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How to get cheap pet insurance, according to veterinarians

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Here’s how experts say you can find the most affordable pet insurance now.

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Approximately 60 million American households own pets, according to the U.S. Census Bureau. Within those households, pets are eating up an increasing share of income. Pet expenditures totaled $57.8 billion in 2013, but the Bureau of Labor Statistics reports they increased 77.9% in eight years, hitting $102.8 billion in 2021. 

While pet owners face many expenses, vet bills are often one of the biggest.  Routine care averages $225 for dogs and $160 for cats according to the ASPCA, not including preventative medication. Expenses are much higher if there are problems, and more than 40% of pet owners report that costs prevented them from getting care. 

For families concerned about covering vet bills, buying full-coverage pet insurance may be well worth the price. Insurance policies for both dogs and cats have become more popular and more widely available, with policies reimbursing pet owners for part or all of the care their animal receives. However, not all policies are created equal, with three options available including:

  • Accident-only, which had an average annual premium of $122.19 for cats and $200.58 for dogs in 2022, according to the North American Pet Health Insurance Association
  • Accident and illness, which had average annual premiums of $387.01 for cats and $640.04 for dogs.
  • Comprehensive plans with wellness coverage, which charged average annual premiums of $613.67 for cats and $1,134.29. 

If you’re interested in getting any of these types of insurance, these tips will help you find the most affordable coverage offering the protection your pet deserves. 

Start comparing your best pet insurance options and get coverage today.

Buy coverage as soon as possible

If you want your pet insurance to be as affordable as possible, time is of the essence.

“Obtain the insurance as early as possible before your pet has any conditions that might be considered pre-existing,” says Dr. Ali Mason, regional director of operations at DVM and Thrive Pet Healthcare. 

Dr Matthew McCarthy, a veterinarian and the founder and owner of Juniper Valley Animal Hospital also warns that any medical issues could result in your pet being considered to have a pre-existing condition, which could make it impossible to get coverage for that health issue and make buying any policy “markedly more expensive.”

Buying a policy as soon as possible also benefits you for another reason. “Younger dogs will have lower premiums,” says Dr Sandi Norman, DVM and part-time General Practice Director at Noah’s Animal Hospitals. “Rates go up as your pet ages.”

If you want to be especially proactive, it may be worth researching insurance costs before choosing a pet to bring into your family. “Certain breeds have higher rates because they inherently have more health issues such as brachycephalic breeds, like bulldogs, or boxers,” Dr. Norman advises. 

Choosing one of the cheapest dog breeds to insure or cheapest cat breeds to insure won’t just help you reduce insurance premiums, but can also help you find a companion that’s less likely to have expensive medical issues.

Don’t risk letting your pet go uninsured. Compare your policy options today.

Consider an accident-only policy

Not all pet insurance policies are created equal, and one surefire way to overpay is to buy the wrong kind of coverage.

“Pet owners should ask themselves what they need a pet insurance policy to cover,” says Dr. Wendy Hauser, DVM and special advisor at ASPCA Pet Health Insurance. Dr. Hauser explains there are all-inclusive policies covering preventative or routine care as well as accidents and illnesses, but they tend to be more expensive.

Paying extra for a policy that covers routine services may not be the right choice for most families. “When looking for affordable insurance coverage, I recommend pet owners focus on emergency and illness coverage,” Dr. Mason says. 

Accident and illness policies won’t pay for things like yearly exams, or vaccines — but they’ll help cover larger and less predictable expenses. “It’s always best to save for routine visits and have insurance ready for unexpected emergencies or illnesses,” according to Dr. Mason. 

Dr. Norman notes that accident and illness policies are very popular because they provide a good balance between protection and affordability. “Many pet owners chose to have coverage just for emergencies and surgeries while paying for routine wellness on their own. That will make their premium less than a full coverage policy,” she sayd. 

If an accident and illness policy still costs too much, there’s also another option. 

