Wednesday, June 15, 2022

Does Pet Insurance Cover Ear Infections

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What Is Covered By Pet Insurance

Dog ear cleaning – Dr. Caldwell for Pets Best Insurance

Below are some fictitious situations in which compensation is payable under Pohjola Dog Insurance and Pohjola Cat Insurance. We describe the situation and whether the loss is generally covered by the insurance. Please note that we handle every claim individually and the nature of the event may determine whether we can pay compensation.

What Are The Costs Of Pet Insurance

The cost of pet insurance varies depending on where you live, your pet’s age and breed, and the level of coverage you want. In most cases, you’ll end up paying between $25 and $70 a month to insure your dog and between $10 and $40 a month to insure your cat.

These costs can be lower or higher depending on how much coverage you want. For example, you can increase your premium in exchange for a larger payout when your dog or cat gets an eligible treatment.

If you’re looking to purchase a policy, get a quote from an insurer’s website. You can also compare pet insurance plans to find the policy that best matches your budget and desired level of coverage. The table below shows quotes for two sample pet profiles: a 4-year-old male Labrador and a 4-year-old female Bengal cat. For older pets, the costs of pet insurance will likely be much higher and may not be worth the expense.


Keep Your Insurer Informed

If your pets circumstances change, you must tell your insurer. Common changes are moving house, changing owner, getting your dog spayed or neutered, or if you start using your dog for commercial purposes.

So, basically, the rules are simple – always make sure you read the terms and conditions of your policy carefully and in full, to make sure you know exactly what is and isnt covered, and be open and honest with your insurer at all times.

However, if your claim was rejected or refused unfairly, you can appeal to the Financial Ombudsman through their website.

There are a lot of reasons why a claim can be refused, but overturning the decision is possible, if you can provide the right evidence.

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Standard Extra And Premier

Pets must be at least eight weeks old when cover starts any pre-existing injuries and illness are not covered. Illnesses which you or your vet were aware of within the first 14 days of your policy first starting, or any illness that develops from them are not covered. Cruciate problems which you or your vet were aware of in the first 14 days of your policy first starting however caused, or any arthritis, illness or injury that develops from them are not covered.

Otitis Externa Is A Common Pet Ailment

Petplan Pet insurance: How much  could you save?

Otitis externa, or ear infection, refers to an inflammation of the ear canal, and can be caused by by a foreign body in the ear canal, parasites, yeast or a bacterial infection. Itâs also one of the top claims submitted by Nationwide pet insurance policyholders year after year.

In 2016, Nationwide pet insurance policyholders submitted more than $8.7 million in claims for canine otitis externa, making it the highest claim submitted for dog owners. Although it is not as prevalent in cats as it is in dogs, ear infections landed at No. 2 on the top 10 claims submitted by policyholders.

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How To Apply Ear Drops

If your cat is prescribed eardrops to clear up an infection, make sure your veterinarian shows you how to use them. You can also refer to these steps to help:

  • Hold the earflap and gently pull it up to open the ear.
  • Apply the eardrops as instructed into the ear canal.
  • Continue to hold the earflap up, so the medication goes into the ear.
  • Place one finger in front and one in the back of the earflap and carefully massage the ear area.
  • Once thats done, you can release the earflap. Dont worry if your cat immediately shakes their head or paws at the ears. These are normal reactions and typically wont affect the eardrops. However, if you have any concerns about your cats response to the drops or problems applying them, its always a good idea to reach out to your veterinarian.

    Signs Of An Ear Infection

    Symptoms of otitis externa include:

    • Shaking of the petâs head
    • Pawing at the ears
    • Reddened or thick and scaly skin around the ear
    • Abnormal discharge or odor from the ear
    • Aversion to being petted or touched on or around the head

    Pet owners who suspect their four-legged friend has an ear infection should schedule an appointment for a thorough physical examination with their veterinarian right away. Your veterinarian will determine the cuase of your pet’s otitis externa and prescribe the proper course of treatment for your pet.

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    How We Collect And Use Your Personal Data

    Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our Privacy Notice.

    We collect data when you browse our website , request a quotation, partially complete a quotation, do not purchase or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

    We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime.

    We use data such as your name and address, to find any Tesco Clubcard that are linked to your address. That might be your Clubcard, the Clubcard of other family member, or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

    Pets must be at least eight weeks old when cover starts, any pre-existing injuries and illnesses are not covered.

    Monetary limits, excesses and exclusions apply.

    Certain breeds of cat and dog are not covered.

