Posts Tagged ‘pet’
Sunday, December 18th, 2011
Using everything else increasing in price ranges nowadays, pet protection plans are becoming popular. Many pet proprietors are thinking about leading out doing so sort of insurance coverage for their favored dogs and cats in order to conserve wellbeing care expenses especially when their pets get unwell or injured. zorgverzekering dieren
There are quite a few pet insurers online. A lot of of them are in cutthroat competitors in proposition just about every doable protection offers these folks can imagine that it is a relatively confusing in picking who amongst those goal is the best. ziektekostenverzekering huisdieren
In picking the finest pet health protection, it is intelligent to do pet protection reviews. Here are most crucial details to comprehend that you must take into account even though evaluating this insurance coverage program:
1. Pet Protection Differs
There are many kinds of insurance objectives for pets on the internet and these folks have different insurance coverage. You have to make sure which you realize and recognize precisely which the strategy covers. Most procedures for this insurance just cover disease and injury. Make sure to check whether routine care similar to annual exams, vaccinations, teeth cleaning, and bloodstream and urine testing are component of the insurance policy or can be additional options.
2. Pet’s Age and Breed Make any difference
A pet’s age and breed can influence and determine the cost of a pet wellbeing protection strategy. You need to take into account the pet’s age and type. It is much more overpriced to insure more mature animals than younger ones. This depends on their breed, some animals may not qualify or are non-insurable if these folks are more mature compared to a certain age. Moreover, there are certain varieties which necessitate greater car insurance for these folks are at a higher chance of a lot more repeated and expensive health difficulties in contrast to others. Most various elements to be regarded as that can affect the insurance are the home location and whether the pet life indoors or outdoors.
3. Evaluate its Price ranges or Prices
Explore and compare monthly costs, deductibles, the reimbursement percentage, and the benefit schedule. Unique insurance providers have unique ways of establishing the price, so always get a pet protection price for the specific situation to evaluate in between insurance companies.
4. Take into account the Excess
Most pet insurance providers involve a elevated excess on their policies. This is their way to save them money once it comes to having to pay out statements. Essentially, the excess is the volume which you need to pay every time you have to claim for a sure condition, so once you choose a less expensive product using a higher too much, this could actually lead to costing you far more income.
5. Find out How It Papers
All pet insurance coverage plans enable you to employ any certified veterinarian or animal well being hospital in the nation or even in various international locations if you’re traveling. It is easy to use any licensed veterinarian you want for all pet insurance companies can enable statements from any certified veterinarian. 6. It Does not Cover Pre-Existing Conditions Pet proprietors will have to pay 100% for any excluded circumstances that are not covered by the policy. One those exclusion is pre-existing settings.
7. Veterinary Payments Are Purchased Out of The Own Pocket. Due to the fact this protection is thought of a form of property protection, you need to settle your veterinary bill first out of your own pocket. Then it is possible to submit the declare to your insurance coverage producer for reimbursement.
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Tags: animals, finance, house pets, insurance, Money, pet, Pet Insurance
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Wednesday, December 7th, 2011
Dogs are the a lot typical pet in any household. Their loyalty and gentleness may endear them to their owners building them not just a pet but a part of the family. But a lot dog proprietors have no thought how costly their dog’s anesthesia bills could get, in particular when it gets older. This is the place pet protection becomes useful. dierenverzekering
A lot dog owners may consider which acquiring their dog a pet insurance as unnecessary and a luxurious which solely the rich could afford. In truth, only 3% of dog owners possess pet dog insurance. Which are some of the factors for not purchasing a pet insurance? It is too overpriced – When dogs get older, these folks get susceptible to many conditions enjoy arthritis, cancer and illnesses of the heart, the liver and kidneys. Compare spending a $30 a calendar month high quality on a dog protection now to spending close to $500 a year on medication and a support harness for an arthritic dog later on. huisdierenverzekering
It will not include all my dog’s wellness cost – Of course, it is impossible to come across a program which addresses everything. It’s a similar with your own personal protection. But I believe that possessing a plan is far better compared to nothing. I don’t comprehend which contract to buy – Most people don’t perceive either. But you could begin by checking online. This is where it is possible to find companies, different procedures and insurance coverage price ranges that you may evaluate and pick from.
