Cheap Pet Insurance

Cheap Pet Insurance
Cheap Pet Insurance

Is Pet Insurance Worth it?

Should we find Cheap Pet Insurance for our pets is it worth the money? Like any other type of insurance, we should hope that the cost of the premiums we pay over the life of our pets outweighs the potential use of those bills. I’ve had several cats over the last 25 years, and one Yellow Labrador dog that lived a pretty good life of 15 years. All of my cats, except for one that was struck down by a car, lived very long lives. I’ve never had pet insurance of any type. Perhaps, I was lucky, but I’ve never been in a situation where I felt I really needed it. I guess the questions should be, “what does pet insurance cover and if there ever was a catastrophic medical event suffered by my cat or dog, would my insurer cover it?”

I looked at a few of the pet insurance policies. My conclusion was that like any other type of insurance, there is no such thing as a cheap pet insurance policy. You will not find one that is going to save you money on the normal maintenance over the entire lifetime of your pet. If that were true, pet insurance companies could not possibly hope to stay in business by offering cheap pet insurance. They are banking on your pet’s health and premiums outliving the risk of some type of catastrophic health expense. You cannot possibly hope to pay for an insurance policy over the life of a healthy pet that will save you money long-term. The math simply does not add – up. On the other hand, our beloved pets can sometimes be stricken with emergencies that require extremely expensive medical bills. Do we want to take the chance on having to make a very painful decision on the life or death of a young pet whose medical bills we cannot afford? This is why we should consider some form of pet insurance, but only if this type of insurance will cover those types of costly risks. For this reason, you have to wonder if there is really any such thing as cheap insurance. Some quick research has revealed what your typical pet insurance plan covers:

Where to Find Pet Insurance?

Typical Pet Insurance Plan

  • Pets Best Insurance
    Covers Illnesses accidents and injuries. X-Rays, MRIs and Cat Scans. Surgeries. Cancer Treatments. Prescription Medications. After Hour Emergency Visits. Specialists. Acupuncture. Chiropractic Therapy and Hosptilization. Costs start at $22.00 per month and cover 80%, after deductible ranging from $100 to $500. After Deductible is met, the really expensive things are 80% covered: Vet and Emergency Visits, Lab and Diagnostics, Surgery, Prescriptions, Treatments, Hospitalization and outpatient care. The lifetime limit ranges from $42,500 to $100,000, depending on your deductible. Ouch, can you imagine ever having costs that exceed $42,500 for just one pet? I would guess none of us have ever come close to that (knock on wood) Aside from deductible coverage, routine care is provided: $50 for annual exams, $100 for spaying/neutering, teeth cleaning; $60 for blood tests, $25 for heartworm tests, $15.00 for stool testing, $25.00 for urinalysis. This is a plan that really could provide you some peace of mind. If a $5,000 surgery is needed, your portion of the cost would be $1,000 plus your deductible. At $22.00 per pet, though, You’re going to pay a minimum of $22.00 per month or $264.00 per year to get this coverage (and that doesn’t include your deductible) to get 80% coverage. I’ve been lucky with my pets, but I can’t see this type of medical insurance being worth the cost for me, personally.
    Trupaninon Petco Pet Insurance

  • This one truly looks like nothing more than a disaster insurance plan. I got a price quote for my 8 year old male cat online. The monthly premiums are $22.00 and the deductible is $500. What is covered: In case of sickness or injury? Surgeries, diagnostics, Lab work medications. What is not covered? routine care, exam fees and pre-existing conditions. Coverage is 90%. In other words: In summary, unless your cat or dog  has an unusual or emergency illness, you’re going to pay at least $264 per year to prepare your pet for an emergency surgery or medical condition. In addition that, you will still pay for the cost of routine care, such as regular vaccinations and check-ups.  Let’s say your pet requires an emergency surgery that costs $1,200. You’re still going to have to pay the $500 deductible, plus 10% of the surgery: $620.00. Add the cost of the $264.00 in premiums for just one year, and you’re already up to 74% of the surgery. Unless, you are the type who is obsessed over things you have no control over, I’d look for a cheaper plan.
    Pet Assure

