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Showing posts with label pay. Show all posts
Showing posts with label pay. Show all posts

Wednesday, April 9, 2014

Is There Such Thing As Dog Life Insurance?

Is There Such Thing As Dog Life Insurance?
  Twenty years ago, if you suggested getting a pet health insurance policy, most pet owners would have taken it as a joke.
  Not anymore. As veterinary treatments have gotten more advanced and sophisticated -- and vet bills for serious conditions can quickly add up to thousands of dollars -- buying pet health insurance is something to consider.
   Just like people, canine companions suffer from unexpected illnesses, accidents and death.     For these unexpected occasions, you cover yourself with health and life insurance. Policies exist to cover the same for your pet. Not all insurances are the same and not every dog owner needs a life insurance policy.
  Dogs are considered a valuable member of the family and dog life insurance was created to answer for the needs of a bereaved family when the beloved dog dies.
  For one, it enables the family to immediately buy a replacement, especially when the children find it hard to deal with the loss of a pet.

What services does dog health insurance cover?
  Dog life insurance usually pays you the cost (based on the determined market value) of the dog when it dies. There are also dog life insurance products that pay for the original purchase price. In addition, dog life insurance also provide for end-of-life expenses, which includes:
  • burial or cremation expenses
  • euthanasia for your dog because of a major injury or a terminal illness
  • expenses for the funeral service
  • bereavement counseling
  • Dog life insurance may also cover for medical and veterinarian expenses needed to treat your dog because of an accident, an emergency or a terminal illness. Illnesses that are usually covered include digestive, respiratory and cardiovascular problems, as well as cancer.
  Some benefits of dog life insurance also involve co-payments and deductibles that you will have to shoulder. There are also hereditary and pre-existing conditions that may be excluded. The insurance company may also look into the dog's behavior and age to help them decide whether to provide life insurance coverage to your dog or not. Premiums are computed based on your dog's breed and health condition. It will also look at your dog's expected lifespan.
  Some dog life insurance policies are bundled with other dog insurance coverage, such as dog health insurance and dog bite insurance.


It's a Dog's Life (Insurance)
  It will take some digging and research, but it is possible to find life insurance for your dog. Traditional insurance companies, like the one your life or homeowner's policy is through, usually don't carry policies on dogs, even if they're purebred. There are companies that specialize in pet insurance, however, and they're the ones that can provide the coverage you're looking for.

Things to Consider
  Life insurance for dogs doesn't work exactly like life insurance for humans. You'll have to shop around and find out what different policies cover and how they determine the payout. Some policies are written for accidental death only, and some will pay for costs like final veterinary expenses, euthanasia, cremation or burial. One insurance company might calculate the payout based on the market value of the dog at the time of his death, while another will base it on the price you paid for your dog. Ask about age cut-offs, too. Some insurance companies won't insure dogs over a certain age and will even drop insurance once a dog reaches 10 or 11 years.

Other Dog Insurance
  If life insurance on your pooch isn't practical, consider getting help with healthcare to improve the quality of his life and possibly extend it. If you haven't looked into it before, you might be surprised at the number of companies that offer health insurance for pets. Like your own health insurance, there are usually different levels of coverage ranging from wellness plans to accident coverage. It may not insure the life of your dog, but it can help defray the costs of medical treatment -- which may end up literally being a life and death issue.

Do You Need Life Insurance?
  If you have health insurance for your dog, determine if the policy covers burial or cremation. If it does, you may not need a life insurance policy unless you are looking to recover a financial loss from the death of your dog. This is a common thought for breeders, owners of top show dogs and owners of service dogs. In these cases, the loss of your dog may cause a financial loss as well. For example, service dogs who provide assistance to those with disabilities undergo expensive training. When a service dog passes, the owner must replace this dog to continue to receive support. Having a life insurance policy will help cover this replacement cost.

How much does dog health insurance cost?
  Costs vary. Typically the fees are paid monthly and there may also be an annual fee.
  Online quotes are easily accessible. For instance, an ASPCA basic plan for a one-year-old mixed Beagle puppy living in Los Angeles would cost $8.99 a month with an annual issuance fee of $10.50. It's a level 1 plan, which is basic accident coverage. Boosting coverage to accident and illness would increase the premium to $26.64 a month. A plan that adds wellness care would be $43.23 a month. The premiere plan, with the most extensive coverage, is $72.01 per month.

