Pet health insurance policies are primarily designed to cover accidents and illnesses. Pet insurance policies do not cover pre-existing conditions, and some have bilateral exclusions, meaning for example, if one knee has required ligament surgery, the other knee is automatically excluded for the same condition. Synthesized information about coverage and exclusions can be found on aggregator sites, such as PetInsuranceInfo (petinsuranceinfo.com). The factors that affect premiums include age, species, breed, the region you live, deductible amounts, co-insurance, and in some cases annual payout limits. Generally, it is less expensive to insure your pet when it is young and healthy, rather than waiting until it is older and more prone to illness. Educate yourself to understand the terms and conditions of the pet insurance you buy for your pet.

Human personal care products are usually not meant for pets. Commonly used human shampoos, conditioners, medical ointments, and even toothpaste can cause uncomfortable side effects for our pets. Some ingredients in human care products may be toxic. It’s best to gather information about what to share and what not to share with your pet. When in doubt, consult your veterinarian.