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RussellTheShihTzu 03-23-2019 10:42 PM

Thank You For the Support
 
Does anyone have experience with such or know someone who has? Need suggestions.

Russell has been diagnosed with thoracic cancer and the treatment cost has made me aware of the necessity of insurance for Edward, 5, and Fiona, 9 months.

Thanks!

Note: This started off about pet insurance and Russell. But I decided we could use a thread offering support to other owners who are facing hard decisions for their Furkids as well as pet insurance information. Please feel free to join in the conversation if you want to talk about what's going on.

Old Dog 59 03-24-2019 02:50 AM

I don't remember the name of the company but My father and I have had insurance for the horses for years. I know there are companies out there that do insure the dogs.

When my wife and I moved to Oil City 4 years ago the new home owners insurance not only covered the cats but also covered the Fish tanks. ( they didn't cover the fish.) I found that out last week when I lost the 75 gal.

bluesamphire 03-24-2019 05:34 AM

Oh, I am terribly sorry to hear this. Poor Russell. Poor you.
As the owner of 2 Shih Tzus, I would be floored by this if one of mine had that diagnosis.
So sorry.

Re the insurance... here in the UK pet insurance is much more common that over in the States, so I understand.
Pups often come with 3 months insurance cover when they come from the breeder, and then the expectation is that owners continue, or shop around. I have insured several cats and even pet rats when they lived with me.

My experience with the cat insurance was that every time I wanted to claim, there was a significant excess, or the item wasn't covered. I think I got a total of 200 out the insurance co. in that whole 12 years. When I started the policy I was paying 8 a month in year 1. By year 12 I was paying 360 a year. Definitely not value for money!!!

Now we have the dogs, I have taken a different tack. Instead of paying into an insurance company's coffers, each month for the entire life of each dog, I have taken out a Standing Order that automatically pays 55 a month into a savings account where it will grow and accrue interest for the whole of their lives. I intend to increase the monthly payment in line with inflation. So far, all vets bills have come out of my pocket, not the savings account, so the amount is growing nicely.

Having said that, there is an area of risk that is not covered - that of the dogs causing damage to other people and property (such as them running out into the road, causing a car accident, and me being sued for large amounts). Most insurance policies include this in their cover, and of course, I don't have that.

Old Dog 59 03-24-2019 07:12 AM

In doing a search on line I have found, Nationwide insurance for pets, The ASPCA also has accident insurance for pets, Pets Best insurance. I don't know what their coverage's are like or what the premiums are, because you have to give zip code and pets name. But there are some places to start.
I also spoke with my sister and asked if she remembered the insurance company for the horses. She thinks it was Nationwide.

OrchidxBetta 03-24-2019 01:01 PM

I'm so sorry to hear. It is devastating when a beloved pet or any loved one is diagnosed. Have you searched Trupanion?

I had a personalized Embrace Pet Insurance wellness, accident and illness for three years. By no means am I an expert on insurance policies. I feel there are so many limitations with pet insurance. So I decided to go with a care credit card instead. Although I am anti-credit cards, I felt like it wasn't cost-efficient giving $80 a month to Embrace even with a reasonable deductible. Basically, I had to pay out of pocket up front at the vet, and then the pet insurance would reimburse a certain percentage later on. Aside from that, my dog developed an otohematoma soon after we moved to Arizona. Needless to say, I paid for the $500 procedure out of pocket and her cone of shame. Since she had pre-existing allergies, that wasn't reimbursable. At least her pain meds were partially reimbursable.

Here's a list I found off the web:
Figo
Healthy Paws
Trupanion

You may consider your local pet hospitals or clinic to see what they offer.

Ratvan 03-25-2019 08:23 AM

I am in the UK so not sure how similar this will be, but I was unable to insure one of my two dogs and one of my two cats as they had a known pre-existing condition.
I was able to insure them but not against the known issue

blubird101 03-25-2019 09:28 AM

Yeah, I looked into pet insurance for my two cats and dog (mainly one cat, who is almost 14 now, so I worried about future health problems) and from all the reviews I read it seemed to be that its more there for catastrophic coverage. Most regular checkups and a lot of common health problems weren't covered, or there were large deductibles before things were covered, all in all not really a good investment.

