Archive for the ‘Insurance’ Category

Pets Best is Still My Choice of Pet Insurance

Saturday, January 30th, 2010

I got a good question from Nicole about whether I had decided to stick with Pets Best insurance. Her comment about the new audience’s response to all the nutrition advice I’ve been telling folks on my other two shows is really true — it’s refreshing to see people’s reaction when they hear for the first time that kibble isn’t all they’ve been telling us!

I love you on your new show WOR. It’s cute how the information that you give is so new to the group that is listening to that show.

Anyway, as you may guess I listen by podcast, sometimes many weeks later, and often out of order. So you were talking about possibly switching your pet insurance recommendation away from Pet’s Best to another company. But, then you said you switched back.

However, because I listened out of order, I’m not too sure about what came first the chicken or the egg, kinda thing. Can you talk about that again on the show?

Thanks for all that you do. Harley, is a healthy happy 10 year old kitten thanks to you and your awesome advice about nutrition.

On the January 30th DOG TALK® I explained why I stayed with Pets Best — reliability, transparency and customer service. And I do continue to recommend that everyone get insured — and use my discount code AP5252 for Pets Best when you CALL to get a quote — much better than the internet to be sure of what you are getting.

Tracie

A WOR Listener Wants Vectra 3-D

Wednesday, November 18th, 2009

How nice to get an email from Rob, one of my new listeners who is ready to take my advice on the products and services I have personally invited to be part of DOG TALK® & CAT CHAT®. I am honored that I am already gaining your trust — over the years on my other radio shows I have earned my listeners belief in my recommendations, but it’s truly gratifying to already have made that connection to my WOR folks!

Hi Tracie — I enjoyed listening to your show tonight! Very informative and thanks! I just would like to know the name of the product that you mention about ticks and fleas? The once a month treatment you said repels and kills the parasites? And also the good insurance company for dogs you mentioned on the air. I rescued an 18-month male German Shepherd (Wilson) who was abused, and I am trying very hard to socialize him with other people and dogs, but it hasn’t been easy!! But I took him away from the previous owners for they were considering putting him to sleep! Thanks for your help, and keep up the good work on your show!

I wrote him back: Thanks for the very nice note. The show is brand new so I am thrilled that you found it and that it’s to your liking. I look forward to continuing to bring you new ideas and guests to share information every week. And I want to salute you for giving Wilson a new home — what a good soul you are! And what a gorgeous boy he is — I’ll put his photo up in my Dog Talk® gallery on my main website www.TracieHotchner.com. It is such a challenge to help socialize a dog who didn’t get the right upbringing but patience and perseverance will win the day eventually.  My book THE DOG BIBLE has a lot of information and advice about re-homed dogs since that is how my own pack of dogs developed. I know you’ll find great satisfaction in helping Wilson feel more at ease in the world.

In answer to your questions, the name of the truly fantastic topical application against fleas and ticks is Vectra 3-D.  My dogs have been on it for 8 months now without a tick being successful in latching onto them, even in the hills full of deer in Vermont!

You may need some help in encouraging your vet to carry it. If you ask and they do happen to carry it, you are “golden” — but if they do not have it and need to have more information in order to carry I, please let me know so Dr. Elizabeth Hodgkins can call from Vectra to introduce your vet to it. Please let me know either way.

And the pet insurance company I just switched to is Petplan. I think they have the best coverage and most efficient way to file claims.  To find out more, call 866-467-3875 and press EXT 2411 to talk to Fabrice for a quote (I am making a donation to the Humane Society of the United States for every listener who signs up — which the company itself does, too). The smartest time to get coverage is when your dog is young and healthy as Wilson is now — with no pre-existing conditions. That means that is anything does happen his vet bills will be covered. I recommend doing what I did and getting a policy with an 80% reimbursement (to keep your premiums more reasonable) but Fabrice at EXT 2411 will help you figure out what is best for you.

Again, your enthusiastic words meant a lot and I hope you’ll keep listening and get other pet-loving friends to listen to the show, too.

Tracie

The Dog Bible

The Dog Bible

Switching to Petplan Insurance but…

Sunday, November 8th, 2009

You have heard me speak about one of my most astute listeners in Atlanta, Bob, who frequents the dog park with his good pal Smokey. Bob doesn’t let a thing get past him — he checks and double-checks every product and service I align myself with — and I welcome and appreciate his careful eye.

