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Get Fido some liability insurance – Dogster

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If you’re a dog owner, you don’t want to receive a phone call or letter from Paul Cannon. It means your pooch is in trouble. Paul is an attorney who represents people who have been bitten or injured by dogs. But Dogster spoke to Paul, and his inside information could save you from a devastating insurance shocker.

Does your policy cover dogs?

Do you think you are covered if your dog causes any type of injury or damage? Paul says he’s had bite cases where the dog owner made a claim just to get a canine curveball: your insurance company won’t cover it.

“The company will be sending a letter saying, ‘I’m sorry, you have no cover for dog bites.’ Your reason for this will be because they either have a clause in the policy that specifically says, “This breed of dog is excluded,” or a clause that says, “We don’t cover dog bites at all.” They may also have a clause that says, “We don’t cover dog bites at all.” which is so broad that the directive does not cover any injuries to animals, ”says Paul.

How could that happen? Experts say that dog owners may not have asked enough questions about what their insurance covers, or that the policy may have changed when it was renewed.

“Nobody is going to stop and read an entire homeowners policy. It’s very easy to go from one reporting to one that is not the same, ”says Paul. “It’s scary because you can accidentally drop your cover.”

Dog owner Dannielle L. had this scary moment. She recently decided to ask her insurance agent if her homeowner policy covers her pooches. She was stunned to learn it never happened.

“I was very surprised,” says Dannielle. “I assumed pets were part of the coverage.”

She immediately bought additional insurance for her dogs that cost about $ 40 a year. “I was so relieved to have it in case something ever happens,” she says.

Dog liability insurance

If your tenant or homeowner insurance doesn’t cover your dog, you may need pet insurance.

“It covers you when your dog damages someone else’s property or injures someone. You are responsible for your pets, ”says Janet Ruiz of the Insurance Information Institute.

John L. had to pay between $ 1,500 and $ 2,000 per year for dog liability insurance and bought new homeowner insurance after an incident with one of his dogs.

“Our dogs were playing and a door-to-door salesman came down our long driveway. My wife waved her hands and shouted, “No! No! Don’t come here and the dogs started barking, ”he says.

But the seller kept approaching, past the invisible fence line of the dogs. “My wife told him to retire, but he didn’t. One of the dogs nibbled his leg and tore his pants, ”says John. “I was angry with the person who came into my garden.”

John says the salesman went to the hospital. The skin on his leg was easily broken. He didn’t need any stitches and wasn’t seriously injured.

A week later, he filed a claim with John’s Homeowners Insurance. His company paid the debt, but then did not renew John’s policy because of the bite.

“I was shocked. I was a customer for at least 12 years,” says John. “I’ve never been entitled to the dog or anything.”

Limitation of Your Liability

Deborah J. Turner is the President of the Dean Insurance Agency, which sells dog liability insurance. Policies range from $ 175 to more than $ 1,000 per year, depending on your dog and your situation. Your best advice: be smart and try to avoid problems. Do not put your dog in a situation where he could harm someone.

“I don’t care how well trained your dog is. I don’t care what pretty clothes they wear. I don’t care that they are 8 years old and have never bitten anyone, ”says Deborah. “Don’t tell people, ‘My dog ​​is going to lick you to death. ‘Don’t say, “My dog ​​is only 7 pounds.” Risk management is a better solution. “

Insiders say to train your dog when they are not behaving appropriately and expect the unexpected. You have seen situations where dogs pinch, scratch, jump, or scare someone who then trips, falls, or is knocked over and injured.

“I’ve seen cases where a cute, small, fluffy dog ​​bit someone in the face for jumping in the dog’s face,” says Paul. “I’ve seen bite cases where someone dropped a utensil and leaned down to get it while the dog was under the table trying to get scrap.”

© DGLimages | Getty Images

Don’t get caught without it

According to the Insurance Information Institute, the average dog bite claim is nearly $ 45,000. “We see tragic cases where they’re higher and we’ve seen deaths,” says Janet.

Experts say that not having insurance to cover damage can be catastrophic. “It can put you in a situation where you would have to file for bankruptcy based on a judgment. It could ruin you financially, ”says Paul.

Even a small dog’s bite in a vulnerable area can result in expensive medical bills. “I’ve seen people bite their lip and have language problems because of the development of scar tissue. They may have to do multiple operations to get their speech back to normal, ”Paul adds.

Janet recommends an annual checkup with her insurance agent. “Pets would be one aspect of that, and if your policy doesn’t cover your dog, ask for umbrella or dog liability insurance,” she says.

Be honest with your insurance agent. “If you have a dog that is nibbling or biting, ask the agent, ‘Will this policy cover this? Do I have to get other coverage? ‘”Says Paul.

The insurance also protects you from people unfamiliar with dogs, as in John’s case. “It’s sad that people don’t pay attention to warning signs,” he says. “Our property has been attacked. We cannot control people who do stupid things. “

Dannielle says that one of her dogs may be anxious so insurance will give her peace of mind. “I don’t think she’d ever bite, but now I know I’m covered.”

Tips for homeowners

❥ Get a privacy fence to hold a physical barrier between your dog and strangers – a mature situation for dog bites. This prevents unskilled dog people from walking up to your dogs or a child from trying to reach through a clear fence to pet your dog.

