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Thursday, December 1, 2022

What You Need to Know About Dog Insurance

Image Courtesy of Pexels

Getting dog insurance for your beloved best friend can help you out of a very sticky and expensive situation. But aside from the costs, you can rest easy knowing you will have less of a burden at one of the worst times if your dog is hurt. Here are some things you need to know.

You Get Cover for Doggy Damage

Depending on your policy, you might be able to get third-party cover. This means you can claim for the recovery of any costs you have paid out if your dog damages something. Often, but not always, this also covers any costs incurred from a dog bite your pet might have done to somebody. However, this is often very dependent on the situation. So it's best to not expect a payout for this automatically. The claim you make for this goes towards the costs you might incur. These include medical expenses, legal costs, and damages made by a claimant.

An Epulis is Often Classed as Dental

An epulis is a non-cancerous tumor that can pop up all of a sudden. Some breeds, like Boxers, are more susceptible to these. As such, many insurers won't cover them as standard, if at all. This is because some of them class an epulis as preventable dental treatment. Although your dog can get one through no fault of yours or their own. So if you notice an epulis on your dog, be prepared to make a payment, which can be expensive. And once the work is complete, just be aware that you might not be able to recover the money you pay to a vet for this treatment.

Dog Insurance Isn't Expensive

Given the cost of living at the moment, you might put off getting insurance. However, this is a mistake that can cost you big. And it isn't as expensive as you think. For example, the average cost of insuring a dog in the UK is around £30 per month and $37.00 in USD. Yet it's likely you will pay much less than this. Yet even at the most expensive range, the cost of insurance more than offsets the costs you will incur if your dog needs expensive surgery, injures someone, or becomes very ill. For example, dental surgery alone can run into the thousands at a typical vet practice.

The Breed and Age Can Affect the Price

While you probably won't pay too much for your coverage, the cost of dog insurance can vary quite a bit. This is mostly because the health needs of different dog breeds are very different. Some breeds are more susceptible to certain illnesses than others. And this can increase costs. However, these are usually very specific, and your dog's cover will probably be lower than you think if it is in good health. However, you should also be aware that the age of your dog can also affect the cost. And many insurers have a maximum age range that they will allow on a policy.

You Can Claim When Your Dog Dies

Not all, but some insurers will allow you to claim for the sudden death of your dog. However, this is very dependent on the circumstances. For example, you probably won't be able to claim if your dog has been unwell, is old, or is predisposed to a specific illness. In a nutshell, the death of your dog has to be largely unexpected. Such as being run over by a vehicle, attacked by another dog, or even purposefully killed by someone. And to make a claim for reimbursement, you will have to provide evidence of the cost of your dog at the time you purchased them.

You Can Recover Costs when Your Dog Goes Missing

Hopefully, your dog never gets hurt or goes missing. But there is some help available if they do wander off or are stolen. When your dog goes missing, you will probably launch a campaign to find them. This often includes making posters and such. Your insurance holder might offer some respite in recovery of costs incurred when trying to ding your dog. Also the cost of a reward might also be included. So always check with your insurer. Although, the cost of the reward will probably be limited to a maximum. So, don't offer more than you can afford or get cover for.

Exclusions to Your Dog Insurance Policy

Having insurance for your dog is the right thing to do when it all comes down to it. However, you need to be aware that it isn't a free pass for every eventuality. And there are many exclusions to most policies. Typically, these include, but are not limited to, the following scenarios:

  • The waiting period from when your cover starts.

  • Any pre-existing medical conditions.

  • Costs of your dog giving birth to puppies.

  • Payouts if your dog is stolen.

  • Medical issues that occur on both sides of the body.

  • Preventable illnesses that are your responsibility.

  • Specific conditions your breed is predisposed to.

  • Dogs that have gone past a certain age.

  • Non-urgent or unnecessary procedures like nail clipping.

  • Other animal services such as kennel boarding.

These are some of the most common things that are not covered by your dog insurance. However, there are instances, such as higher rate cover, where you might be covered for something on this list. So make sure you understand your policy as provided by your insurer.

