Do you need pet insurance?

Following the death of St. Bosco, I swore I was going to get pet insurance for my next dog. Given the scary sum of money we spent on Bosco trying to determine the cause of his issues, then the costs associated with treating them, I promised myself I wasn't going to put us in that position again. And I meant it, right up until I actually got another dog.

Darby came down with parvo within days of coming home from the shelter. Once we got through that patch, it was time for him to be neutered. Naturally, he was cryptorchid, making a fairly routine surgery a more complicated (and expensive) one.

By this time, not unlike many other pet owners, we figured, "Why bother? What else can go wrong with the little dude?" Here's a free tip from me: Never actually say those words out loud. It's the universe's signal to show you the folly of your nonchalance.

Sure enough, last year he needed knee surgery to pin down a loose kneecap. (That small sound you heard at the end of that sentence was the deflation of our checking account. Knees aren't cheap.) Yep, I was ruing the day I put off getting a policy right about then, and I had no one but myself to blame. I know pet insurance is available, I know bad things sometimes happen to good pets and I know having insurance can mean there is less thing to worry about when they do.

Want to know if pet insurance can help you manage your pet's medical bills? VPI Pet Insurance has developed a pretty cool Cost of Care Planner for dog and cat owners. Just pop in your pet's info (basic stuff - name, age, breed and your zip code) and you'll get a list of some most common ailments veterinarians see for your breed and the approximate cost to treat them.

I plugged in Darby's info to see what would happen. Funny, one of the first items listed was the cost to treat an ear infection. D'oh! I forgot about that trip to the vet last year, the result of one too many headers into the pool. Sadly, the treatment cost listed is just about what I paid for it, too. I dug a little further to see about the monthly premium and, sure enough, even if I'd been paying since the day I got him it would have been less than the one surgery he's already had.

Do yourself a favor and check it out. The wallet you save may be your own.

Wordless Wednesday

Doughnut head!


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Ugh. Already with the popping?

High on the list of Darby's more neurotic endearing traits is his reaction to certain noises, especially those emitted by fireworks.

Fireworks? Don't like 'em...

Maybe spending his first "real" Fourth of July living a block away from the largest professional demonstration in town ruined him for life when it comes to things that pop, whiz or bang, particularly if such sounds occur at or after dusk. The noise level of that show was such that the first "bang" of the evening routinely set off car alarms in the neighborhood as the ground shook from the force of the rocket's red glare. Perhaps it was that the noise was followed by more whooshes and booms as the firepower exploded overhead, any explanation for which was far beyond anything his puppy brain could comprehend.

In the end it doesn't matter because all roads lead to Rome, or, in his case, to the guest room where he can cower between the bed and the wall, waiting for the world to be safe again. So imprinted is he by the trauma surrounding the Fourth that any loud popping or banging sound at night will metamorphose him from playing-in-the-yard dog to cowering, running for the back door dog. A car backfiring? He's outta there. Same goes for cargo doors slamming on semi trucks as they unload their bounty at the nearby convenience store, someone dropping a large tool on a concrete patio or the whir made by the blades of a helicopter as they patrol the neighborhood after dark. Darby may have never met Keyser Soze, but he will guarantee you that should Soze come to the house he'll be accompanied by some great and horrible noise that any creature worth his salt would do well to avoid. And even with all that, I know I'm lucky.

Lucky because of all the options at his disposal, Darby chooses to shut down. Yes, it's hard to watch him huddle in the back room, utterly inconsolable, but at least he's securely indoors with his family. So many other dogs (and cats) bolt in terror from their homes into the dangers of the night. They break gates, dig under/climb over/slip through fences, and in a few extreme cases break windows or sliding glass doors in their panic to escape the assault on their senses. It's often repeated that more pets are lost on July 4th than any other single day of the year. Darby may be scared, even terrified, but he's home and whether he comprehends it or not, he's safe.

With the fireworks stands now open for business the evening "pop" has begun again, leaving me with a dog who will avoid an evening potty trip if there's so much as a whistling sound after sunset. Last night someone several doors down felt the need to test out a few firecrackers, blissfully oblivious to the terror their fun instills in my pooch, and there's still a week left before the "big show".

Being well-versed in the drill, we'll be especially attentive to his needs over the next week or so. Should your pets need some extra love and reassurance during this period, we know you'll do the same.

You know it's hot...

When the two cats you have to drag in every night take a pass on going outdoors...

 

Bad Kitty Bo says, "Going outside is for dogs." 

Musette says, "If I were meant to go outside, this chair wouldn't have been empty."

104 degrees and climbing...hope everyone is chillin' like these two.

Wordless Wednesday

Hot days bore me!

It's Wordless Wednesday, so head over to some of the other fine blogs that are taking part in today's hop!