sessions to months of sessions.

Some pet insurance companies cover dog chiropractic and other alternative treatments like massage and acupuncture. If you already have pet insurance, check with your provider to see if doggy chiro is covered. If you don’t have pet insurance or you’re not covered by your current provider, contact us. We can activate a pet insurance policy for your furry friend.