Now let us glimpse into the factors why you have to include the dog using a pet protection: You do not need to be concerned on wellness expenses for your pet – it is unavoidable that the dog will become old and could create various illnesses. The American Kennel Membership’s survey shows which an normal dog who was the owner spends nearly $1500 a year on wellness care for their canines. Getting a pet dog protection could actually improve lessen your bills.
Assists minimize the risk of reduction – The protection manufacturer will improve you discover the unsuccessful pet and could provide burial procedures for your treasured canine. It may rise the life-time of your dog – Getting a great well being solution might insure the dog’s great wellness and thus offering you more years to enjoy with him.
It could include damage fees animated by your dog – The insurance coverage could help you pay any injury to property which your dog might lead to. This is a sudden predicament which you do not have to be anxious regarding. It might cover legal charges caused by your dog – The pet could result in some injury to various people, that might carry you into a authorized circumstances. If ever before this occurs, the insurance should be there to include the cost.
Your pet may trigger harm to various people. This can occur if the pet is relatively aggressive. This incident can provide you into tough authorized situation. When doing so occurs, you don’t have to pay the authorized charges from your own wallet due to the fact the insurance should cover doing so need. Right after studying doing so, it is easy to now weigh the associates and drawbacks of finding a pet insurance. Decide pronto! It merely may possibly be too late.
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Tags: animals, finance, insurance, Money, pet, Pet Insurance
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Tuesday, December 6th, 2011
Do you have a pet- A cat that can leap into the lap from anywhere, a dog which is such a lot of things loving, a parrot that can speak, or a pigeon which can fly high and come back to your place? If yes, it have to be the preferred pet. Absolutely everyone enjoys one’s pets because these folks dwell with you and also take care of you by showing their affection. This affection and cuteness of dogs and cats desire treatment from you too. dieren verzekering
Possess you ever before thought of acquiring the pets insured? Indeed, pet insurance. That is how you can prove your really like in the direction of your pets. It is some type of insurance coverage simply like the property protection. ziektekostenverzekering dieren
The pet protection will pay the veterinary price if your pet becomes ill or it is hurt in lawsuit of some accident. There are most procedures that pay out when the pet dies or if it is unsuccessful or also stolen. The primary idea powering insuring the pet is that it lessens the expenses of veterinary remedies significantly. As you comprehend nowadays the veterinaries are deploying superior and expensive techniques as a treatment of pets to generate them far more safe from diseases and recover from any sickness or mishap. Additionally the drugs and medicines are becoming increasingly overpriced. Because of this one has to pay a lot in claim of any disease or mishap. Therefore it’s a far better idea to insure the pet.
There are certain procedures that pay you the complete veterinary cost and in some scenarios you have to pay the additional total amount yourself. The extra is determined just before the protection agreement. This extra fee is sometimes known as as “too much”. The too much is generally fixed by the insurer. This too much actually discounts the coverage price for the customer. It is considered which in future the pet insurances are going to be much more versatile and less difficult for the client.
In the past the protection plans did not end up paying for the preventive treatment or elective procedures. These incorporated the vaccination as the instance of former. But now most companies have started this and are offering regimen care coverage, which they refer to as thorough coverage. These can also involve the dentistry care, rx drugs, and renewable therapies like physiotherapy and acupuncture.
There are sorts of procedures. Let’s categorize them on the foundation of pet’s life. It is possible to take into account them beneath two key categories: non-lifetime and life span pet protection. The first one addresses the prospective buyers for a lot situations experienced by their pet during the coverage calendar year. As the New Year starts, a issue that has been formerly stated can be excluded. If which situation needs more fully treatment, the consumer should have to pay for it himself.
The second issue addresses a pet for continuing settings throughout the pet’s life span. In this means the settings that had been claimed in the start are readily available in the subsequent years. Nevertheless these lifetime procedures have certain limits. Some have limits per ailment; other folks may possess situations per ailment, per twelve months; all of that have unique implications for a pet proprietor so it is often a wise notion to be mindful of those policies prior to you buy one for the pet.