How much does pet health insurance pay?
  Pet health insurance plans range from basic to deluxe, and the coverage varies from plan to plan. Typically, pet insurance plans are set up with a deductible that ranges from $100 to much higher. Then, Sullivan says, much like the human "fee-for-service" or indemnity model, the plans provide an 80% reimbursement for covered expenses.
  Plans are likely not to pay for "cosmetic" procedures. For instance, ear crops, often performed on show dogs, won't likely be covered unless they are medically necessary.


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Friday, April 4, 2014

The Most Expensive Dog Breeds

The  Most Expensive Dog Breeds
  Man’s best friend doesn't always come free. In fact, some are willing to pay in the thousands for certain types of dogs, even breeds that are fairly easy to obtain. Though costs will vary based on location and breeder, these 13 breeds often have the highest average price tag.
  The most popular dog breeds are not the worlds most expensive dog breeds,  but the luxury dogs rate high in the top of the list. Popular dog breeds change from year to year and from country to country; and so do the most expensive dogs in the world.

What Makes a Dog Expensive?
  There are a variety of factors which make dogs expensive. Purity of breed or their rarity can make dogs extremely expensive. When they are offspring from prize winning dogs the prices can skyrocket too, but the biggest factor is the C-factor. As soon as a dog is spotted or photographed in possession of a celebrity, the dog’s price will shoot beyond the moon. It has happened in the past, and it will happen in the future.

The most expensive dog ever sold
  The most expensive dog ever sold was recently in March 2011, a red “Tibetan mastiff” called Big Splash, or “Hong Dong” in Chinese.  This most expensive dog ever is already 11 months-old and already stands nearly three-feet-high at the shoulder and weighs more than 180lbs, says his breeder, Lu Liang.   He was purchased by a chinese multi-millionaire coal baron.
  ‘Big Splash’ sold for an amazing 10 million Yuan which is about 1.5 million US Dollars and beats the earlier record set by another Tibetan Mastiff Tibetan mastiff” called Yangtze River Number Two which was sold to a chinese woman in 2009 for a whopping 4 million Yuan (About $609,000).   But this still doesn’t make the Tibetan Mastiff generally the most expensive dog breed.

The Most Expensive Dog Breeds
  Roaming along the internet, in a variety of countries here is a countdown of the top most expensive dog breeds our editors found.

1.Irish Wolfhound ($1,500 to $2,000)
  Two thousand dollars might seem a small price to pay for the tallest of dogs, also known for a commanding appearance. Irish Wolfhounds are known for their athletic ability, especially in endurance running. And of course, there is an Irish proverb to describe their personality: “Gentle when stroked, fierce when provoked.”

2.Saluki – $2,500
  The Saluki is a breed of dog that is known for its aloofness. This breed is very loyal to its owner and can become extremely attached to a single person. These are great with children as long as the children do not roughhouse and act as a threat.
  The Saluki is an insecure breed that must be trained gently but with a firm and consistent manner. They are submissive by nature and can be easily distracted. It’s important that you establish your status as the pack leader or else your Saluki will not feel secure with its surroundings.

3.Pharaoh Hound ($2,500 to $6,500)
  Another one of the oldest domesticated dogs in history, the Pharaoh Hound is thought to have originated in Egypt as far back as 3000 B.C., according to the AKC. A medium-sized dog with a coat that can range from tan to chestnut to red golden, Pharaohs have a unique "blush" in which their nose and ears turn a deep rose color with excitement. Used today for hunting, obedience and lure coursing, Egyptian Pharaoh Hounds are friendly, playful and intelligent family members. Their athleticism also requires regular exercise, particularly in a fenced-in area to prevent them from chasing after small game. 


4.Akita ($1,500 to $4,500)

  The Akita breed originated in Japan. Akita dogs are docile, courageous, fearless, and surprisingly intelligent. They are family oriented dogs. Akitas socialize well and they can be very spontaneous. The Akita needs a firm and confident pack leader or else they will act spontaneously and out of order often.

  Because the Akita needs a firm leader, it is important that all humans establish their higher-order over the dog, or else you may see excessive biting and growling coming from it. The proper training and exercise will ensure that you have a well-tempered animal.