    Whats Covered By Pet Insurance

    Pet Ear Infections and Preventing Deafness

    Pet insurance is a health insurance policy that pays a portion of a pets medical bills. You can purchase a comprehensive nose-to-tail policy that covers a wide range of health-related problems. For example, if you want coverage for accidents, illnesses and wellness care, Nationwides Whole Pet with Wellness plan covers these type of health-related problems:

    • Accidents and injuries, such as poisonings, sprains and ACL ruptures
    • Chronic illnesses such as allergies, arthritis and skin conditions
    • Common illnesses such as ear infections, vomiting and diarrhea
    • Serious illnesses such as cancer, heart disease and diabetes
    • Hereditary conditions such as hip dysplasia, eye disorders and blood disorders
    • Testing and diagnostics such as X-rays, MRIs, CT scans, blood tests and ultrasounds
    • Procedures such as surgeries, hospitalizations, nursing care, endoscopies and chemotherapy
    • Holistic and alternative procedures such as acupuncture, chiropractic and laser therapy
    • Wellness procedures such as vaccinations, flea/heartworm and spay/neuter

    Comprehensive pet insurance policies will be the most expensive plans. If you dont want a policy that covers all of the above, you can buy a policy with fewer benefits. For example, you can buy a policy that covers only accidents and illnesses, or a policy that covers only routine vet visits for checkups and vaccinations.

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    What Can Medibank Pet Insurance Cover

    The world of pets is almost entirely unpredictable and we’ve all heard the stories of accidents or sudden illnesses that result in high vet bills. A visit to the vet could set you back anywhere from an average of $267 for an ear infection, $1,930 for a snake bite and up to even $10,697 for multiple fractures^.

    Medibank Pet Insurance provides up to 80% back on vet bills for things like:

    • Hospitalisation

    Issue : Deductibles: Low Vs High And Annual Vs Lifetime Per Problem

    Most companies offer you a range of deductibles to choose from when selecting your plan, from as low as $0 to;up to $1000. Generally, the lower the deductible, the higher your monthly premium will be since you’re paying less out of pocket before your insurance company starts reimbursing you for your pet’s medical expenses.;Most companies offer an annual deductible with their plans, but there are some who offer a “lifetime per problem” deductible. Both are good options, but one may be a better than the other depending on what youre looking for.

    If you choose a plan with an annual deductible, you will not be reimbursed for any of your costs until you have reached that deductible for the current year. Any new illnesses or accidents that your pet visits the vet for will contribute to that single deductible for the year.

    If you choose a plan with a lifetime per problem deductible, it means that you will have to pay your deductible for each separate problem your pet has, but you only have to pay that deductible once in your pet’s whole life. This benefits the owners of;pets with ongoing or chronic issues, because you;dont have to reach your deductible every year. Once you reach your deductible for an issue once,;your costs related to that problem;will be reimbursed ;for the rest of your pet’s life.

    For example:

    If I have a plan with an annual deductible of $500;and 90% reimbursement, I will be reimbursed $2,250 each year.

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    Helping To Prevent Ear Infections

    Dogs and cats with allergies are more prone to ear infections, as well as those with fur that grows into the ear canal. To prevent infections in the future, be sure to have your pets ears cleaned regularly. Check with your vet on how to clean your pets ears at home. If your dog goes swimming or has a bath, remember to dry completely.

    The best ear cleaners for dogs and cats

    You will need a few items to clean your pets ears: pet ear wash solution, cotton balls or pads, Q-tips and, dont forget the treats.

    There are many products on the market that are designed to clean your dogs ears. Puplife Today reviewed dozens of ear cleaners to come up with their top recommendations for dogs. Here are their top five:

    Dr. Kait Link, DVM, is a clinical research veterinarian in San Francisco, Calif., and a board member of International Veterinary Outreach.

    Overall Example: Major Medical Vs Everyday Issues

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    As with human health insurance, you have the option to choose a pet insurance plan that is high deductible but carries a lower;monthly premium. These types of plans are especially useful if youre looking for a plan that will cover your costs in the event of a major unexpected issue;, but are able to pay on your own for smaller, more routine issues. However, you also have the option to choose a pet insurance plan that carries a very low deductible and a much higher monthly premium.;If youre looking for a plan that will cover almost everything, including minor or everyday issues,;then this type of plan might be right for you. In the end, choosing a plan that is right for you comes down to evaluating your budget and determining what you want out of a pet insurance plan.

    For example:

    I expect to pay for my pets annual wellness care;and have worked it into my monthly budget, so I already know that I’m not interested in paying an additional monthly premium to have my insurance company cover my dog’s wellness expenses.;In addition,;if any small health issues come up throughout the year,;I have a rainy day fund;that allows me to pay for veterinary care without cutting into my monthly budget too severely. However,;if my dog came down with a serious illness;or had an unexpected accident and needed treatment that exceeded;$5,000,;it would be difficult for me;to financially;recover from that kind of expense.

    Here’s to a healthy winter ahead for you and your pets!