I've also heard that carecredit is a better option overall.

Old Dog 59 03-25-2019 11:20 AM

How are you holding up? I know you said the last time we talked Russell had finished his first round of Chemotherapy, and was starting his second this week. I really do hope, and pray for a good outcome. I know you must be going bonkers.

After looking into different pet insurances, unless you customize the coverage they really are like human insurance. An enormous price for very little coverage. I went through the files on the horses, and even though Dad paid good money for the policy, it really didn't cover much in the way of regular care.

When our Palomino Quarter horse chipped a Pastern Bone in her hoof The x-rays and vet call were covered, but not the medicine and wraps needed for her. That was all out of pocket. I looked at her health file Dad had and found the x-rays and vet call was over $4000.00 for the first visit and each vet visit after that was $300.00. The medicine and wraps (or special rubber shoe) was $3878.00 out of pocket and that was all at one time.

We found that she kicked the step out on her stall which caused the chip. We then took all step outs from the stall doors in each stall. Thank heaven Dad had me do this. I say what a contractor would have charged to take the 6 foot long by 4 inch high steps out of 26 stalls. At the time I thought he was doing this to me just to be nasty. (Boy was I wrong.)

We find ourselves wanting to give our charges, who we come to love as our own children, better care than what we give ourselves. Russell, Edward, and Flora have such great parents. Linda, my heart breaks every time I think of what Russell is going through. He doesn't understand what is happening except he knows he is not feeling well. But with his mothers, and Dad's love he knows he is safe and they care.

From Ginger and I, We send our prayers and love to you and your family. If there is anything, anything we can do please ask.

David

Worldsworstusername 03-27-2019 05:18 PM

I am so sorry you are going through this. I know how you're feeling, My boxer Joey was diagnosed with lymphoma right after Christmas, and my lab Katie was diagnosed with osteosarcoma about 3 weeks ago. Joey is on palliative treatment, and Katie's mass is on her sternum and is inoperable. Cancer sucks.




As far as pet insurance is concerned, I have a little experience dealing with some of the above mentioned companies. I have been a vet tech for 31 years.


Almost all of the pet insurance companies work on a reimbursement basis. You pay the vet, and they will reimburse whatever is allowable. That said, if your pet has had ANY kind of health problem in the past, it will be considered a preexisting condition, and will not be covered. This turns into a real problem, especially for allergy patients.




What a lot of people have started doing is opening a savings account for their pets. Every week, or pay period, they will deposit X dollars into the account, and use it for medical bills.


Care Credit is another option, but just be aware that if you carry a balance after the 0 % interest period (12 or 18 months I think), the interest rate shoots up to 24.9 %, which I think is outrageous. Also, you have to have impeccable credit to get approved...I know some people who have been approved for car loans that have been turned down by Care Credit.


Sending good thoughts for a positive outcome for your little Russell.

RussellTheShihTzu 03-28-2019 06:50 PM

Thanks to everyone.

We are not looking for normal care pet insurance. But for catastrophic care. So far, Russell's expenses (factoring in four more chemo treatments) is $6,000+. The most expensive insurance for both Edward, 5 years, and Fiona, 9 months, (neither has pre-existing conditions), is $1,00 per year. Average is around $600.

One man we met has Nationwide. His Lab has operable cancer; they paid 100% after deductible was met. Then, after she finished chemo, Maggie's ACL deteriorated and she had surgery for that. Paid 100%. No limit.

Some insurance has a maximum $5,000 cap; some no limit. Healthy Paws has the best EXCEPT it doesn't cover veterinary examinations. Our initial consult was $120 and after that $60 per visit for eight chemo and one CT scan. So we are still searching. Gary works for the AKC and they have pet insurance but it is second most expensive (after the ASPCA). Need to find out if we get an employee discount and if that discount applies after retirement.

I am going to ask the people where Russell is being treated if they notice any company is better than another. There is just one that pays the clinic directly but I forget why I wasn't impressed. Probably expense or ratings.