You Can Get Travel Cover

Traveling with your dog can be a great adventure. And the dogs love to get out and about. And the good news is that most pet insurance plans will cover your pet if it gets sick, is hurt, or needs veterinary care while you are traveling. However, you can also claim for money lost after paying for a holiday. Many insurers will also pay for lost travel and lodging costs if you have to cancel a trip because your pet gets sick and could die right before you leave. So it's always worth checking with your insurer if they will cover these costs before booking a holiday.

Not All Insurers Include Dental

Expensive treatments like an epulis aren't usually covered on your insurance policy. However, most pet insurance plans cover some dental care for your pet. In most cases, a few policies will only pay for dental care that is needed because of an accident, not because of illness. And those who do usually only cover your pet if it gets a once-a-year dental checkup. But it might be worth inquiring about dental cover. This is because some insurance providers will offer dental packages with an additional fee or as part of a more extensive dog insurance policy.

Each Insurer has a Variable Cover Range

Your dog insurance can be expensive or relatively cheap. This is because almost all dog insurance companies offer different packages that might suit you. For example, you could choose a policy that covers basic vet treatments. In this case, you probably won't need to pay too much. Or you could opt for a package that covers your dog for thousands worth of complex treatments and surgeries. Therefore, cover is largely variable across most insurers. And often you can always find one that offers the right cover at a reasonable price at the time.

Dog Insurance Can Cover Homeopathic Treatment

Sometimes extra treatments are needed for your dog's recovery. And just like people, this can extend to non-traditional treatments. If your vet recommends them, alternative treatments like homeopathy, acupuncture, and physiotherapy can be covered by your pet insurance. However, these are usually considered as a last resort or as part of a comprehensive treatment plan proven to yield positive results. You should be aware that if you decide to find these treatments for your dog by your own choice, you will not be able to make a claim from your provider.

Annual Injections Usually Aren't Covered

Of course, as a dog owner, you know the importance of your dog's annual vaccination injections. These protect against deadly illnesses like parvovirus. Therefore, they are absolutely essential. However, almost all policies don't provide cover for these since they are considered your responsibility. Fortunately, they don't cost too much. Also individual vet practices might also offer these as a complementary treatment if you also pay for a medical plan. Some vets offer medical plans as part of their business model, like private healthcare for your dog.

You Can Save a Lot of Money

Finally, if there's one thing you need to know about dog insurance, it's that it can and will save you a lot of money in the long run. With vet bills skyrocketing, like everything else, having insurance cover for your dog just makes financial sense. Otherwise, you could be left out of pocket or even have to use up savings and emergency money to pay for treatment. Of course, it's another monthly expense. But the savings you make are considerable when the time comes. So, in a nutshell, it's better to have it and not need it than to need it and not have it.


There are numerous aspects, clauses, and policies to dog insurance. While every insurer offers different things, there are some commonalities. On the face of it, most insurers cover third-party issues, have the same exclusions, and help you save a considerable amount of money.

Wednesday, November 16, 2022

New Audible Book Coming Soon-Start Mantrailing Train a Dog to Find People

 Here's the News!

New Audible Book Release

December 2022  

A Great Gift in time for Christmas 2022 !

This book is training dogs around the world to find people and now everyone will be able to listen to the step by step lessons on a phone while in the field working the dog with the Audible book.

 If you have ever thought wanted to find a fun outdoor activity to do with your dogs or get involved in finding missing persons with a dog this book is for you! Already training and working scent dogs or Search dogs? This book will help you get started or possibly learn a few skills to hone your dog's skills.

This book is tailored to all breeds of dogs, all ages and sizes of pups can learn to find people. Amaze your friends and family with how fast and easy your dog can find them! You and your dog will be finding a hidden person the very first day when you follow the easy step by step instructions and pictures. 

You can learn about K9SAR and what it takes to be a Search and Rescue dog team that is called out to find lost and missing persons or you can just have a fun sport to do with your dogs.

The book Cover dog Amber with her handler are a members of RRI No. Scotland
The book features pictures of American and UK mantrailing teams 

Below is USA Mantrailing Team Bella working a hot trail after a person

Have a listen to the sample preview of the Family Disaster Dog book at audible for no cost to hear how the book will sound on your device at this link to the Family Disaster Dogs audio book

 Here's my author page where you can hear all my books  


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click to See and buy the paperback and e-books directly from me at the book shop page

Have a Great Dog Day!

