What Does "Usual and Customary" Mean?

Miles-and-DrLarry-relax I got an e-mail from someone looking into our insurance policies last week. It seems they are a little confused about the words "usual and customary" pertaining to veterinary fees. We use this language to describe our rationale for reimbursement on claims filed by policy holders. Once you have met your deductible and 20% co-pay, we reimburse 80% of the eligible fees that are "usual and customary."

Let me quote from page two of the actual policy document:
When used in the Policy, "Usual and Customary" shall mean fees or costs that would be considered reasonable for like veterinarians to charge in the region for which the the services were performed as described in veterinary fee references or other similar publications. 
 
That seems pretty self explanatory to me. In plain english, it means we reimburse the going rate in the area in which the services are performed. We don't put a dollar limit on reimbursements because we are sophisticated enough to realize that veterinary fees vary from region to region and even within a give area.
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Dog Flu Update

Yvonne The H1N1 "swine" flu is a topic that makes the news daily, with new reports of outbreaks across the country. But, what about the H3N8 flu - the dog flu? We don't hear about that so much.

Recently, our own Dr. Bill reported on the dog flu or canine influenza, as vet's will say. His report shows that "Canine influenza is extremely contagious and while humans are not affected by this flu strain, they can unknowingly pass it from an infected dog to an unaffected dog." This flu can be spread via contaminated objects, and the dogs at risk may be those in kennels, boarding facilities, or animal shelters. In fact, the report notes that show dogs are also at risk - by being in close proximity to other dogs.

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Cross-country in a truck

Yvonne For those readers who are subscribed to Scratchings & Sniffings, you'll know this story, or at least some of it. Tom and I took the Wabby, resident Queen Kitty, on a cross-country move from Rochester, NY to Frederick, CO and arrived (all in one piece - I know, I checked us all for pieces and every toe and every finger was accounted for), the day before yesterday.

Getting here was half the battle, of course. We drove and drove and drove, and went through Ohio, and stopped at a fabulous B&B (White Rabbit Inn, in case you're interested), and then drove and drove, through Indiana and Nebraska, until we finally got to Colorado. Unfortunately, we did not stop to get bumper stickers...so, you'll have to take my word for it.

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Turkey Day Pet Precautions

Dr. Larry It's that time of year again. Time to clean up the house, get out the Joy of Cooking and prepare for the onslaught of family and friends. We're having sixteen people. I'm in charge of the booze. 

While you've been stressing about it for a couple of weeks now, your pets are blissfully ignorant about what's to come. Some of the more astute pets may be picking up on your stress level and staring at you moon-faced in anticipation, but most are unaware that they are in any danger at all. Yes, I did say danger.

In addition to the 4th of July, the Thanksgiving and Christmas holidays are prime time for pets getting lost.
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Giving Your Cat a Pill or Capsule

Dr_larry How many times have you gone home from the veterinarian's office with a week or so worth of pills or capsules to give you pet? I know I dispensed quite a few in my day. If you have a dog it's usually not that big a deal. You can stuff the pill or capsule in a piece of cheese or lunch meat and woof, it's gone. 

Not so with many cats.
 
Let's face it, cat's can be tough to pill. My fear is that lots of cats might not be getting their medication after a few failed attempts at pilling at home. It may look easy in the vet's office, with the veterinary technician demonstrating the technique. She has probably pilled thousands of cats.
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Two Great Cat Care Videos

Dr_larry I wanted to alert cat owners about a couple of really nice videos I've recently come across. The videos deal with two fairly common cat diseases; chronic renal failure and diabetes mellitus. Both of these conditions occur with surprising frequency in cats especially as they get older.

The videos are produced by Cornell University College of Veterinary Medicine and are made possible by funding from our friends at Purina Veterinary Diets.
 
Both videos provide comprehensive information on the diagnosis and management of these two chronic diseases. Real cat owners are interviewed and they provide real insight into how they began to recognize the symptoms of each disease and how they are dealing with home care.
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Mast Cell Cancer Claim: A PurinaCare® Podcast

In this podcast, Dr. Bill and Dr. Larry discuss how PurinaCare® pet health insurance helped a pet owner with the serious issue of Mast Cell Cancer.

This is for anyone who has had to deal with cancer in their lives. Having insight into how it works in pets, and how pet health insurance coverage can be extremely helpful in defraying costs, is something worth knowing.

Oftentimes pet people wonder what the pet health insurance industry allows, and Dr. Larry talks openly about that on this blog, regularly. Read his posts and visit our podcast page to hear stories about claims and more on the issue of pet health insurance.


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Snoring Cat - is he dreaming about Thanksgiving?

Just could not resist this video! Found it on the Friskies blog. One has to wonder what this cat is dreaming about? Thanksgiving, maybe? Just priceless! (and one wonders if cat's have deviated septums like people - I think I'll ask Dr. Bill and Dr. Larry)

p.s. they have some good polls on the Friskies blog, like one about pets celebrating holidays...do yours?


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Cedar

Dr. Larry Cedar lost his battle with cancer over the weekend. Those of you that had read about him in the past know that he was a special dog. 

I first wrote about Cedar a couple of years ago over on the pet blog; Scratchings and Sniffings. In a post entitled, The Biggest Dog in the World, I wrote about all the special accommodations our friends Mike and Ellie made to have Cedar as a part of their lives. I also wrote about his knee problems and how he had been helped with a special surgical procedure.
 
About a year ago Cedar developed a problem called an elbow hygroma and we spent several posts describing the ups and downs of dealing with that. And finally, we covered Cedar's battle with metastatic squamous cell carcinoma in several posts here on the pet insurance blog.
 
I wish we had written more posts about Cedar, the healthy life long companion.
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True Story: Doggie Daycare is the Cat's Meow

Yvonne Okay, maybe doggie daycare isn't the cat's meow. I suspect cats would not like that much. Nor would dogs. However, I was having dinner with a friend recently and she revealed that her mother, who has two dogs, engages doggie daycare at least 2-3 times a week.

Not only that, but the dogs are picked up at the house by a van! Can't you just see all the dogs sitting at the windows of the van, looking out, barking at everything they see? Well, it doesn't work that way. The van picks the pups up in crates. Which means crate training is an important part of being a good pet owner. (link is to example of a company that uses a van, not indicative of the particular petcare business discussed here - primarily because my friend couldn't remember the name of it.)

Now, that's the cat's meow. Or, is it the dog's woof-woof?

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