RussellTheShihTzu 03-28-2019 06:53 PM

Quote:

Originally Posted by Worldsworstusername (Post 1852509242)
I am so sorry you are going through this. I know how you're feeling, My boxer Joey was diagnosed with lymphoma right after Christmas, and my lab Katie was diagnosed with osteosarcoma about 3 weeks ago. Joey is on palliative treatment, and Katie's mass is on her sternum and is inoperable. Cancer sucks.

Yes, cancer sucks! So sorry about Joey and Katie. Will include them in my prayers.

Like Katie's, Russell's mass is also on his sternum and inoperable.

Worldsworstusername 03-30-2019 10:08 AM

Keeping Russell in mine as well....hopefully the chemo works well and gives him a nice long period of remission.

RussellTheShihTzu 04-02-2019 10:37 PM

Chemo today and X-rays and a freebie ultrasound. Tumor hasn't grown and there is no evidence of new ones! Doing a mental Happy Dance. I know Russell is terminal but at least we're getting a bit more time with our boy.

BTW, Pet's Best Insurance offers Accident-only insurance for $9.00 per month. $250 deductible and $10,000 annual limit but 90% reimbursement. We can get it for Russell. We travel with the dogs a lot so this will at least cover if he has a problem not related to his cancer/illness like ingesting something he shouldn't. It is included in Fiona and Edward's Accident and Illness policies. Thought you dog owners might like to know you can insure your guys for accident-only costs for $108.00 year; less it you pay annually.

According to the insurance person at Blue Pearl Vet, Healthy Paws and Pet's Best seem to have the most customer satisfaction. The drawback to Healthy Paws is they do not cover vet exam fees...ever. The drawback to Pet's Best is they take a bit longer to reimburse you. However, if the facility accepts such and your state allows it, Pet's Best will direct-pay the clinic.

bluesamphire 04-03-2019 02:13 AM

Well done Russell for that good news!
The chemo must be so hard on him.

Thank you for the info on Accident Only. Of course we have different insurance companies here in UK, but someone will be offering a similar policy.

Worldsworstusername 04-04-2019 08:42 PM

How did Russell do with his first chemo treatment? Most dogs tolerate it fairly well, although there is sometimes some nausea associated with it.

RussellTheShihTzu 04-04-2019 11:01 PM

Quote:

Originally Posted by Worldsworstusername (Post 1852510006)
How did Russell do with his first chemo treatment? Most dogs tolerate it fairly well, although there is sometimes some nausea associated with it.

Russell had four chemo treatments 1 x a week. Then we skipped a week and now we are every other week for 4 x. Tuesday was his first after skipping a week. He is not feeling and has had some diarrhea. For that they gave him Tylan (spel).

Have you ever accidentally tasted that stuff? Ugh! Bitter and you can't get the taste out of your mouth. And the instructions direct one to "sprinkle on food." No way a dog would voluntarily eat ANYTHING with that powder on it. So, I wet a Chee-zit, sprinkled the powder on it and topped with tuna. The powder stuck to the Chee-zit, the Cheez-it stuck to the tuna (and mayo-only). So, down it went. Worked with a Ritz cracker, too. ;-) But, wash, wash, wash your hands so you don't get an inadvertent taste. :shock:

We also have meds for nausea which I gave him this morning.

Old Dog 59 04-05-2019 03:47 AM

Russell is a trooper, and a fighter. Sounds like things are going well with all things concerned. Ginger and I are keeping you all in our prayers. It's funny you say the med's taste bad, We once had a rotty that would chew on everything . We finally found a spray that we thought would work. It tasted so nasty. However it did not stop the chewing. He really liked the stuff (go figure) Even spraying it directly into his mouth, he just sat there and lapped it up. They have different taste buds I guess.

I'm glad Russell is responding to treatment.

Veloran 04-05-2019 09:16 AM

I'm pulling for Russel through this, having lost my share of pets over the years, it's tough.

We have MetLife pet insurance through my work, but I think it may be an employer only plan. Every time I try to navigate to it on my own, it seems to redirect me through my company's benefits page.

bluesamphire 04-05-2019 12:43 PM

Thank you for the update.

My two shih tzus get nauseous v easily, if they have empty stomachs. We often get retching in the mornings, if breakfast is delayed. Can’t imagine how much worse it must be for Russell with chemo and meds AND nausea.