So I was truly delighted that Bob became the FIRST Dog Talk® listener to switch to Petplan insurance from Pets Best, which I had previously recommended. There were changes in the coverage Pets Best was offering and a number of listeners told me they had problems with claims (including myself — when Scooby Doo’s torn ACL ligament was not covered because I had “only” been with the company 10 1/2 months and I had no idea they required an entire YEAR of coverage before knee surgery would be covered). So I have been looking for a company I could wholeheartedly endorse and found Petplan, which is the oldest, and world’s largest (covers 40% of ALL pets in the United Kingdom!) insurer of animals.

I also really admired Petplan for their charitable relationship with the non-profit animal group I am proud to be associated with — the Humane Society of the United States (HSUS), to which they give a donation for every policy written. I have declared that for every one of my listeners or readers who signs up for Petplan I will make my own donation to HSUS. I want to support those who stand by HSUS despite misinformation and sometimes misunderstanding of their mission.

Hi Tracie – Heard your show this morning on iPod and immediately looked up Petplan insurance, and switched to it from Pet’s Best. It is a great plan and I really like the idea of the 100% reimbursement option at a reasonable cost. Almost did not do it, since you said Petplan supports the Humane Society of the United States and I am opposed to the HSUS alliance with Michael Vick (Mr. “I feel sorry for me — not the dogs I killed — so I will make a phony apology”) It was really was a big shock to me, but the insurance is worth it, in my opinion.

Ciao – from Bob & Smokey

Thank you, Bob, for your confidence in my advice and opinion where Smokey’s welfare is concerned, and yours as well. I am truly humbled by your willingness to join forces with Petplan, despite the fact that this company supports the work of the HSUS. As you know from listening to my show for years, I am an ardent supporter of the HSUS so the fit for me with this pet insurance company was perfect. In addition, Petplan also has the most inclusive coverage with no breed discrimination and very easy, straightforward claim procedure without a bunch of forms to fill in.

As far as Michael Vick goes, I hope you did listen to the full hour show I did a couple of months ago with HSUS president Wayne Pacelle in which we discussed the Michael Vick case and how HSUS is using him to help stamp out dog fighting in the inner cities. (mp3) As I explained on the air, it makes perfect sense to put Vick to work talking against dog fighting to young men in rough neighborhoods. Who else can reach these at-risk young men than someone who shared their experience — did the crime, did the time, and now is doing community service to spread the word of how wrong dog fighting is, with the backing of the HSUS.

I hope you can separate your justifiable emotional reactions to Vick — what he did was heinous and a court found him guilty and sent him to Leavenworth prison — from the practical issue of whether there is a way to use Vick to make a positive difference in stamping out dog fighting in our cities. (By the way, it was solely the work of the Humane Society of the United States, which prompted the very legislation that allowed Vick to be tried and convicted). The HSUS is not attempting to be judge and jury for Vick’s dog fighting past — that has already been handled — instead, HSUS has devised a way to put a real person up in front of these kids in tough neighborhoods full of pit bulls and explain that what he did was wrong and that dogs need to be our friends and companions, not tools for violence.

On November 21st I do have Wayne Pacelle, the head of HSUS, coming on my new radio show Tracie Hotchner’s DOG TALK & CAT CHAT® on WOR 710 at 10 PM (EST). We are going to be discussing this issue. I hope you will call in to 212-766-7100 if there is anything you want to ask Mr. Pacelle or express to us on the air.

The following week I will have Def Jam founder Russell Simmons — who is a vegan, animal-loving man dedicated to educational issues — coming on the show to discuss his support of using Vick to stop other young men from going down the path he did.

But most of all I want to thank you for your trust in my advice and your swift decision to sign up for Petplan. I did the same thing and requested the reimbursement from my previous pet insurer that by law they have to pay of unused premium.

Pet Insurance Even For Senior Citizens

Saturday, August 29th, 2009

Gracie, September’s Dog Talk Dog of the Month, just recently got pet insurance when her Mom Laurel discovered it was affordable with Pets Best, who will accept the older citizens other companies refuse. Here’s what she said:

Just thought I’d forward a couple of more pictures of Gracie to you. We are looking forward to having Gracie featured on your show next month as Dog of the Month. This is so much fun and such an honor. Furry Friends Rescue is also excited that one of their “alumni” is going to have her story shared on your show!

Also, I wanted to let you know that I have successfully purchased a Pets Best Insurance policy for her. She is very healthy but is also nine years old, so I never dreamt that I would be able to afford a pet insurance policy for her, due to her age and size, but for a nominal monthly premium I now have peace of mind that whatever medical problems we will face in the coming years, I will have financial help in meeting Gracie’s medical needs.