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Tags: animals, house pets, insurance, pet, Pet Insurance
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Friday, November 25th, 2011
If you are asking yourself if you must get pet insurance coverage for your cat, you are not alone. A couple of years ago protection for your pet would possess been on most peoples number of items which are not needed. These days it is a a various story. rvs verzekeringen
Even now the most important selection lies in deciding whether or not to put the very difficult won income into rates or put the cash into an additional financial vehicle which could work better for you. verzekering hond
Proudly owning a Cat still has its risks. Small bandit may become into a satisfied cat and stay a long life of carrying out whatever cats enjoyed to do with few to no concerns regarding their well being. On the other hand, there is the likelihood of an unfortunate accident happening to bad Bandit. As well Bandit might contract any number of diseases, captured from who understands where, or endure from ill wellbeing due to a less in contrast to wholesome diet.
You merely do not understand which could occur. So really the query is am I monetarily created to manage anything which may come about or should insuring my cat be a greater option compared to going into consumer debt? Perk, do I care adequately about my cat to guarantee he or she is protected from anything that may occur.
With the elevated cost of newly available treatments for dogs and cats, attentive for a pet on your own may be risky without pet insurance coverage. The modest prices of regular cat treatment may be dealt with by most of us, but if a thing life threatening occurs we may not have the available funds to find the money for correct treatment. Devoid of pet insurance coverage you are faced with a tricky option to go into consumer debt or loose the pet or both.
The typical cost for insurance over the life of the cat is anywhere between $2000. to $7000. You may never match or exceed which overall amount in treatment but it can be a far more manageable volume must any large vet payments happen along.
Advancements in Vet treatment carry greater fees
It is crucial to be mindful of the therapies readily available to the pet which were only recently readily available to simply us humans. A non-treatable prognosis supposed your cat could not be helped, but these days what was untreatable is now treatable but at a cost tag of wherever between $a thousand to $5000 or higher.
With the more up to date ways and techniques vet use today an examination of your pet can show you conditions which would possess gone unnoticed and untreated before. Yet again these more advanced exams are far more costly.
As a result of these higher costs for vet treatments and procedures pet wellbeing treatment fees have additionally risen. Of the approximate 50 billion we devote on our animals, 30% goes to Veterinary care. Which is nearly 15 billion. With 85 million kittens solely 1% to 2% % of Cat proprietors have pet insurance coverage procedures.
Should Pet Insurance protect you from everything? Most pet well being care policies come with a deductible and a yearly limit to what should be purchased out for your claims. Extra there are various is adorned with such as co-pays that imply much more money out of your pocket. Additionally a lot cat insurance coverage producers exclude hereditary conditions and pre-existing problems. Procedures for more mature pets are appreciably higher and some pet insurance manufacturers will not cover any animals older than 9 years.
Some of the more common conditions for pet cats, similar to foreign body ingestion, rectal cancer and mast cellular tumors range in cost of $495. up to $1650. Proudly owning a pet is not cheap. They are costly, no question. Insurance coverage for your pet can protect you from any frighteningly huge, unexpected prices and all being well you can deal with the rest.
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Tags: animals, home, insurance, pet, Pet Insurance
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Wednesday, October 5th, 2011
A lot pet owners enjoyed their pets and enjoy having them approximately the house, playing with the children or seated by their ft viewing TV. Most can also retain their dogs and cats in excellent ailment with a weekly tub or brush, vaccinations and the suitable food. verzekering voor hond
If you get pleasure from spending time with your pet what regarding taking the involvement to another stage – how regarding getting into them in a Show? It’s in all probability not for the time bad as it would suggest considerable time spent workout routine and grooming and participate the Shows. But for those who have the passion and curiosity it might be an incredibly satisfying pass-time. So the place to start off? Your local kennel or vet is as good a arrange as any to implement the adventure. They can have facts on workout, clubs and associations which it is possible to after that contact to learn far more on the show circuit. verzekering voor katten
Just before you begin any of the workout or proper grooming work, go alongside to a display to and get a sense for which goes on. Speak to the handlers and various proprietors and get their view on how effectively things work, the downside and naturally the upside of obtaining involved. Speak to them on the time and deed they put in so you get a sensible thought of which you are acquiring into.
Glimpse into the diverse sorts of shows and consider which you would be most engrossed with executing – performance shows, obedience indicates, proper grooming shows and so on. Your specific pet will be much better suited to some actions than others so again, speak to other proprietors and occasion organisers and get their suggestions as a best options for you.
Don’t mostly they forget to ponder the financial features of this activity. Do you need to buy any uncommon computers to groom and workout the pet, to show the pet, can you need a pet cage or trailer, do you want get any specific pet protection? Can you train your pet around the house or do you do hit a exclusive facility, and if so, how far is the closest one?