Don’t know if this will work for you, but when we get the nausea-retching, i can get them to eat if I wait 10 mins, and then give them a small amount of a high-value treat. Wait another 10 mins, and then produce a meal.

Hope that helps.

Old Dog 59 04-05-2019 03:39 PM

I do hope you find what you need. From talking to my sister, I was told that Dad chose Nationwide Because the deductible was the most reasonable. I'm very glad that after my fathers death we sold the horses. This would have been an expense that neither my sister or I could have afforded.

I do miss them and riding, but since my surgery, and just now being able to use the right arm (limited use) I wouldn't have been able to enjoy riding. Let alone brushing and cleaning them up.
Retirement will not allow for those bills either.

She did tell me that the deduct able was $1500.00 per claim. It's a whole lot more now a days.

Worldsworstusername 04-08-2019 08:25 PM

Quote:

Originally Posted by RussellTheShihTzu (Post 1852510016)
Russell had four chemo treatments 1 x a week. Then we skipped a week and now we are every other week for 4 x. Tuesday was his first after skipping a week. He is not feeling and has had some diarrhea. For that they gave him Tylan (spel).

Have you ever accidentally tasted that stuff? Ugh! Bitter and you can't get the taste out of your mouth. And the instructions direct one to "sprinkle on food." No way a dog would voluntarily eat ANYTHING with that powder on it. So, I wet a Chee-zit, sprinkled the powder on it and topped with tuna. The powder stuck to the Chee-zit, the Cheez-it stuck to the tuna (and mayo-only). So, down it went. Worked with a Ritz cracker, too. ;-) But, wash, wash, wash your hands so you don't get an inadvertent taste. :shock:

We also have meds for nausea which I gave him this morning.




Oh that stuff is HIDEOUS!!! If you have a formulating pharmacy that your vet works with, they can put it in gel caps, makes it a little easier to get down, but it sounds like you've got a method that works. Plus, you get to spoil the little guy a bit.

RussellTheShihTzu 04-19-2019 02:56 AM

We went with Pets Best insurance. According to the clinic insurance person, IHE, Pets Best and Healthy Paws were the top two. While HP is faster to reimburse (by a couple of days), it does not cover vet exams, consults, etc. Our initial consult with Dr. Szigetvari was $160 with a couple of "partial consults" at $80. Right there is the yearly cost for one dog.

We opted for Accident and Illness on Edward and Fiona and Accident-only for Russell who, of course, has a pre-existing so Illness is out for him.

Had a scare on Monday as Russell was having obvious respiratory distress. Luckily, Tuesday was his chemo. After examining and plainly seeing his respiration, they did an ultrasound. Fluid accumulation so they did a chest tap and removed nearly a teaspoon. X-rayed and compared to those taken two weeks before. No changes. Because of the fluid, doctor decided to change chemo meds and add Prednisone.

So, home with we came with a new chemo protocol: Two pills Monday, Wednesday and Friday for three weeks. Must wear gloves! And a steroid every 24 hours. So we go back on May 7.

Finally found a food combination he will eat...even prefers to straight boiled chicken breast. Half Purina "Bella" and half Iams kibble. The Bella is like pate in texture; similar to Lil Caesars. Hand fed so he doesn't, heaven help us!, get his beard dirty. :-)

Have to lock Edward and Fiona outside or they get terribly pushy. Like the cobbler's children have no shoes, the dog trainer's dogs have no manners. :roll:

Thank you everyone for your thoughts and comments. It really helps to share and have a group of people who understand.

Old Dog 59 04-19-2019 03:57 AM

I am very glad Russell is in the best of care. A teaspoon of fluid removed? No wonder he was in distress. That is quite a bit for a little guy like Russell. Like I said before he has great care and a Mommy who knows her stuff when it comes to knowing what to do. With the new food I bet he's in seventh heaven having it all to himself. Glad to hear about the insurance also. You know our prayers are still with you all.

bluesamphire 04-19-2019 04:13 AM

Sorry to hear about the fluid on the lungs. Poor little chap.
Hope this new regime is a smoother ride.

And yes. The ol’ Hand Feeding trick.
You are now doomed to it for ever more! Doomed I say!
(At least, that is what he would like!)