I have also recently purchased two more of The Dog Bibles to give as gifts to two friends who have recently adopted dogs and I have told several friends about your show’s availability through podcast so they can listen in and hear your advice (not to mention Gracie’s 15 minutes of fame!)

–Laurel

Max the Golden is Gone

Friday, June 19th, 2009

Dear Tracie and Kate:

Max’s battle with cancer ended at 7 p.m. this evening. Unfortunately, cancer won and took my Max from me. He fought with every ounce of strength he had in his very tired body. He wanted to stay with me. But he just couldn’t fight anymore, and I had to give him the peace he deserved. I will love and honor him forever.

Upon returning home, I found the little girl, Heather, who comes to play with my dogs, sitting on my doorstep crying. She had in her hand a paper she said she wrote this morning before leaving for school. Nothing I can write here now can honor the memory of Max more than what this amazing little girl wrote about him. I share it here with you:

Max is one of a kind. Max is now a three-legged dog that makes him even more special. Also, that Max has a long nose makes him special. You could play tug of war with Max, and if you threw the ball he would go and not leave it until he had that ball in his mouth. Max is that dog that is so friendly to anyone even if you don’t know him. When he hears something, he perks his ears up and listens. Max is that dog that you could look down at and say what a dog. You could say so many things about him but it wouldn’t be enough. Max would be so good if he wanted something like a treat or a toy he would just sit there and watch until you would give it to him. Max went through a lot of things, and that is also why he is so special.

Max is 10 years old like me. We had a birthday party for him and Gabriel and the rest of the crew came over to Pam’s house. I made Max a t-shirt that said he was the best dog in the world and I wrote to him on the back. I made him his cake, and Max got the first piece. Max’s birthday is February 8th. He was getting old. I found out on the 8th of June something I didn’t want to hear. Have you ever read the book Marley and Me? Well, Marley did everything different. Marley would jump on people. Max would stand in front of you wagging his tail waiting for you to pet him. There is only one thing that happens the same. If you read the book you will probably cry because I did, and just beware because it is sad. I wrote this all in memory of Max in every Good Amazing way (because there was nothing bad about Max). You would not want to forget Max, the one of a kind dog, because he will remember you forever, too. I also wrote this to remember his birthday, and to say that you could NEVER in history replace HIM in the WORLD. So MAX, THE BEST DOG IN THE WORLD will ALWAYS be here with us FOREVER.

Love Heather

Out of the devastation of losing my Max, some extraordinary beauty has come into my life. This essay from Heather is just one beautiful example.

I am going to sleep now. It will be the first night I will sleep in my own bed in a very long time. In the morning I will try to figure out how to live without Max. It will take awhile, but I know my boy will show me the way.

Goodnight, Max, my Love, my Heart. Sleep peacefully, my Angel.

I am going to sleep now. Tomorrow I will wake up and try to figure out how to live my life without Max.

Max the Golden

Max the Golden

Pet Insurance Age Eligibility?

Wednesday, May 6th, 2009

This is from Kirstin, the Mom to Poochie, who was a Cat of the Month on CAT CHAT®. Turns out she taught me something I didn’t know about Pets Best Insurance — so now even more oldsters can get on board! Thanks Kirstin!

Dear Tracie,

I loved the show on Wednesday (as always!), but just wanted to let you know that Pet’s Best DOES seem to cover cats (and dogs) of any age, according to their website (you mentioned on your show that 12 was the cutoff for cats). Perhaps they used to have a cutoff, but it seems that now they don’t, thankfully! And thank YOU for directing me to Pet’s Best!This was under their FAQs in response to a question as to how old is too old to insure a pet:

You may enroll your dog or cat as early as 7 weeks of age. Like children, young dogs and cats have the highest risk of accidents. Since their immune systems aren’t mature they are more susceptible to infectious diseases. Unlike other companies we don’t have an upper age cutoff. As they grow older, our pets face the same risk of cancer, heart disease, kidney failure, and other problems of aging that we all do. An older pet may develop chronic disorders that require a lifetime of care and expense.