  • Pet Assure is basically a discount membership card for pets. The discount is normally 25% for medical and up to 50% off of other things such as pet supplies and pharmaceuticals. The cost is $59.00 per year for cats and $99.00 per year for dogs. What is covered? Routine care, exams, surgeries, speying, shots, neutering, hospitalization. There are some exclusions on things you take home such as medications, boarding and lab work done outside of the vet’s care. While this is basically a cheaper form of pet insurance, Pet Assure considers their program a more cost effective alternative. Using some quick math based on the 25% savings, I estimated that I would have to spend about $472 a year per cat in medical bills to save the $59.00 per year spent on the Pet Assure membership. In a normal year, shots and occasional exams needed for my cats usually only cost me $180-$220.00.  It’s hard to say if the savings on pet supplies, medicines and other products would make this membership worthwhile. At 25%, it certainly doesn’t take the place of catastrophic pet insurance if that’s what you want.

Saving Money on Pet Insurance

It’s difficult to assess how much money you can or will save on an insurance plan you hope to never use. The value of true pet insurance is peace of mind. Don’t expect to come out ahead dollars-and-cents-wise on a Petco Trupanion plan if your pet never encounters an emergency need. Cheaper insurance plans don’t give you that same peace of mind, but if you’re thrifty, like to shop for savings, and your cat or dog seems to need frequent trips to the vet for routine care and procedures, you might look for one of the discount card plans like Pet Assure. The bottom line, though, is that there is no such thing as cheap pet insurance.

Ssscat Cat Repellent

Does Ssscat Cat Repellent Spray Really Work?

Ssscat Cat Repellent Spray is designed to keep your cats off or away from places you don’t want them – like your plants, kitchen cabinets and other off-limit areas, for instance.  If you wish there was a way to keep your cat out of the kitchen; away from the garden, off the counter-tops or off of your furniture, you owe it to yourself to look into a Cat Repellent spray for your cat training purposes. There is another good reason for cat repellent spray: Has your cat decided to use a portion of your house as his/her litter box? There is nothing that smells worse or is more difficult to get rid of than cat urine on your carpet. Well, okay, I’d say skunk odor has a significant edge over cat urine, but that’s a different topic for another day. In fact, if you have pets it is worth discussing Skunk Repellent and I’ll explain why in an upcoming article. Meanwhile, let’s get to the issue at house: How to keep Cats away from and off of certain areas and places in and around your house. What products out there succeed as a useful, affordable and practical Cat Repellent Spray?

Several weeks ago, we brought our 8-year old male cat back from the vet. Our young, female cat immediately sensed that he smelled different and became terrified of him. Weeks later, we began noticing the odor of cat urine. One day my wife called me while I was at work to report a cat owner’s worst nightmare: Our nervous female cat was using our dining room floor as a cat box. The tedious task of solving this maddening Cat Urine problem had just begun. From our past experience, breaking a cat of this habit is not an easy thing to do. The first thing to do is to completely remove the odor. As long as an infected area of your house continues to smell like cat urine, your pet will continue to use it. We had to take action. First, we got the carpets as clean as we possibly could, then we began saturating the area with enzymes to remove the odor. We used a product called, Anti Icky Poo. There are plenty of other similar products out there such as Nature’s Miracle and Urine Destroyer, but the Anti Icky Poo seemed to have the best reviews. I was confident we could get the area cleaned and odor free, but I knew the hard part would be to deter the cat from coming back to it. This is where the Cat Deterrent and Cat Repeller part of the job come in to play. I began searching the web for the phrases, “cat repellent”, “cat deterrent” or “cat repeller”. My research led me to a couple of ideas that I could utilize immediately without spending a dime. Most of these cat repellent sprays can be purchased at pet supplies stores locally or online with small shipping costs.