Cato got colitis (gluten reaction) and lost so much weight I had to hand feed him for a couple of days to monitor how much he was actually consuming.

And that was it.
He could see no reason whatsoever why he should start feeding himself ever again. Little pest.
Took a long while for him to realise I wasn’t falling for that!

Worldsworstusername 04-19-2019 01:38 PM

I'm glad to hear that Russell is eating well. Hopefully the new chemo regimen will do well for him.


Unfortunately, Katie lost her battle. We put her to sleep on Tuesday, when it became clear after xrays that the mass had started growing into her chest and impeding her airway. I couldn't let my best girl struggle. I'm afraid that I'll be losing Joey soon, as well. His lymph nodes have almost tripled in size, although he's still eating well, I'm noticing a decline in his activity, and while at rest, a lot more respiratory effort.



This has been a very difficult week, and next week isn't looking much better.

bluesamphire 04-19-2019 02:35 PM

I am very sorry, @Worldsworstusername

Worldsworstusername 04-19-2019 06:21 PM

Quote:

Originally Posted by bluesamphire (Post 1852510786)
I am very sorry, @Worldsworstusername




I just got home from putting Joey to sleep. I knew it was soon, but wasn't expecting it this soon.


So sorry to thread jack (really wasn't my intention)

RussellTheShihTzu 04-19-2019 10:45 PM

2 Attachment(s)
First, so sorry about Joey and Katie. It is always so difficult a decision even when you know it's right. May you find comfort in the fond and funny memories Katie and Joey have left you.

And, you are NOT hijacking this thread. I see it as one where anyone can share his or pet's distresses and receive much-needed support. I may even change the title to suggest such or start a "Support" thread for all of us.

Speaking of hijacking, here is Russell hijacking the cat bed. BTW, Russell always drags the blue cushion (near Fiona's Lamb Chop) out before he gets into the bed. :-)

Attachment 962262

And Fiona asking: "How the heck did he fit in that bed????" (Edward stretched out behind; brown carpeted thing is their sofa ramp.)
Attachment 962264

Rainbo 04-20-2019 02:02 AM

I'm glad that Russell is hanging in there, and praying that the new chemo routine kicks the cancer's butt.
@Worldsworstusername I'm so sorry about Joey and Katie :'-(

Old Dog 59 04-20-2019 02:17 AM

I hate having to put any animal down. Having to make the decision is a terrible thing to have to do, even when we know it is the best thin to do. I lost two beloved cats that we had for over 18 years a few years back. It was one of the hardest thing to have to do. We have so many memories of our kids. And it's funny how those memories effect us every day. Whats even worse is how their siblings feel the loss. Their reactions to being left alone differ, but you know they feel the loss too.

Doing the right thing sometimes really sucks.

Worldsworstusername 04-21-2019 08:13 PM

Quote:

Originally Posted by RussellTheShihTzu (Post 1852510814)
First, so sorry about Joey and Katie. It is always so difficult a decision even when you know it's right. May you find comfort in the fond and funny memories Katie and Joey have left you.

And, you are NOT hijacking this thread. I see it as one where anyone can share his or pet's distresses and receive much-needed support. I may even change the title to suggest such or start a "Support" thread for all of us.

Speaking of hijacking, here is Russell hijacking the cat bed. BTW, Russell always drags the blue cushion (near Fiona's Lamb Chop) out before he gets into the bed. :-)

Attachment 962262

And Fiona asking: "How the heck did he fit in that bed????" (Edward stretched out behind; brown carpeted thing is their sofa ramp.)
Attachment 962264


I love your furry crew, they are stinkin' adorable. Those pictures brought a smile.


Quote:

Originally Posted by Rainbo (Post 1852510816)
I'm glad that Russell is hanging in there, and praying that the new chemo routine kicks the cancer's butt.
@Worldsworstusername I'm so sorry about Joey and Katie :'-(


Thank you. They were good pups, and I'm feeling the big hole they left in my heart.


Quote:

Originally Posted by Old Dog 59 (Post 1852510818)
I hate having to put any animal down. Having to make the decision is a terrible thing to have to do, even when we know it is the best thin to do. I lost two beloved cats that we had for over 18 years a few years back. It was one of the hardest thing to have to do. We have so many memories of our kids. And it's funny how those memories effect us every day. Whats even worse is how their siblings feel the loss. Their reactions to being left alone differ, but you know they feel the loss too.