Additionally take into account your own exercise. Most display to pursuits include rapid strolling or even jogging in the area events. You do be able to keep up if which’s the case. Probably the own conditioning is an extra bonus. Once you’ve completed your homework leap in and possess most fun. Contain the rest of the family. If it’s too difficult at least you gave it a try, if not, you may possess opened a doorway to a new world of fun and happiness.
Get peace of mind by acquiring you treasured pet cover. Once Looking for pet include in Australia students have many providers so ensure to glimpse nearly and discover that is the very best pet protection for your cat or dog.
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Tags: dogs, family, finance, insurance, pet, Pet Insurance
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Saturday, October 1st, 2011
Pet protection is a way it is possible to improve protect on your own from probable shock veterinarian bills you may receive if your pet turns into ill and needs a veterinarian’s care. It is a similar idea of various kinds of insurance only it could cover the pet and assist you guarantee the pet will be effectively taken care of in the case of a hazard or illness. It is possible to also relaxation simple knowing that pet insurance coverage can constantly be accepted so long as you consider the pet to a true certified veterinarian so even if the veterinarian does not accept pet insurance one can document a claim to be reimbursed. verzekering huisdieren
If you are the class of person who likes to be prepared for every little thing which will come your way and also really like the pet compared to pet protection is one of the largest means to show the pet you enjoyed them! By opting to insure the pet you will be safeguarding your pet and supporting it reside nutritious for the long term. ziektekostenverzekering hond
Once you consider the pet to the geo-targeted veterinarian also for simply a little check up, the cost of that one visit can potentially be quite expensive, but using the pet policyholder you can rest simple knowing you possess protection from big surprising bills you may get. I am certain the pet can additionally give thanks to you because these folks will get the therapy they necessity without any you getting to determine if it is seriously really worth it or dealing with the problem of not possessing the personal finances to include the fees of the health care you pet may require.
Just enjoy any other kind of insurance students have quite a few distinct kinds of coverage it is possible to buy for your pet depending on which it is easy to pay for to pay and additionally the sort of strategy that would very best go well with the pet. Most areas should include simply accidents, simply illnesses, or both. The greatest method of choosing the correct insurance for your pet is by carrying out plenty of research to determine the great coverage. The one factor pet insurance coverage will not include is if your pet has a pre-existing condition.
It differs in price tag and it’s until you to ascertain how considerably you are prepared to commit on a protection plan for your pet. A generally rule of browse is the far more you devote on insurance for the pet, the a lot more probably it is which the program should include more. Choose out a plan which it is easy to pay for and that you consider could provide the pet with the optimal insurance coverage to span its life-time.
Come across which is pet insurance coverage at the writers productive and in style internet site on insurance coverage comparison.
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Tags: dogs, finance, home, house pets, insurance, pet, Pet Insurance
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Sunday, September 25th, 2011
Everyone with a pet dog is probably to look at whether or not it is a good strategy to have dog insurance coverage cover in place. The a lot obvious issue they are almost certainly pondering about when seeking a policy is safety in opposition to large veterinary charges and charges. Pet insurance commonly offers include for quite a few far more points which this though, and one of the most vital is third party problem protection. dierenverzekering
Third social gathering burden insurance cover is all about preserving you against claims in the party that your pet is concerned in an smash or event that outcomes in causing harm to property or personal injury to yet another person. The time period ‘third party’ in this predicament merely suggests everyone other compared to you and your pet. This could not be believed of as a thing which you solely need if you have a especially naughty dog. You merely cannot inform what situation might arise the place the result is harm to property or personal injury. huisdierenverzekering
There are regrettably many instances of dogs operating into streets and triggering accidents. As well as the trauma of the own pet’s injuries or death, you may be liable for injury animated to vehicles. There may be more than one truck involved and people may have been hurt too. It is possible to quickly see how statements from a solitary this kind of incident can speedily mount up to quite significant total volume of money.
If your pet is injured there are naturally the vets fees affiliated with which therapy and treatment to be thought of too, however these should happen below a isolated area of the protection. Due to the fact incidents like this can so quickly result in very big claims and legal costs, the threshhold of include provided for dog protection problem in the UK tends to be for minimum one million pounds and is generally double that.