    Additional Cat Boxes

  • Cat Motion Sensor Alarm

Additional Cat Boxes

When a cat stops using a cat box in favor of your carpeted floor, you have to wonder why their original bathrooms are no longer comfortable or desirable? One of our cat boxes was located in the laundry room; and the other in the basement near the furnace. Both of these areas are noisy when those appliances are used and could definitely deter cats that scare easily. Drastic problems call for drastic measures. I now have 4 cat boxes in the house and keep them pristine clean.

Rex the Barking Dog

Dog and Cat Repellent
Rex Barking Dog Alarm

Rex, the Barking Dog is designed as a burglar deterrent, not a cat deterrent.  It is simply a motion-sensor alarm that triggers the sound of a loud, mean barking dog when you get within the range of the adjustable motion sensor. See, Product Review Ratings Review on Rex, here: What is the best Watch Dog? Rex worked great for training my oldest cat to stay out of the living room. The biggest benefit of Rex that I didn’t even consider was that the sound of the dog alerts us! Whenever the cat approaches, we hear Rex bark and we calmly pick up the cat and very gently place her in the cat box. I cannot stress enough. Do not yell, get angry or hostile with your cat. This not only doesn’t work, but will actually make the problem worst. You want to be as calm, gentle and patient as possible when breaking a Cat Urine problem. While, Rex was good for alerting us, it didn’t seem to do much good for deterring the cat. In fact, cat seemed to enjoy making a game of walking into the room and causing the dog to bark. Some online research directed me to a better cat deterrent in a couple of different makes, models and form factors:

  • Sscat aerosol Cat Repeller
  • Ultrasonic Cat Deterrent

How Ssscat Cat Repellent Spray Works

SSSCat Cat Repellent
Ssscat

I chose Ssscat. Ssscat Cat Repellent is simple enough. It is an ozone friendly aerosol can of compressed air that attaches to a motion sensor powered by aaa batteries. When the cat gets too close to Ssscat, it emits a shrill, fast spray of air to scare the cat away. Over 168 Amazon users reported that Ssscat did a satisfactory job as a Cat Repellent and training method for deterring cats to stay out of, around, or off unwanted areas or surfaces. At one time, the Ssscat product included an Ultrasonic Cat Deterrent alarm as well as the compressed air. I think the makers of Ssscat wised up after they realized the Ultrasonic Alarm, alone, was enough to deter cats and there would be no reason for people to re purchase the aerosol cans which cost about $10 a piece. Fortunately, the $35.00 Ssscat product with the compressed air was enough to scare my cat permanently way. I was not happy with the range of Ssscat at first. It seemed that a cat or a human would have to step right in front of it in order to activate it. Fortunately, it only took one or two times for Ssscat to instill fear in my own cat. Out of curiosity, the cat followed me as I walked right up to Ssscat trying to get it to work. Suddenly,the whiff of air sprayed me in the shin; scared the dickens out of me and the cat was gone in an instant! The next the air can went off was the last time I have ever seen the cat in that area. I remain amazed that a simple can of air makes the best cat repellent. It really works. My problem is solved, though I still keep Rex the Barking Dog armed and ready in case my cat ever forgets about Ssscat Cat Repellent Spray. The one option I haven’t tried, but am curious about is the Ultrasonic Cat Deterrent product. If you’re curious read on.

Ultrasonic Cat Deterrent

Cats can hear noises at a much higher pitch than humans. An ultrasonic cat deterrent is a device which emits an alarming, high pitch sound that will startle the cat without annoying humans. The key is an ultrasonic alarm which is set off by a motion detector. I had often wondered if there was a such thing as a motion sensitive Ultrasonic Cat Deterrent and as luck would have it, there are a few of these devices made. There are various models of Ultrasonic Cat Deterrents. Some are made for the outdoors and some made for the indoors.

Ultrasonic Cat Deterrent for Sale

 

CatScram

 

catscram-cat-deterrent

CatScram is a motion repellent using the same ultrasonic cat frequencies as the Ultrasonic Cat Deterrent above, but this one is small, portable and made for the indoors.CatScram is billed by it’s manufacturer as an Ultrasonic Training Device.