Oh, and i got THE CAT BIBLE and LOVE it!!! I can’t put it down…

Take care (and meows from the cats),
Kirstin

The Cat Bible

The Cat Bible

May Day for Max – Looking for a Miracle

Sunday, May 3rd, 2009

The wonderful brave Golden retriever Max, and his Mom Pam and her daughter Julie, have just been dealt a real setback in his recovery from the amputation they did just a few months ago to stop the cancer that was found in his front leg bone. He’s been doing well with the chemotherapy (although it was ruinous financially since the VPI insurance Pam had so dutifully been paying for all four of her Goldens didn’t cover but a fraction of the charges, unlike the Pets Best Insurance I urge everyone to get, especially when hearing of a story like this). Here’s the update:

Max the Golden

Max the Golden

Tracie -This has been another emotionally exhausting day. We had been playing ball with Max out in the yard and stopped throwing the ball when we realized the heat had gotten to him. But when trying to cool him off with ice packs to the armpit and groin didn’t seem to help, we took Max to the emergency vet clinic near us in West Islip. His blood pressure was very low, his white blood count over 40,000 and he had a moderately high temp. They had to bring him in on a stretcher, he was so weak. They put him on IV fluids and antibiotics and kept him overnight. They also did a chest x-ray which was normal so they took cancer out of the equation for the time being and treated him for dehydration. They wanted to stabilize him. I went home and stared at the ceiling all night.

Next morning I saw a different doctor. He said based on Max’s history we should do further tests to make sure the cancer had not come back. But first he wanted to bring Max in to see me to see how he would respond. Well, Tracie, Max came round the corner and practically pulled the doctor down trying to get to me. I threw myself down on the floor and my handsome 75-lb lap dog sat on my lap like he always does. We all laughed and remarked what a difference the supportive care had made. Max was excited and lively. The doctor still wanted to take x-rays of Max’s belly and repeat the blood work, even though he thought that Max had probably just succumbed to the extreme heat and had indeed been dehydrated. The doctor said it was just a precaution and I really wasn’t worried.

X-rays showed his intestines pushed back in his stomach. The doctor said this could be normal for Max but we should ultrasound it to make sure there wasn’t something there. I started to get a little worried but, for some reason, I was still optimistic. I went outside to call Julie at work to let her know what was going on. The doctor came out with the ultrasound picture in his hand.There was a mass. The size of a softball. And it was black which meant it was bleeding. Probably hemangiosarcoma, he said. It was between the liver and spleen and he wanted to do additional views to zero in on the exact location. If it was on the spleen, we could do a spleenectomy and Max would probably be fine. On the liver — that was a different story with not a happy ending.

I waited and chanted inside my head: spleen, spleen, spleen… please… please… please…

But, it’s on the liver.

This morning the ER doctor called to tell me the follow-up CBC showed Max is very anemic. This means the mass is bleeding into his belly. He faxed everything to Animal Medical Center in the city and had a telephone consultation with one of Max’s oncologists. I think Julie and I are going to AMC in the morning for them to do another ultrasound and possibly an MRI or CAT SCAN. I say “I think” because I have been lying with Max all day and he has become very weak again and I’m not sure I want to put him through anything else. If AMC feels that the tumor is operable, Max would have to undergo major abdominal surgery with extreme risks. This is not like the amputation and AMC is not sugarcoating it. Under the best circumstances, he may only get 4 – 6 months. Under the worst, he could die during the surgery and that is a very real possibility. If we do nothing, he will bleed internally until he can’t breathe and then he will go into shock. This could be tonight, in a few days, not more than a few weeks. Of course, there is always the “other” choice.

I go back and forth between sadness and anger. IT IS ONLY 3 l/2 MONTHS! We were supposed to get the summer. Max was supposed to run on the beach and swim after tennis balls and sticks. I sound like a 5-year old when I scream “IT’S NOT FAIR!!!” I sat in the chemo waiting room every other Saturday and listened to stories of cats and dogs who defied the odds and outlived their diagnoses. Max was supposed to be one of them.

But then I know that Max is 10. And we have had a 10-year relationship like none I have ever had with any human. We have had a wonderful, full life together. He has thanked me every day since the day I adopted him through LIGRR (Long Island Golden Retriever Rescue), and I have been privileged to have him by my side. I want to hold him until his last breath. He IS my breath. He IS my bones. He IS my heart.

I wanted to let you and your listeners know about Max because of the tremendous support I received through your talk show and your wonderful audience. I don’t know what tomorrow will bring. If you know of a miracle, please send it our way. I’ll update you when I’m able.

Max’s Mom, Pam

I wrote to Pam & Julie:

Oh dear me. What a setback and blow to your dreams. In making the decision, just do your best to see it from Max’s point of view. You already know that. But being in your arms is what he wants, he showed you that at the vet’s. My thoughts are with you, as always.

