Pet insurance

Last updated

Pet insurance is a form of insurance that pays, partly or in total, for veterinary treatment of the insured person's ill or injured pet. Some policies will pay out when the pet dies, or if the pet is lost or stolen.

Contents

As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets' health care and standard of living than previously, the market for pet insurance has increased. [1] Prices for veterinary care have increased significantly. [2]

History

The first pet insurance policy was written in 1890 in Sweden by Claes Virgin. Virgin was the founder of Länsförsäkrings Alliance, at that time he focused on horses and livestock. [3] In 1947 the first pet insurance policy was sold in Britain. [4] As of 2009, Britain had the second-highest level of pet insurance in the world (23%), [5] behind only Sweden. In the United States in 2020, 2.3% of all dogs and 0.4% of all cats. were covered by an insurance policy. [6]

Policies

Pet insurance is a form of property insurance rather than health insurance.[ citation needed ] Insurance companies may limit coverage for pre-existing conditions, giving owners an incentive to insure even very young animals, which are not expected to incur high veterinary costs. [7] Some British policies for dogs also include third-party liability insurance. For example, if a dog causes a car accident that damages a vehicle, the insurer will pay to rectify the damage for which the owner is responsible under the Animals Act 1971. [8]

Related Research Articles

<span class="mw-page-title-main">Pet</span> Animal kept for companionship rather than utility

A pet, or companion animal, is an animal kept primarily for a person's company or entertainment rather than as a working animal, livestock, or a laboratory animal. Popular pets are often considered to have attractive/cute appearances, intelligence, and relatable personalities, but some pets may be taken in on an altruistic basis and accepted by the owner regardless of these characteristics.

<span class="mw-page-title-main">Dog food</span> Food intended for consumption by dogs usually made from meat

Dog food is specifically formulated food intended for consumption by dogs and other related canines. Dogs are considered to be omnivores with a carnivorous bias. They have the sharp, pointed teeth and shorter gastrointestinal tracts of carnivores, better suited for the consumption of meat than of vegetable substances, yet also have ten genes that are responsible for starch and glucose digestion, as well as the ability to produce amylase, an enzyme that functions to break down carbohydrates into simple sugars – something that obligate carnivores like cats lack. Dogs evolved the ability living alongside humans in agricultural societies, as they managed on scrap leftovers and excrement from humans.

<span class="mw-page-title-main">Pet adoption</span> Adoption of pets that have been abandoned by previous owners

Pet adoption is the process of transferring responsibility for a pet that was previously owned by another party. Common sources for adoptable pets are animal shelters, rescue groups, or other pet owners. Some organizations give adopters ownership of the pet, while others use a guardianship model wherein the organization retains some control over the animal's future use or care.

<span class="mw-page-title-main">Hemangiosarcoma</span> Cancer of blood vessel lining

Hemangiosarcoma is a rapidly growing, highly invasive variety of cancer that occurs almost exclusively in dogs, and only rarely in cats, horses, mice, or humans. It is a sarcoma arising from the lining of blood vessels; that is, blood-filled channels and spaces are commonly observed microscopically. A frequent cause of death is the rupturing of this tumor, causing the patient to rapidly bleed to death.

<span class="mw-page-title-main">French Bulldog</span> French breed of dog

The French Bulldog is a French breed of companion dog or toy dog. It appeared in Paris in the mid-nineteenth century, apparently the result of cross-breeding of Toy Bulldogs imported from England and local Parisian ratters. It is commonly kept as a pet and is among the most frequently registered dogs in a number of countries including Australia, the United Kingdom, and the United States. The breed is susceptible to various health problems as a consequence of being bred for a distinctive appearance, sporting a brachycephalic face and skin wrinkles.

<span class="mw-page-title-main">Acepromazine</span> Antipsychotic medication

Acepromazine, acetopromazine, or acetylpromazine is a phenothiazine derivative antipsychotic drug. It was used in humans during the 1950s as an antipsychotic, but is now almost exclusively used on animals as a sedative and antiemetic. A closely related analogue, chlorpromazine, is still used in humans.

<span class="mw-page-title-main">Cat food</span> Food for consumption by cats

Cat food is food specifically formulated and designed for consumption by cats. As obligate carnivores, cats have specific requirements for their dietary nutrients, namely nutrients found only in meat or synthesized, such as taurine and Vitamin A. Certain nutrients, including many vitamins and amino acids, are degraded by the temperatures, pressures and chemical treatments used during manufacture, and hence must be added after manufacture to avoid nutritional deficiency. Cat food is typically sold as dry kibble, or as wet food in cans and pouches.

Raw feeding is the practice of feeding domestic dogs, cats, and other animals a diet consisting primarily of uncooked meat, edible bones, and organs. The ingredients used to formulate raw diets vary. Some pet owners choose to make home-made raw diets to feed their animals but commercial raw diets are also available.

<span class="mw-page-title-main">Carprofen</span> Non-steroidal anti-inflammatory drug

Carprofen is a nonsteroidal anti-inflammatory drug (NSAID) of the carbazole and propionic acid class that was previously for use in humans and animals but is now only available to veterinarians for prescribing as a supportive treatment for various conditions in animals. Carprofen reduces inflammation by inhibition of COX-1 and COX-2; its specificity for COX-2 varies from species to species. Marketed under many brand names worldwide, carprofen is used as a treatment for inflammation and pain, including joint pain and postoperative pain.

Bruce Fogle, is a vet and author of pet care books and travel narratives. Canadian by birth, he has lived and worked in London for over 40 years.

<span class="mw-page-title-main">Pet food</span> Animal feed for pets

Pet food is animal feed intended for consumption by pets. Typically sold in pet stores and supermarkets, it is usually specific to the type of animal, such as dog food or cat food. Most meat used for animals is a byproduct of the human food industry, and is not regarded as "human grade".