The much more obvious illustrations of instances once doing so breed of include can be needed are if your dog have been to chunk someone. This is a topic which relates to broader issues compared to simply the class of insurance coverage include you choose to put in place. The UK’s Dangerous Dog Act of 1991 suggests you are committing a legal offence if you let the dog to be which is delineated as ‘dangerously from control’. This applies to any public location and even to personal regions if the dog is not meant to be there.
If the dog is deemed to be out of control it is possible to be fined till £2,000 even if it does not damage anybody. Everything is mandated for you to be prosecuted is that the dog is believed to be out of control in such a way which it could harm somebody. If the dog in fact does hurt another person after that you may have a limitless wonderful or be sentenced to up to two years in prison (or both!).
Most dog insurance coverage procedures will currently involve a component of burden include, but with most it will be optional. The exact amount of include you call for can certainly differ too. It is less usual to consider out include for only the problem component, but this is feasible with a few companies. As with any breed of insurance coverage, you could pay extra attention to the total volume of any too much once wanting at the level of cover you get and the cost of premiums.
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Tags: dogs, finance, home, house pets, insurance, pet, Pet Insurance
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Saturday, September 24th, 2011
The other day at job I beheld one of God’s most curious, beautiful and intelligent creatures: the cat. It is at close up range-on the bonnet of my car, in actual fact. What transpired in the next 20 minutes convinced me that cat pet protection and cat equipment are fairly unnecessary. Kittens are a law unto themselves. These folks possess a cunning scheme of world domination, rather certainly own their masters and treat them and everyone different with exceptional contempt. zorgverzekering dieren
Even if you utilized cat resistant fencing these silky clean providers would uncover a way to get to the shops and get their hair coiffed and groomed and their fingernails carried out at a similar time-the bill, of course, no problem to them. ziektekostenverzekering huisdieren
I was briefly resting in my car in separating sales calls. It is a bright sunny winter’s day and I was at a Seniors Retirement plan facility. While nurses and those in their care had been preparing their day, most leading the sun, a black cat with inexperienced eyes jumped as a bonnet of my car and going preening itself.
And I mean-it went to town! It going licking one haunch then the other. Afterwards it looked around furtively and started sending its reduce legs a tongue massage, afterwards transferring on to its belly the place it cleaned and straightened any disheveled tufts of hair. I was captivated and it seemed the cat did not see me at all through the windscreen, also though I was no over three ft from it. Perhaps it was the glare of the severe burn that avoided this?-I questioned. The preening carried on for relatively a while. At one point the local sphinx locked eyes with me and then, of course unimpressed using the discerned degree of threat, lifted its head imperiously into the crisp winter weather air and transported on with its feline grooming.
I felt curious mixture of amusement, awe and envy at the being’s finish indifference to me and its surroundings-an indifference coupled with an aura of peacefulness within itself which exuded from each pore. Eventually after totally coiffed and preened, it jumped off my bonnet devoid of so much as a “give thanks to you” for providing it a operating system in the sunshine, and wandered casually in in a door the place they were received by among the mature denizens with a smirk and a dish of milk.
I on the other hand had to consider how I was going to acquire my weekly quota all over the world of humanity and commerce where most of my groceries and provisions did not happen so easy. Who was it, I believed, that was the one actually in charge here? The cat or I, the most up-to-date soppy human to offer it using its current lodging? Cats have been close to because the Sphinx and off and have been at one time worshiped. Possibly some dim, ancient memory furniture in our modern specimens inflicting them to aspire to their old, exalted position.
Do these folks need protection at all? Do they get sick? Properly, statistics by pet insurance companies inform us they do. Cats and kittens are predisposed to a lot of persistent conditions similar to cat asthma and that statistically cat owners with cat pet protection (or pet insurance normally) are more possible to generate a pet insurance coverage claim in contrast to a claim for their car or house.
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Tags: cats, insurance, pet
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Thursday, July 28th, 2011
The pet is the best friend, and you will do anything to assist him when he is hurt or ill. Seeking for the greatest top dog protection is not too challenging if you realize which you are seeking.
