Burlington Emergency & Veterinary Specialists » veterinary blogs http://bevsvt.com Mon, 26 Jun 2017 16:39:47 +0000 en-US hourly 1 http://wordpress.org/?v=4.1.18 Is pet insurance worth the upfront cash?http://bevsvt.com/2017/is-pet-insurance-worth-the-upfront-cash-2/ http://bevsvt.com/2017/is-pet-insurance-worth-the-upfront-cash-2/#comments Tue, 14 Feb 2017 16:23:09 +0000 http://bevsvt.com/?p=2119 The question of pet insurance is a common topic for our clients. Investigative reporter Jennifer Costa spent hours researching the top pet insurance companies and found out this is a pretty complicated topic with an overwhelming number of options. Not all pet policies are created equal so plan on spending time on the phone with each company before picking a policy. “Pet insurances are really different. Just like in human medicine, you have to read the fine print as to what they cover and there’s very specific things you should look for,” said Dr. Garrett Levin, BEVS surgeon.

Like broad coverage. Only a few insurers pay for wellness visits, while most will cover hereditary conditions, accidents, illnesses and injuries. Watch for exceptions. Exam fees run $50 for an office visit to more than $100 for emergency care. WCAX found Trupanion and Healthy Paws do now cover this expense. A hidden cost to consider if your pet is a frequent flyer at the vet.

Check coverage limits. For most, unlimited coverage is standard. But Embrace and Petfirst cap annual payouts at $15,000 and $20,000 respectively. Not a big dealunless your pet comes down with a chronic costly condition. Understand your deductible. Annual deductibles are the most common. But Petfirst charges you a “per incident” deductible that resets every year. Trupanion charges per incident too, but you only pay the deductible for that condition once during the pet’s life.

Experts say in most cases pet insurance will save you money.

Reporter Jennifer Costa: Should people shop around?

Levin: Absolutely. Ask questions.

WCAX found it’s easier to get answers when you call the companies directly.

For a 2-year-old cat, monthly premiums ranged from $17 to $51. You could pay less if you chose a higher deductible or opted to pay more out of pocket.

After her ordeal, Leahy wanted maximum coverage including wellness protection. She asked her vet about each insurer, compared a half dozen policies for Great Danes, considered Magnus’ frequent health needs and opted for a pricier plan.

“The last thing you want to do is make a decision about your pet based on money,” said Leahy.

After research, we can’t say whether this is a good insurance company and this is a bad one. Quotes for a cat varied by about $35 a month. The most expensive one didn’t cover any more than the cheapest. Remember you can always adjust your premium or your deductible to fit your budget.

Before you call for a quote, check out “What’s Not Covered?” to ensure you are picking the best policy for your pet:

Check out the full story here, Is pet insurance worth the upfront cash?.

By Jennifer Costa, WCAX

 

www.petinsurance.com/whats-not-covered

www.petfirst.com/Our-Plans/Lifetime-Coverage-Exclusions.aspx

www.petsbest.com/coverage (exclusions are at the bottom)

http://trupanion.com/pet-insurance/faqs

www.gopetplan.com/terms-and-conditions-explained

www.embracepetinsurance.com/coverage/not-covered

www.healthypawspetinsurance.com/frequent-questions

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Ruby’s Storyhttp://bevsvt.com/2014/rubys-story/ http://bevsvt.com/2014/rubys-story/#comments Thu, 20 Nov 2014 19:00:09 +0000 http://bevsvt.com/?p=1582 Meet Ruby a  four year old dachshund who loves to run and play hard with her  corgi and 3 dachshund housemates. Ruby’s parents noticed that she was weak in her hind end when they went to bed in the evening and the following morning (approximately 10 hours later) she was able to bear weight on her hind limbs, but was not able to walk on her own. Her parents had a previous dog that needed back surgery, so they knew it was time to take her in to BEVS for emergency care.  They also noticed that she was not able to urinate and her symptoms were worsening quickly.  After a thorough neurological exam, it was noted that Ruby still had deep pain present (ability to feel and withdraw from pain in her feet), she was diagnosed with IVDD – Intervertebral Disc Disease and referred to our surgeon, Dr. Helia Zamprogno for CT/Myelogram and surgery. The CT and myelogram identify the herniated disc, allowing the surgeon to decide the location that requires surgery and the correct side to approach from. 85 – 95% of dogs that are taken to surgery with deep pain will walk again with surgical correction.  50% of dogs that do not have deep pain at the time of surgery will walk again with surgical correction within 24 hours of loosing deep pain. The longer a dog waits for surgery after losing deep pain the less likely they are to walk again, even after surgical correction. Recovery from surgery requires dedicated nursing care, physical rehab and time as it can take several weeks to regain the strength and proprioception needed to walk again. At home care involves a safe well padded area to rest, bladder management (regularly expressing the bladder when they are not able to urinate on their own) and giving daily medications.