“If the monthly premium for a comprehensive policy is out of reach, pet owners can consider accident-only plans,” Dr. Hauser says, pointing out that some insurance is still better than none at all. 

According to Dr. Hauser, accident-only policies cover things like poisonings, foreign body ingestion, lacerations, broken teeth, being attacked by other animals and hit by cars. “They’re often highly cost-effective for pet owners and help to cover the most unexpected and unpredictable health needs of pets.”

Consider a high deductible policy 

When shopping around for a policy, your deductible is another factor with a big impact on premiums. 

“Pet Insurance always has a deductible, which you will be responsible for out of pocket,” Dr. Norman explains. The deductible could be per incident or per year, but the higher it is, the lower your premiums will be.

“Talk to the insurance companies about raising deductibles for a lower monthly payment to avoid breaking the bank each month.” Dr. Mason says. 

Just be sure that you can afford to cover the deductible, as you’ll have to pay it out-of-pocket when you make a claim. 

Find out how much premiums can change from year to year 

You don’t just want your insurance to be affordable when you buy it — you’ll want it to remain affordable for the long-run.

Dr. Mason says that it’s best to stick with the same coverage once you’ve signed up. “You don’t want to bounce around to different plans throughout your pet’s life since pre-existing conditions will not be covered when the plan is switched,” she says. Because of that, she says it’s important to ask the insurance companies how much premiums will change from one year to the next and what factors they consider when making that decision. 

Dr. McCarthy also warns that some pet insurers have increased premiums at a rate well above the inflation rate and says that some companies have even dropped pets from coverage without justification.  

You want to make certain you can trust your insurer, so always ask about their policies for premium increases and policy renewals. Research carefully to find a reputable insurer so you won’t have to worry about losing coverage. 

Shop around for coverage

Finally, the last key step — and the most important — is to shop around carefully to find the right coverage.

“There are a lot of choices for pet insurance available,” Dr. Hauser says. “It pays to spend some time on provider websites to learn about policy selections.” She suggests reviewing sample policies on the website to understand coverages and exclusions and looking at factors including:

  • What percent of care the policy reimburses
  • Deductible levels
  • Waiting periods
  • Annual and per-incident maximums

Reading customer reviews of different insurers can also help you find the right company to meet your needs. 

The bottom line

Pet insurance can make the difference between being able to afford your animal’s care and not, so it’s worth looking into your options. There are affordable solutions for most pet parents, and buying the right policy from a trusted company may just save your pet’s life someday. 



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Kamala Harris raised more than $1 billion for her campaign. She’s still sending persistent appeals to donors after defeat.

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Kamala Harris and the Democratic Party’s prodigious fundraising operation raised more than $1 billion in her loss to Donald Trump, but the vice president is still pushing donors for more money after the election.

Democrats are sending persistent appeals to Harris supporters without expressly asking them to cover any potential debts, enticing would-be donors instead with other matters: the Republican president-elect’s picks for his upcoming administration and a handful of pending congressional contests where ballots are still being tallied.

“The Harris campaign certainly spent more than they raised and is now busy trying to fundraise,” said Adrian Hemond, a Democratic strategist from Michigan. He said he had been asked by the campaign after its loss to Trump to help with fundraising.

The party is flooding Harris’ lucrative email donor list with near-daily appeals aimed at small-dollar donors — those whose contributions are measured in the hundreds of dollars or less. But Hemond said the postelection effort also includes individual calls to larger donors.

One person familiar with the effort and the Democratic National Committee’s finances said the Harris campaign’s expected shortfall is a relatively small sum compared to the breadth of the campaign, which reported having $119 million cash on hand in mid-October before the Nov. 5 election. That person was not authorized to publicly discuss the campaign’s finances and spoke on condition of anonymity.