    The CVH Team

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    Does Pet Insurance Cover Pregnancy

    Pet insurance typically;doesnt cover;pregnancy;or;conditions related to pregnancy or breeding. However, if your pregnant pet experiences unexpected complications while birthing and requires a;Cesarean section , the pet insurance company;may cover;the medical cost as long as the pregnancy took place after the waiting period for the effective date of your pets policy.

    Pyometra, an infection in the uterus resulting from hormonal changes in the reproductive tract,;may be covered;by your pet insurance company. Pyometra is more common in pets who havent been spayed.

    Types Of Pet Insurance Coverage

    Insurers mix and match their policies into three main coverage areas: accident-only coverage, accident and illness coverage, and wellness coverage. Specific benefits and restrictions within each area differ by company, which is why we cover pet insurance costs separately.

    For instance, although all the companies weve researched cover hip dysplasia, some impose an age limit on treatment and will deny coverage to older dogs. Others have no restrictions for the same condition.

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    What Causes Ear Infections

    Ear infections always have an underlying cause, the most common being allergies. Both food allergies and inhaled allergies can cause inflammation of the delicate skin in the ear canals and lead to a secondary dog ear yeast infection or bacterial infection. Food allergies account for 15% to 20% of all chronic ear problems. Most ear problems are actually the result of inflammation followed by bacterial infection, then complicated by excessive yeast growth.

    Other underlying causes are often ear mites, moisture in the ears from swimming or baths, and in cats, pharyngeal polyps.

    Pets afflicted with otitis externa rub, shake, scratch and experience varying degrees of misery. Make no mistake about it â ear infections hurt, and they make pets and their owners very unhappy. One of the challenges with most ear infections is that theyâre not really infections.

    Veterinary Ear Infection Treatment Cost

    How To Prevent Ear Infections In Dogs

    If it continues to be a chronic problem or these treatments fail, we may begin to venture into more expensive medications, bacterial cultures, deep ear flushes, food trials and referrals for allergy testing. Luckily, pet insurance covers treatment of chronic conditions such as ear infections, which range from $235.96 in Shih Tzus to $287.77 in Goldendoodles according to Petplan claims data.

    In extreme cases, or âend-stage ear disease,â surgical treatment becomes necessary.

    Just like in humans, ear disease is an itchy, painful condition for your pet, so if you suspect an infection be sure to see your veterinarian ASAP!

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    Does Pet Insurance Cover: Damage By Your Dog To Someone Elses Property

    Sami takes his dog Justus out for a walk in the fresh autumn air. While walking along his home street, which has little traffic, Sami decides to let Justus off the leash so the dog can criss-cross the familiar street more freely.; With a little too much confidence, Sami follows Justus while he walks. Suddenly, the dog appears to notice a car parked on a neighbours driveway. Sami only has time to glimpse a cat crawling under the neighbours car when Justus rushes at full speed towards the car. The dog jumps over the cars bonnet after the cat, leaving the car scratched. The cat escapes and Sami puts his dog back on the leash.; The neighbours car has already been damaged, though.

    Financial Assistance For Pets With Pre

    Even though you cant get insurance coverage for your pets pre-existing condition, there are other ways you can prepare for the costs of treatment and reduce your overall vet bills.

    Remember I mentioned my own cat, Greyson, having a pre-existing condition?

    Pawlicy Advisor has an option to help you reduce the costs of your pets treatment regardless of whether they have a pre-existing condition or not. Because of a special partnership with PetAssure, you can get 25% off all your vet bills when you sign up for their Veterinary Discount Plan. Hallelujah!

    Keep in mind you can only use this plan with participating vets, so dont hesitate to call your local veterinarians to ask if they participate before enrolling.

    UPDATE: Pawlicy Advisor launched another free tool to help you afford your vet bill. Get matched to a charity program you might be eligible for 🙂

    Lastly, its important to prepare financially if your pet has a pre-existing condition that isnt covered by insurance. Research the average yearly and lifetime costs of your pets condition, then put money aside so you can cover your vet bills for preventive care, wellness visits, and emergencies.

    I highly recommend leveraging Pawlicy Advisors policy analyzer to ensure youre getting the best bang for your buck when it comes to pet insurance.

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    How Soon Can You Claim On Pet Insurance

    With most insurers, you wont be able to make any claims for accidents that happen in the first 48 hours of your policy, or illnesses that show symptoms in the first 14 days of your policy.

    Bought By Many has removed this industry standard 14-day waiting period for claims for pet owners who switch insurers. This means you can claim for vet treatment and illness within the first two weeks if you need to, or for accidents in the first 48 hours of starting a new policy with us.

    The waiting period will be removed if you had no gap in cover between switching from your old provider to us. If you need to claim in the first two weeks we’ll ask that you show us proof of you previous policy.

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