5.Chow Chow – $3,000 – $8,000

  An ancient breed that dates back to around 300 B.C., Chow Chows are thought to have originated in China and served as hunting, birding and guard dogs. A medium-sized dog with a large head and round muzzle, the Chow Chow is recognizable by their blue-black tongue and lion-like coat. Loyal to their owners and prized by dog fanciers for their regal appearance, Chow Chows are truly a unique breed.




  Though it is thought to be one of the most influential and ancient dog breeds, the history of the Tibetan Mastiff remains a mystery. While some function as livestock protectors, most Tibetan Mastiffs are kept as family guardians and companions. A large, strong breed with a massive head, thick coat and long, bushy tail, the rareness of the Tibetan Mastiffs can drive up their prices. In 2011, a Tibetan Mastiff by the name of "Big Splash" was sold for an astounding 1.5 million dollars by a Chinese businessman, making it the most expensive dog ever sold.

  The massive Tibetan Mastiff displays a “noble bearing” and a royal price tag to go with it. It is an aloof and watchful breed, with an immense double coat and a kind expression. But the breed’s dignified personality can also translate into a reluctance to participate in organized activities like obedience.

7.Cavalier King Charles Spaniel –  $1,000 - $14,000 
  Named in honor of King Charles II of England, the Cavalier King Charles Spaniel has been considered a fashionable lap dog and family companion since the 17th century. Easygoing and friendly, Cavalier King Charles Spaniels thrive in both the city and the country and require regular grooming.

8.Rottweiler ($2,000 to $8,000)
  Rottweilers are as multi-talented as they are robust and powerful. The intelligent, patient breed often works as a police dog, herder, service dog, therapy dog, or obedience competitor. But Rottweilers are also protective and self-confident, making them excellent companions.

9. Lowchen ($5,000 to $8,000)
  L√∂wchen means “little lion” in German, a fitting name for this small dog with an impressive mane of hair and talent for agility. The breed is often given a “lion” trim, too: clipped close to the skin at the hindquarters, with cuffs of hair around the ankles and a plumed tail.

  Originally used during the 19th century in England for bull baiting, Bulldogs exhibit courageousness and ferocious tenacity. With a clownish and amiable personality, Bulldogs have become popular companion dogs and are now among the most popular breeds in the United States. Known for its affinity for sleeping and eating, Bulldogs require little more than a daily walk. Because of their short muzzles, the breed is prone to breathing problems among other health-related issues, making them a more expensive choice than other breeds.

11. Samoyed ($4,000 to $11,000)
  Bright and alert, with a weather-resistant coat, Samoyeds excel at agility, herding, weight pulling, sledding, pack hiking, and conformation shows, among many others. But the Samoyed’s premium price could also be due to its looks: a coat that ranges from pure white to biscuit, and black lips that curl into a well-known “Samoyed smile”.
  Originating from Siberia, the Samoyed is a devoted and friendly man’s best friend who is not afraid to be playful when the time is right. Samoyeds are a gentle breed who are friendly to everyone they come in contact with, including intruders of your home. It’s much too friendly for you to use it as a watchdog, although it will definitely alert you when they are in the presence of someone strange.

12.German Shepherd- $3,000 - $24,000 
  A breed that's both intelligent and versatile, the German Shepherd was originally developed to guard and herd flocks of sheep but today makes for an ideal companion and, among other things, police, guard, war and search-and-rescue dog. Because of their versatility and skill set, a well-trained German Shepherd can be a costly expense. The breed is a devoted family dog but can be protective and suspicious towards strangers and other dogs.

13.Bearded Collie- $1,000 and $5,000
  The Bearded Collie is considered as one of Britain’s oldest breeds. It was in 1514 when a Scottish shepherd was said to breed a Polish Sheepdog with his other herding and flock dogs such as the Komondor and Old English Sheepdogs. These breeds were said to form the foundation of the breed. In 1967, the first litter of Bearded Collies in the USA was whelped.
  Bearded Collies are good hunting and herding dogs. They can grow to a height of 20-22 inches and can weigh 60 pounds. They do not thrive well when kept indoors in cramped living spaces. They hate to be confined and prefer to be outdoors even in adverse weather conditions.

  More is not always better. The price of the dog is not important, it is all about the love it gives to you and the love you can give back to the animal.

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