But the scramble now underscores the expense involved in a losing effort and the immediate challenges facing Democrats as they try to maintain a baseline political operation to counter the Trump administration and prepare for the 2026 midterm elections. It also calls into question how Democrats used their resources, including hosting events with musicians and other celebrities as well as running ads in a variety of nontraditional spaces such as Las Vegas’ domed Sphere.

Patrick Stauffer, chief financial officer for the Harris campaign, said in a statement that “there were no outstanding debts or bills overdue” on Election Day and there “will be no debt” listed for either the campaign or the DNC on their next financial disclosures, which are due to the Federal Election Commission in December.

The person familiar with the campaign and DNC’s finances said it was impossible to know just where Harris’ balance sheet stands currently. The campaign still is getting invoices from vendors for events and other services from near the end of the race. The campaign also has outstanding receipts; for example, from media organizations that must pay for their employees’ spots on Air Force Two as it traveled for the vice president’s campaign activities.

Within hours of Trump picking Florida Republican Matt Gaetz for attorney general on Wednesday, Harris’ supporters got an appeal for more money for “the Harris Fight Fund,” citing the emerging Trump team and its agenda.

Gaetz, who resigned his House seat after the announcement, “will weaponize the Justice Department to protect themselves,” the email said. It said Democrats “must stop them from executing Trump’s plans for revenge and retribution” and noted that “even his Republican allies are shocked by this” Cabinet choice.

Another appeal followed Friday in Harris’ name.

“The light of America’s promise will burn bright as long as we keep fighting,” the email said, adding that “there are still a number of critical races across the country that are either too close to call or with the margin of recounts or certain legal challenges.”

The emails do not mention Harris’ campaign or its finances.

The “Harris Fight Fund” is a postelection label for the “Harris Victory Fund,” which is the joint fundraising operation of Harris’ campaign, the DNC and state Democratic parties. Despite the language in the recent appeals, most rank-and-file donors’ contributions would be routed to the national party, unless a donor took the time to contact DNC directly and have the money go directly to Harris or a state party.

The fine print at the bottom of the solicitation explains that the first $41,300 from a person and first $15,000 from a political action committee would be allocated to the DNC. The next $3,300 from a person or $5,000 from a PAC would go to the Harris for President “Recount Account.” Anything beyond that threshold, up to maximum contribution limits that can reach into the hundreds of thousands of dollars, would be spread across state parties.

Officials at the DNC, which is set to undergo a leadership change early next year, indicated the party has no plans to cover any shortfall for Harris but could not explicitly rule out the party shifting any money to the campaign.



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Miami Beach police: Head found on Key Biscayne belonged to missing swimmer

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Miami Beach police: Head found on Key Biscayne belonged to missing swimmer


Miami Beach police: Head found on Key Biscayne belonged to missing swimmer

01:17

MIAMI –  Miami Beach police have confirmed that a human head discovered on Key Biscayne earlier this week belonged to Victor Castaneda Jr., a 19-year-old swimmer who disappeared while saving his younger sister.

The grim discovery was made Tuesday morning by a worker on the beach behind the Key Colony II Ocean Sound condominium at 251 Crandon Blvd.

Authorities identified the remains as Castaneda, who went missing Saturday after being caught in a rip current at South Pointe Beach.

According to police, Castaneda and his younger sister were swimming when they were pulled out by the current.

Castaneda managed to help his sister to safety, but he was unable to escape the powerful waters himself. Attempts by nearby Good Samaritans to reach him were unsuccessful.

The family announced on social media that a memorial service for Castaneda will be held at 4:30 p.m. Saturday at South Pointe Beach.

Police are continuing their investigation into the circumstances surrounding the discovery of Castaneda’s remains.



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Book excerpt: “A Certain Idea of America” by Peggy Noonan

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In her new collection of columns from the Wall Street Journal, “A Certain Idea of America” (to be published November 19 by Portfolio), Pulitzer Prize-winner Peggy Noonan writes about the history and character of our nation, the remarkable figures who personify the best of America, threats to the social fabric, and the “better angels” of our democracy.