<span class="mw-page-title-main">Dog</span> Domesticated species of canid

The dog is a domesticated descendant of the wolf. Also called the domestic dog, it was domesticated from an extinct population of wolves during the Late Pleistocene, over 14,000 years ago by hunter-gatherers, prior to the development of agriculture. The dog was the first species to be domesticated by humans. Experts estimate that due to their long association with humans, dogs have expanded to a large number of domestic individuals and gained the ability to thrive on a starch-rich diet that would be inadequate for other canids.

Aging in cats is the process by which cats change over the course of their natural lifespans. The average lifespan of a domestic cat may range from 13 to 20 years. As cats senesce, they undergo predictable changes in health and behavior. Dental disease and loss of olfaction are common as cats age, affecting eating habits. Arthritis and sarcopenia are also common in older cats. How a cat's health is affected by aging may be managed through modifications in a cat's diet, accessibility adjustments, and cognitive stimulation.

<span class="mw-page-title-main">Veterinary oncology</span>

Veterinary oncology is a subspecialty of veterinary medicine that deals with cancer diagnosis and treatment in animals. Cancer is a major cause of death in pet animals. In one study, 45% of the dogs that reached 10 years of age or older died of cancer.

<span class="mw-page-title-main">Cancer in dogs</span>

Cancer is the leading cause of death in dogs. It is estimated that 1 in 3 domestic dogs will develop cancer, which is the same incidence of cancer among humans. Dogs can develop a variety of cancers and most are very similar to those found in humans. Dogs can develop carcinomas of epithelial cells and organs, sarcomas of connective tissues and bones, and lymphomas or leukemias of the circulatory system. Selective breeding of dogs has led certain pure-bred breeds to be at high-risk for specific kinds of cancer.

<span class="mw-page-title-main">Obesity in pets</span> Veterinary disease

Obesity in pets occurs when excessive adipose tissue accumulates in the body, and is generally defined as occurring when an animal's body weight is at least 20% greater than its optimal body weight. Obesity is associated with metabolic and hormonal changes, and can predispose pets to illnesses like orthopedic disease, diabetes, and cancer.

<span class="mw-page-title-main">Human–canine bond</span> Interspecies relationship

The human–canine bond is rooted in the domestication of the dog, which began occurring through their long-term association with hunter-gatherers more than 30,000–40,000 years ago. The earliest known relationship between dogs and humans is attested by the 1914 discovery of the Bonn–Oberkassel dog, who was buried alongside two humans in modern-day Oberkassel, Germany, approximately 15,000 years ago. For centuries, the phrase "man's best friend" has commonly been used to refer to dogs, as they were the first species and the only large carnivore to have been domesticated. This companionship is most evident in Western countries, such as the United States, where 44% of households were found to be keeping at least one dog as a pet.

Between 5% and 10% of homeless peoplein the United States own pets. Studies of homeless pet owners in urban settings show a sense of identity and community connection between pets and their owners. This topic is part of the Animals and Society branch of study in the field of Sociology, and is also an issue with the values and responsibility of pet ownership.

Oral health can be difficult for pet owners and veterinary teams to manage in cats, particularly for pets whose owners are not committed to regular tooth brushing and/or dental treats. Oral disease is common among cats, and may lead to other health issues such as bacterial infections of major organs including the heart, kidneys and liver. When pet owners are aware of the benefits of supporting good oral health in cats, this substantially improves positive outcomes. Dietary selection, along with at-home-dental-hygiene care, allows cat owners to influence the oral status of their pets.

<span class="mw-page-title-main">Vegetarian and vegan dog diet</span> Adequate meat-free or animal-free nutrition

As in the human practice of veganism, vegan dog foods are those formulated with the exclusion of ingredients that contain or were processed with any part of an animal, or any animal byproduct. Vegan dog food may incorporate the use of fruits, vegetables, cereals, legumes including soya, nuts, vegetable oils, as well as any other non-animal based foods.

References

  1. Williams, A.; Williams, B.; Hansen, C. R.; Coble, K. H. (2020). "The Impact of Pet Health Insurance on Dog Owners' Spending for Veterinary Services". Animals. 10 (7): 1162. doi: 10.3390/ani10071162 . PMC   7401533 . PMID   32659934.
  2. Egenvall, Agneta; Höglund, Odd V.; Hoffman, Ruben; Valle, Paul S.; Andersen, Pia H.; Lönnell, Cecilia; Byström, Anna; Bonnett, Brenda N. (28 June 2024). "Prices for veterinary care of dogs, cats and horses in selected countries in Europe". Frontiers in Veterinary Science. 11. doi: 10.3389/fvets.2024.1403483 . ISSN   2297-1769. PMC   11292583 . PMID   39091400.
  3. "Insurance For Pets Goes Public". Forbes. 18 July 2014.
  4. "History of Pet Health Insurance". naphia.org.
  5. Taylor, Jerome (20 May 2008). "Abandoned! Are Britain's pets the latest victims of the credit crunch?" . The Independent. Archived from the original on 2022-05-25. Retrieved 10 December 2012.
  6. Williams, Angelica; Williams, Brian; Hansen, Charlotte R.; Coble, Keith H. (2020-07-09). "The Impact of Pet Health Insurance on Dog Owners' Spending for Veterinary Services". Animals. 10 (7): 1162. doi: 10.3390/ani10071162 . ISSN   2076-2615. PMC   7401533 . PMID   32659934.
  7. Brevitz, Betsy (2009). The Complete Healthy Dog Handbook. Google: Workman Publishing. ISBN   978-0761154129 . Retrieved 1 October 2014.
  8. "Animals Act 1971".