Pam gave me an update:

We took Max to AMC. They took additional views on ultrasound. Three oncologist surgeons reviewed the pictures and felt it was a single liver lobe that could be removed. All 3 agreed it is definitely operable. And it COULD give him another 6 months to a year. Max is scheduled for surgery this Tuesday May 5th. There are horrible risks. If they get into his belly and find that it is much worse than can be seen on ultrasound they will tell us, and Julie and I have decided, in that case, we will not let them wake Max up. Even if all is well, Max could die during surgery or from complications after. But he can’t live with this thing growing inside him, so we have to give him this chance.

It is expensive. Another $4,000. I have to call Care Credit today and hope to God I get the additional credit. I will beg and plead. Max HAS to get this chance.

Julie and I are going to make this the most wonderful weekend for Max. I wish the weather was better because we would carry him down to the beach. We are going to take lots of pictures and movies. I’m praying for a miracle but we have to be realistic and know that this could be Max’s last weekend. I am going to try not to cry any more in front of him. The doctors are hopeful. Julie and I will be hopeful. Max is a dog FULL of love and hope and happiness. So that’s the motto for this very special weekend – love, hope and happiness.

I’ll write you after surgery. Wish us luck.

Max’s Mom, Pam

I honestly don’t know how you and Julie have the strength to go through this. I am going to post our correspondence and then put it on Twitter so more people can be praying and sending good vibes and karma your way for Tuesday’s operation. I admire your emotional strength and faith in Max’s will to live and thrive. You are a stronger woman than I am and an inspiration to all of us who call our pets family. I couldn’t even trust myself to talk about this on DOG TALK® yesterday — I was just going to lose it on the air, I know that.  So instead am going to send this turn in Max’s story out by internet and maybe get even more people pulling for him

Blessings on all of you.

Tracie

Music Teacher Needs Pet Insurance

Saturday, February 21st, 2009

I thought I’d said the name Pets Best Insurance enough times that everybody knew by now that I think it is the most solid company out there. But apparently I need to do some more reminders! I just got this from Mitch:

Dear Tracie – I presently have VPI for my dog and have become disenchanted with it because of so many exclusions. I can’t always listen to your show on Saturday mornings as I am a music teacher and have students often at the same time. What are your recommendations for pet insurance?

Alden – you should be signed up for the podcast if you cannot listen live. You would have heard me tell everyone time and again that Pets Best has the most fair and generous policies of any company: after a $75 deductible per incident they pay 80% of 100% of all bills. No schedules. Read the email trail on my bulletin board with Max’s Mom Pam who is going through cancer amputation and chemotherapy with VPI paying only pennies on the dollar. Contact Pets Best immediately. Tell them you want the Dog Talk® discount – hear the exclusions that might apply but just as important is how much they pay on each claim.

Keep that music playing!
Tracie

The Dog Bible by Tracie Hotchner

UPDATE:

I sent the email about pet insurance to Dr. jack Stephens, who “invented” the concept of pet insurance and actually owned VPI until it was bought away from him by a big national company (which is when many of us who were customers noticed the benefits diminishing). I asked Jack for his comments on the email aobut 90% reimburesment and his reply follows. The thing I have been trying to stress to folks is that you hve to really shop & compare. If a company like VPI has an allowed “scheduled” amount for a service then if chemotherapy, for example, costs $3,000 and they say it should cost $300 they will pay 90% of what THEY think is an acceptable fee. Just look at my website for the story of Max the Golden with the leg amputation and his mom Pam who paid for insurance for all four of her Goldens with VPI and is heartsick over how very very little they are covering of Max’s actual costs. I will stick to my guns and tell you all that Pet’s Best is the only one I’ve found with no confusing calculations – they pay 80% of 100% of your bills, no matter what. Here is Dr. Stephens’ reply to my blog posting and response to Sarah’s comment:

Tracie,

Very well said. VPI pays 90% of a schedule, which is much less than average vet charge. Two other companies offer 90% of Usual and customary, but you pay more for it. The consumer pays for what they get, if they want low deductibles, no copay then of course there will be higher cost and restrictions. the more they co-insure or have higher deductibles the lower the premium.

There are many good options out there now for pet insurance, but they all have their idiosyncrasies, including PB. We try to give the most value and what the pet owner needs to take care of their pet. We have a higher calling: pleasing the vets and saving pets. But all of us want and have to make money.

Yours, Jack