Read the foreword below, and don’t miss Robert Costa’s conversation with Peggy Noonan on “CBS Sunday Morning” November 17!


“A Certain Idea of America” by Peggy Noonan

Prefer to listen? Audible has a 30-day free trial available right now.


Foreword

This is not a book about the day to day of our national political life. It is simply about loving America and enjoying thinking aloud about it.

The columns gathered here are varied in terms of subject matter. They are about the things that endure, and things that deserve to be encouraged. A number of them are about spectacular human beings. As my editor and I read through the past few years of Wall Street Journal columns, if I said, “I really enjoyed writing that,” or she said, “I loved this,” or I said, “This was important to me,” it was in. If not, out. We chose about eighty from more than four hundred. We found ourselves most attracted to themes of history and its pleasures.

The book is divided into seven parts.

“Let Us Now Praise Famous Men” is mostly about great figures and artists of the twentieth century, from Billy Graham to Oscar Hammerstein, from Queen Elizabeth II to Senator Margaret Chase Smith of the state of Maine, and from Tom Wolfe to Bob Dylan, with some side trips to the nineteenth century and the generals of the American Civil War. Looking back on a career of now fifty years, I see that from the beginning what I have loved most, what has most moved me, is writing honest praise.

“I Don’t Mind Being Stern,” on the other hand, is about having fun, as a public writer, taking as big a stick as you can to people and things you are certain deserve it. The U.S. Senate changing its dress code to accommodate a senator who enjoys dressing like a child? Get the stick. Vengeful Prince Harry? Ditto. We were certain a recent Broadway production of Cabaret deserved our stern attention, in a piece whose last line is its summation: “Life Isn’t Merde.” We castigate men who aren’t gentlemen, and admonish parents who, as their personal vanity product, wind kids up to become mindless status robots. Also receiving fire are woke academics who speak garbage thoughts with garbage words. (I am sorry to use the word “woke,” which is boring and sounds merely sarcastic, but the thing is that when you say it, everyone pretty much knows what you mean.) I believe we were the first to compare contemporary social justice warriors with the practitioners of the struggle sessions of the Chinese Cultural Revolution. We enjoyed pointing out that the leaders of the French Revolution were, largely, sociopaths. There’s a piece written in the hours after January 6, 2021.

In “Try a Little Tenderness” we turn to love, which we posit as a very good thing. We call for artists to enter politics. We meditate, after the fire that swept the Cathedral of Notre Dame, in Paris, on the enduring presence and power of religious faith. We unabashedly love, we swoon over and wish to marry, Leo Tolstoy and War and Peace. We mourn for Uvalde, Texas. We talk about the endless drama of men and women, and instruct America that more happens every day in the office than business. Also we declare Taylor Swift an American phenomenon, and if you don’t like it you can just shake it off.

“It Appears He Didn’t Take My Advice” is two columns long. The first, on Joe Biden, was so spectacularly wrong in its central prediction that it made us laugh. Yet looking back five years, it seemed to me in its reasoning to be still oddly pertinent. The second, on Donald Trump, on the eve of the 2016 election, seems to me to have some prescience as to his central problems as a historical figure. Also in the writing of it I remember a feeling of poignance.

“On America” is about the foibles, troubles, and triumphs of our country. It includes the story of my great-aunt Jane Jane, and how, as an Irish immigrant, she came to love her new country. I’d say the general theme of this section is about keeping your poise under pressure. It includes recent college graduates, the Normandy invasion, and the spirited, against-the-grain testimony of an old-fashioned capitalist. Also included, a portrait of the dynamics that produced a political sea change: “The Protected Versus the Unprotected.”

“Watch Out” contains columns about the worries that preoccupy my mind: the dark potentials of AI, skepticism as to the character and motives of its inventors; the possible use of nuclear weapons, and the ongoing dramas in Ukraine and the Mideast.