Here Ruby is recuperating with her brother Max.

Ruby and Max

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Meet Abbyhttp://bevsvt.com/2014/meet-abby/ http://bevsvt.com/2014/meet-abby/#comments Wed, 30 Jul 2014 13:39:39 +0000 http://bevsvt.com/?p=1549 Meet Abby. Abby loves to swim and chill out on the dock. Unfortunately, sometimes these two activities can produce the horrid hot spot–those painful, raw, moist, oozing sores your dog can get on their skin. If your pet has ever had one, I’m sure you can relate when I say hot spots are serious. Although more prevalent in the summer months, hot spots can appear any time of the year, on any breed of dog, at any age because most often these wounds are due to some sort of irritant or allergen that causes your dog to itch, such as fleas, food or treats, swimming or environmental pollutants, or matted, ungroomed fur. Once the skin surface has been opened by the scratching and biting, bacteria enters and infection quickly sets in–a small wound can become a huge wound in less than 24 hours. Don’t delay in seeking veterinary medical attention. Miss Abby’s wounds were clipped and cleaned by our staff and she was sent home with topical treatment, antibiotics, and the dreaded E-collar. Abby is on the road to recovery and we wish her the best!

To help prevent hot spots, keep your pet up to date on flea and tick prevention medicine, rinse your pet with a hose and dry thoroughly after a swim, speak with your vet about allergies, regularly check your pet for skin irritations and treat immediately.

A. Coburn                                                    A. Coburn2

Written by Aimee Gilfillan

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My Internship at BEVShttp://bevsvt.com/2011/my-internship/ http://bevsvt.com/2011/my-internship/#comments Wed, 14 Sep 2011 15:01:56 +0000 http://localhost/bevs/?p=1 My internship at BEVS has been an exciting challenge, with opportunities to learn something new every day. The advantage of working at a specialty clinic with multiple doctors has been invaluable. The best example I can recall occurred on a Friday, when I was the veterinarian receiving emergency cases. A very sweet and handsome Golden retriever was transferred from his local veterinarian for additional work-up of a suspected hemoabdomen (free blood within the abdominal cavity). Once at BEVS, the history and physical exam findings supported fluid in the abdominal cavity. Full in-house blood work results were ready in less than 10 minutes, and other than anemia, the blood work looked great. I advised the owner that as an emergency veterinarian, I could use ultrasound to detect and draw a sample of abnormal abdominal fluid, but to fully examine all the abdominal organs for disease we would need to call in Dr. Harnett, the internal medicine specialist.

The owner agreed and I used ultrasound to identify a pocket of fluid in the abdomen that turned out to be blood, confirming a hemoabdomen and explaining the anemia. I called in Dr. Harnett to perform a complete abdominal ultrasound. The spleen was found to be diseased and most likely the cause of the bleeding. The liver was examined carefully to try to detect evidence of malignant spread of disease, none could be found. The rest of the organs all appeared healthy. Between veterinary school and the BEVS’ internship, I was well prepared to explain the need for surgery to remove the spleen and the advantages, disadvantages, and prognosis associated with the procedure. After a long discussion, the owner was interested in pursuing surgical removal of the spleen. I then called on Dr. Mallinckrodt for her surgical expertise. Within a period of a couple of hours, we were in the operating room. I was able to scrub in and assist Dr. Mallinckrodt with the surgery, giving me the opportunity to follow my case from admission to surgical recovery and discharge from the hospital. It was great to see my patient feeling back to normal. Thinking back it felt great knowing that I have mentors ready and willing to assist with a case, but better still that I could handle most of it on my own!

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