How to completely rid your home of Cat Urine Problems

The key is to tackle the problem in three ways: Clean-Up, Training and Prevention. Get the soiled areas clean and odor free. Meanwhile, re-train your cats to use the cat boxes. That means making cat boxes feel safe, convenient and easy to use for your cats, too. Next, get two types of alarms to protect the areas. Get an alarm that you can hear, and one that your cat can not only hear but wants to avoid. Products like Ssscat, Catscram and other Ultrasonic Cat Deterrents are excellent for the Training and Prevention part of Cat Urine catastrophes in and around your home. As for the title, “Is Ssscat a good Cat Repellent?” Yes, but you will be required to buy refills. Hopefully, the Ssscat Cat Repellent Spray will work well enough that your cat won’t have to be reminded too often.

Worlds Best Cat Litter

worlds best cat litterIs the Worlds Best Cat Litter the  world’s best, both literally, and figuratively? I decided to put their presumptuous brand name to the task. I’ve owned cats all my life. Cat litter formulas have improved over the years and thus my expectations have increased.  There used to be a time when cat litters consisted only of sand and/or dirt. Nowadays, I think all cat owners pretty much agree on the defining criteria of a what makes a good or great cat litter:

  • How well does the cat litter stop order
  • How well does the cat litter clump up
  • How easy is the cat litter scooped
  • How long does the cat litter last
  • How safe is it safe for people to breathe
  • How safe is it for the environment? Can it be flushed?

Worlds Best Cat Litter claims it does all 6 of these things better than any other cat litter product. So, is it really this good?

Worlds Best Cat Litter Website

If their website is any indication of how the product compares to the competition, Worlds Best Cat Litter wins hands-down. WorldsBestCatFood.com is chalk full of informative videos, learn-mores and persuasive arguments as to why this particular cat litter excels at the 6 criteria above better than any of the competitor’s cat litter products. Worlds Best Cat Litter not only tells you they are the best but explains, why:

Ingredients

Worlds Best Cat Litter is made from … Whole Corn. Are you freaking kidding me?! Corn? No kidding, and the company says this is the secret ingredient that makes their cat litter so tasty.  Kidding aside, if you clean enough messy cat boxes full of this tasty vegetable, you’ll probably never eat another cob of corn in your entire life. While that might be a  drawback,  apparently the whole corn stops odors in its track, clumps together and cleans up and scoops better than all the others. If that’s not enough, the 100% natural corn ingredient is environmentally safe. Worlds Best Cat Litter is biodegradable, easily flushed and safe to breath. It all sounds good, but what is the impression of owners of Cats that have used Worlds Best Cat Litter?

User Ratings

Perception is reality. What looks, smells, tastes or works good in theory doesn’t always translate to the real world. I researched and skimmed over 200 users from Amazon, Petco, Petsmart and Pets Direct to get a bottom line analysis. Do the hyped up claims and brand name match the results? Probably not. Out of 200 users, Worlds Best gets an average rating of 4 out of 5 stars. While that’s a respectable B grade, it certainly doesn’t come close to a brand that claims to be the very best. What’s most troublesome is what cat owners are saying about the litter. The number one complaint is odor. A great number of users reported that it does a terrible job of eliminating odor and in fact smells like sour, rancid corn. Yuck. One of the other common complaints is that the litter seems to get tracked throughout the house. On the other hand, users say that it really is a very good Clumping Litter and is completely flush-able.
A couple of complains some people have that this brand has changed it’s formula and is no longer of the same quality since the color of bag was changed from light to dark. It’s hard to know for sure, but its something to keep in mind.
Based on User experience, Worlds Best is a B-Rated Cat Litter that fails to live up to its hype.

Final Results

Is it Really the Best?

  • Best Clumping Litter: 84
  • Best Odor Control Cat Litter: 70
  • Best Scoopable Kitty Litter: 84
  • Best Flushable Kittly Litter: 95
  • Best Environmentally Safe Cat Litter: 95
  • Best Lasting Kitty Litter: 80
  • Overall Rating: 84