“We Can Handle It” is about working our way, as a nation, through things that roil us, from the #MeToo movement to the abortion wars, from the creation of a sane foreign policy, to the low state of the American presidency.

This collection draws its title from the famous first sentence of Charles de Gaulle’s “War Memoirs,” most happily translated as “All my life I have had a certain idea of France.” It struck me when I read it many years ago and stayed with me because all my life I have had a certain idea of America, and from the beginning it shaped my thinking and drove my work.

What is that idea? That she is good. That she has value. That from birth she was something new in the history of man, a step forward, an advancement. Its founders were engaged in the highest form of human achievement, stating assumptions and creating arrangements whereby life could be made more: just. In the workings of its history I saw something fabled. The genius cluster of the Founders, for instance—how did it happen that those particular people came together at that particular moment with exactly the right (different but complementary) gifts? Long ago I asked the historian David McCullough if he ever wondered about this. He said yes, and the only explanation he could come up with was: “Providence.” That is where my mind settles, too.

De Gaulle said his thoughts on France were driven as much by emotion as reason, and the same for me. A piece in here dated July 3, 2019, speaks of both:

I’m not really big on purple mountain majesties. I’d love America if it were a hole in the ground, though yes, it’s beautiful. I don’t love it only because it’s “an idea,” as we all say now. That strikes me as a little bloodless. Baseball didn’t come from an idea, it came from us—a long cool game punctuated by moments of high excellence and utter heartbreak, a team sport in which each player operates on his own. The great movie about America’s pastime isn’t called Field of Ideas, it’s called Field of Dreams. And the scene that makes every grown-up weep is when the dark-haired young catcher steps out of the cornfield and walks toward Kevin Costner, who suddenly realizes, That’s my father.

He asks if they can play catch, and they do, into the night.

The great question comes from the father: “Is this Heaven?” The great answer: “It’s Iowa.”

Which gets me closer to my feelings on patriotism. We are a people that has experienced something epic together. We were given this brilliant, beautiful thing, this new arrangement, a political invention based on the astounding assumption that we are all equal, and that where you start doesn’t dictate where you’ll wind up. We’ve kept it going, father to son, mother to daughter, down the generations, inspired by the excellence and in spite of the heartbreak. Whatever was happening, depression or war, we held high the meaning and forged forward. We’ve respected and protected the Constitution.

And in the forging through and holding high we’ve created a history, traditions, a way of existing together.

We’ve been doing this for 243 years now, since the first Fourth of July and in spite of all the changes that have swept the world.

It’s all a miracle. I love America because it’s where the miracle is.

I would say of the above, welcome to my deepest heart.

You’ll see some of the U.S. Civil War here. It has been a lifelong preoccupation and followed my interest in Abraham Lincoln, whose life has gripped me since childhood. He is the only American president who was both a political and literary genius—literally, genius—and about him clung an air of the mystical. He was completely human (homely ways, off-color jokes, depressions, a writer of angry letters) and yet there was something almost supernatural in his ability to be fair, to be just, to be merciful toward his tormentors (the angry letters were thrown in a drawer). What a figure. Tolstoy thought him the greatest man in history.

Religious faith is a constant subtext here because it’s my constant subtext.

Anyway, America. With all her harrowing flaws (we have always been a violent country, for instance) she deserves from us a feeling of profound protectiveness. Our great job as citizens is to shine it up a little, make it better, and hand it on, safely, to the generation that follows, and ask them to shine it up and hand it on. I think that is often what I was trying to do. When you see this I will have been a weekly columnist in The Wall Street Journal for just shy of a quarter century. I am grateful I haven’t run out of opinions.

         
Excerpted from “A Certain Idea of America” by Peggy Noonan, in agreement with Portfolio, an imprint of Penguin Publishing Group, a division of Penguin Random House LLC. Copyright © 2024 Peggy Noonan.


Get the book here:

“A Certain Idea of America” by Peggy Noonan

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