You need to guarantee you are finding the greatest policy to account for all the needs. Pet insurance coverage is not all a similar – international students have distinct situation that have to be regarded as earlier than purchasing a policy. Just enjoy individual wellbeing protection you wish to shop close to for the finest costs and most protection you can get for one low price. dierenverzekering
One factor to check into when seeking a good top dog protection policy is the age restrictions the producer may possibly possess for your animal. Many producers do not draft procedures for dogs 9 years old or more mature. Mature dog policies may be provided by most manufacturers, but they are a lot more overpriced using less coverage. Insurance costs go up as the pet gets older merely like it accomplishes for human wellness insurance.
Elderly k9s generally have much more serious health complications which can jack up the price of the premium. As a other hand, a lot of manufacturers do not supply insurance unless the puppy is at least 8 weeks old. huisdierenverzekering
An additional limiting factor is the state you reside in. Most top dog insurance procedures are applicable solely in sure jurisdictions. You will have restricted choices if you reside in a distant say like Alaska. Additionally most venues such as Massachusetts impose a lot of laws on insurance manufacturers, and which may also threshhold the options. Some insurance deals have limitations being founded on the breed of your dog.
Therapeutic bred dogs ordinarily possess a higher calculated risk for a particular illness or genetic condition. For instance, German Shepherd Canines are known to create hip dysplasia as they age which can price a lot to treat. In addition, breeds which are deemed to be risky may not evaluate for insurance.
All top dog protection companies try to reduce their dangers in order to dwell profitable. These folks do supply a fair total amount of wellbeing coverage, but these folks try to exclude a lot more high-priced illnesses similar to most cancers treatments. Every single pet is different and the dog may possess different concerns in contrast to a different dog. Make sure to examine the high-quality print so you will understand exactly what protection you are acquiring.
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Tags: cat, dog, insurance, pet
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Friday, September 17th, 2010
Today, Banfield is the largest general veterinary practice in the whole world. They have more than seven hundred hospitals all across the United States of America as well as in Mexico and even the United Kingdom. Banfield hospitals employ close to two thousand qualified veterinarians who feel passionately that our pets deserve and receive the same quality of medical care that we as human beings expect to receive. As a result, all Banfield hospitals offer state of the art medical services, preventative care plans, extended operating hours, and Banfield is the only veterinary practice in the world that has an extensive quality assurance program as well.
Warren J. Wegert, a veterinary doctor of medicine, founded the Banfield Pet Hospital in October of 1955. Banfield grew to 300 hospitals by the year 2001. Then by the year 2004 within only 3 years, Banfield had enrolled over 1,000,000 pets in their Optimal Wellness Plan. By their 50th anniversary of doing business Banfield had opened over 500 hospitals, this was in 2005.
After five decades in practice, Banfield has gained a wealth of experience and this has enabled them to design and pet healthcare plan. It is intended to cover all routine care that is necessary to the health and well-being of your cat or dog.
This comprehensive type health care pet plan is the Banfield Wellness Plan and can actually prolong your pet’s happy life up to 25% longer. This plan can also be transferred between the various Banfield locations when you need to with no problem. Also this plan makes pet care much more affordable by saving you about 50 percent on standard type care. This is because through these plans you get office visits at no cost for life, on top of their other discounts they offer on their other services. This wellness plan also offers a valuable warranty on vaccination of up to $1000.
Just like us humans, our pets can face many different health issues over the course of their lives. With Banfield’s Optimum Wellness Plans come the services that are so necessary to keep pets not only healthy, but also to eliminate potential issues before they even arise.
The Banfield Wellness plans currently cover puppies, kittens and adult dogs and cats. It is a highly cost effective way to provide your pet with the quality care it deserves, such as and including vaccinations, physical exams, and free, unlimited office calls.
It is not surprising how large Banfield has grown over the years when one considers all that they provide along with outstanding service both to our pets and the human beings with which they share their lives. Just like us, our pets deserve to enjoy a full life that ensures he, or she, will live a long and healthy one. They deserve the same dedicated and quality medical care that we do and Banfield clearly holds to this same notion.
And just like we do, our pets can benefit from an insurance plan and the Banfield Wellness Plan goes a long way in promoting the ongoing good health of our pets. After all, our pets are a part of our families and, as such, deserve the best medical care so that they remain part of the family for as long as is possible.
Have you had problems with Banfield as well? Be sure to read the comments in the two following articles: Banfield Pet Insurance Review and Banfield Pet Hospital Smackdown. Both are filled with comment from other customers of theirs.
Tags: advice, cat, dog, health, insurance, parrot, pet, wellness
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