Friday, October 21, 2022

The Fundamentals of Keeping Your Dog in Good Health

 Giving your dog the happy and healthy life they deserve is your number one job as a pet owner, there’s no doubt about that. But wanting to do that and actually making it happen are two different things. We’re going to talk today about how to get the basics of looking after your dog right and how to maintain their good health. So if that’s something you want to get better at, read on now.

Choose a Vet You Trust and Attend Regular Checkups

First of all, you should take the time to search for a vet whose services you can trust. When you’ve done that, you can make sure that you’re able to put their health in safe hands when it comes to checking for problems and finding the right treatments when they’re not feeling well. You’ll also need to take them to regular checkups so any issues can be spotted early.

Be There to Give Love and Attention

It’s important that you’re there to give your dog love and attention because that’s what they crave more than anything else from their owners. If you’re not there to spend enough time with them, they might become depressed or start to experience separation anxiety. That’s why people should only get dogs if they have enough time to be around them.

Find the Products That Help You

Finding the products that are going to help you keep your dog happy and healthy is something else you’ll need to think about. There’s no shortage of great pet supplies out there, covering everything from healthy dog food to treats, toys and everything else in between. You’ll also need to find a comfortable and supportive bed that they can relax in.

Image Source - CC0 License

Provide Them with the Levels of Daily Exercise They Need

Making sure that they get the amount of daily exercise they need is obviously something that’s very important as well. If they’re not getting that exercise, they can take out their energy in other ways. For example, some dogs might develop behavioral problems or become destructive in the home, and that’s probably not what you want to happen. So make sure that you give them the exercise they need according to their size, breed and age.

Balance Treats with a Healthy Weight

Finally, you should make sure that you’re keeping an eye on the weight of your dog. If they’re gaining too much weight it could be because you’re feeding them too much, giving them too much human food from the dinner table to giving them treats. Although you’ll want to offer them treats now and then, that has to be balanced with maintaining a healthy weight.

As you can see, there are plenty of things you need to get right and focus on if you’re going to give your dog the happy and healthy life they need. It’s really important that you get the basics and fundamentals right before you start thinking about anything else. So work on each of the categories we’ve talked about above.

Wednesday, October 12, 2022

Here's a couple Interesting K9SAR and Mantraining News and Research Articles

 Hi everyone, 

I hope this post finds everyone doing great! 

Lately I have been reading and researching online more than usual. I came across some interesting articles about search dogs, mantrailing, working K9SAR dogs, and sport K9SAR I thought viewers might like too. 

I always have an open mind when it comes to other people's research and dog training methods. The situation and environment plays such a large role in search and rescue with ever changing variables its not a subject that can be put in one box.  

I'm showing the links in full so people can see they are real.

Thanks for stopping by.

The Truth Behind The FBI's Magic Bloodhounds

Humans and bloodhounds — descended from 7th century French St. Hubert hounds — have a history of working together both for hunting and tracking.

Read the whole article at :

Copyright/citation is on Apple News

Obedience training effects on search dog performance

Competent search dogs should be accurate, reliable, and work independently, yet be responsive to handler commands. The aim of this study was to identify training factors that contribute to producing competent search dogs. Demographics, obedience training methods, the age training was initiated, previous canine training experience of the trainer, and time spent training were determined using 177 responses to an online survey accessible through the National Search Dog Alliance (NSDA). 

Continue reading  HERE at Applied Animal Behaviour  Science

Citation (copyright)

Alexander, Michael & Friend, Ted & Haug, Lore. (2011). Obedience training effects on search dog performance. Applied Animal Behaviour Science - APPL ANIM BEHAV SCI. 132. 152-159. 10.1016/j.applanim.2011.04.008. 

source-online search of free images

UK Visitors

Welcome UK visitors to Family Disaster Dogs online! Although I'm an American author and dog professional the worldwide web has given me the opportunity to connect with some wonderful folks who have contributed pictures for my books. The "Start Mantrailing" book features RRI North Scotland Search Dog "Amber" on the cover and her teammates in the book, plus American dogs I know. The children's picture book "My Puppy Can Find Me" has my daughter and bloodhound as illustrations by UK cartoonist Scotty King. You can find the books on Amazon UK or visit my book page above to order from me.

Author Amber Higgins

Author Amber Higgins
Click Pic to Visit my author page

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