Doing the right thing sometimes really sucks.


My remaining boy Mooshie has been looking for them all weekend. He's never been alone, so this is hard for him to understand. He's being really good, but I'll be taking him to work with me for a while, because I feel bad leaving him alone when he's never been alone before. He's been extra snuggly, which helps me, too.


I really appreciate the support I've received here, you all are good people.

RussellTheShihTzu 04-21-2019 10:55 PM

You are getting another puppy, are you not? Mooshie would appreciate it, I am sure. ;-)

Old Dog 59 04-22-2019 01:54 AM

They say time heals all, but it feels like an eternity. We didn't get another cat to replace the two we lost and our third one was the only one for about 5 years. We finally Got Jack about a year ago. He was 8 months old and a real joy in our hearts. Nutmeg on the other hand was not so joyous. She was 15 years old then and really set in her ways. She has finally been able to come to grips with Jack. some times literally. LOL She now accepts he is not leaving. She's an old lady and wont put up with his playfulness very long. But she's doing better. She knows she is the queen and her mommy and daddy will always take up for her.

There are times when I wonder if getting Jack was the right thing to do. And the rest of the time I know it was. We knew Nutmeg would not be here much longer and my wife didn't want to be alone with out having a fir child to snuggle on her lap. Now neither one of us knows what we did with out them.

When an animal looses a friend or mate that they have been around that long they most definitely feel the loss. And they don't understand what has happened. Love them and reassure them every day that they are still with you and you also feel the loss. the comfort you give to each other comes back 10000 fold.

RussellTheShihTzu 04-23-2019 01:11 AM

I feel so incredibly lucky that I convinced Gary we (I, really) needed another Shih Tzu. That was back in September. I had been wanting a female as I live with enough testosterone between him, Russell, Edward and Boo. :-)

Gary balked but finally relented so we have Fiona. I think my lucky stars every day that when Russell passes, Edward will have Fiona as a companion.

I even let Fiona sleep outside her crate for the last two weeks while Gary was out of town. She'll go back to the crate when Gary gets home. Don't think he'd care for the fact her preferred sleeping position is on the pillow jammed up against one's head. Plays heck with the breathing when one rolls over!

RussellTheShihTzu 04-25-2019 04:27 PM

1 Attachment(s)
Sadly, I must report that our little boy lost his battle on Tuesday, April 23. He died quietly in my arms as I was kissing him good-bye and his oncologist and the techs let had tears in their eyes. He was a wonderful, happy little dog and the gap he leaves in our lives is immeasurable.

Attachment 962354

bluesamphire 04-25-2019 05:10 PM

I am terribly sorry, for him, for you, your husband and Russell’s packmates. So sorry.

Old Dog 59 04-26-2019 05:08 AM

Oh Linda, I am so very sorry for the loss of Russell. I know he was a light in your lives. He will always live on in memories. I know words can't express the sorrow I feel for this loss. Please if there is anything Ginger and I can do just ask.
David

Worldsworstusername 04-27-2019 11:38 PM

I'm so very sorry to hear of your loss. I know the sorrow you're feeling right now. Take comfort knowing that you were there for him, and that he knew how much you loved him.

charliegill110 04-28-2019 07:04 PM

I'm so very sorry [emoji3590]


Sent from my iPhone using Tapatalk

RussellTheShihTzu 05-09-2019 09:15 AM

4 Attachment(s)
Our final post:

When Russell went to chemo it was his team's request that I do something with his topknot. To keep the atmosphere light, I did these two. Top is his "Biker Dude" look. And under it his "Rainbow Unicorn" (note multi-colored bands) or "Punk Dude." The vet holding Russell had recently lost her Shih Tzu, Patches, so Russell was special to her.

The last photo is of the plaque I am sending to his oncologist and two primary techs. One of the techs always said Russell could "rock those bows" and Dr. Szigetvari said he had "swagger." So the plaque on the back will read: "In Memory of Russell. He rocked those bows and kept his swagger until the end."

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