❥ Put a padlock on the gate so that no one can easily walk in like the service staff who accidentally mistake your house for that of your neighbor or a stranger cutting through your garden.

❥ If your front yard isn’t fenced, keep dogs on leashes or inside to prevent dog bites from visitors or deliverers entering your property. Postal services require that dogs be restrained or kept indoors when mail is delivered. If your dog is easy going, the postman might not deliver your mail and you might have to pick it up at the post office.

❥ Do you have a porch? Gate it. This provides an extra level of security by preventing your dog from escaping and letting stray dogs, strangers, or deliverers have access to your dog while they relax with you on the porch.

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Dog Technology

Why is my dog ​​still getting sick? – Dogster

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why is my dog ​​still getting sick? dogster

How is it possible that many vets report an increase in the ailments normally associated with hanging out with other dogs – visits to dog parks and the like – in dogs stuck at home with their owners during the pandemic?

These include kennel cough, which is common on boarding and daycare, and leptospirosis, a bacterial infection associated with puddles and dirty water. Two things dogs love to wallow in in dog parks?

For example, multiple vets stuck at home and frolicking in the backyard can simulate these very same conditions.

“Everyone is more at home, so they see more things, especially things they might not have noticed before,” says Jenni Grady, DVM, who works at the Community Medical Center, which is part of Tufts University’s Cummings Veterinary Medical Center up north is Grafton, Mass. “As more people have purchased pets during the pandemic, they are seeing behavior that they are not used to.”

In this context, pet owners have faced the occasion and filled veterinary practices and emergency rooms. If there were concerns that people would forego the most routine treatment during the pandemic – either because of the cost of layoffs and closings or fears of disease exposure in veterinary offices – it simply wasn’t.

“It’s just one chance in the setting we’ve seen for so long,” says Kerry Young, DVM, of the Rutherford Veterinary Clinic in Dallas. “They’re willing to go the extra mile because they see their pets as part of the family, so they want to make sure they’re healthy.”

By and large, veterinarians say, pandemic trends have included:
Continuing care, especially for heartworms and fleas. The owners did not stop giving treatments despite the cost. Dr. Grady reports that flea is currently still popular with cats.

An increase in some immunizations, especially for leptospirosis and kennel cough. Dr. Young says she advises patients to pay close attention to shots for their locations such as Lyme disease in the northeast.

Busy clinics and emergency rooms in some parts of the country. Traffic had declined by up to 25 percent at the beginning of the pandemic, reports the AVNA, but it recovered quickly. Dr. Young says she didn’t see this in Dallas, but Drew Sullivan, DVM, says it was common in his Chicago practice that is part of the University of Illinois Clinic. In the early days of the pandemic, restrictions meant veterinarians schedule fewer appointments, while an increase in puppy and kitten adoptions over the past year meant more patients were seen. Dr. Sullivan says, “We were crazy busy and that was a surprise.”

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Red Heeler – Dogster

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Hello Brian,

I am not an expert and I only share my experiences and advice from my own perspective. So what I do may or may not work with your dog … but I hope it will help. I owned 3 dogs before the one we just got, and I’ve been with lots of other dogs, cats, and animals in my half century.

On April 14, 2020 we received a 1 year old Red Heeler named Copper. He likes to be on our heels while walking or running and seems to be intentionally trying to trip us. He also likes to nibble on our hands all the time. He doesn’t bite to injure himself, but rather nibbles and nibbles very playfully. Overall, I understand that for him, it’s playful and fun. I read that this is in the breed.

One thing I’ve read to stop the nibbling on my hands, and something I’ve worked on with Copper, is, whenever he gets into that playful playfulness, gently slipping the matching chew toy, rawhide, into your mouth stuck. or whatever you want him to chew on every time he starts nibbling on my hands. In this way he learns what to / cannot chew on. Then give them plenty of positive praise and rewards for chewing on the right thing.

I keep him on a leash so he doesn’t rush on my grandchildren or suffocate them as they run away from him. I’ll slow him down enough so that he just runs behind or next to them so he can keep up with them. He is very playful and excited so I give him lots of positive praise and answers for behaving the way I want him to. And firmly tell him STOP or NO when I see him doing things that are undesirable.

Another friend of mine had a border collie and said if he didn’t walk his dog daily, his dog would start chewing on everything. But when he took her for walks, she looked great all over the house. So what I’ve done with Copper is take him on walks and frequent long walks several blocks along the river or on the local canyon trails so he can burn off all that energy before it builds up. I see that when he’s cooped up and doesn’t burn that energy, he gets caught up in things and even tears small pieces out of his memory foam mattress when we took off the cover to wash. As Sandy said in her comment, “A tired dog is a good dog.” There is a lot of truth in that. Let your dog wind up, get worn out and burn off that energy.

The positive praise that directs his attention to suitable chew toys, firmly commands him to stop, and especially to burn that energy, seems to work with copper. I also talk to him a lot as if he were human and explain to him what I do with him. He learns from repetition to recognize words and commands. He also knows now that he has to run away from me when I tell him it’s time for a bath, haha.

Copper came from a negligent and potentially abusive home. When we got it, it didn’t even respond to a tennis ball or a squeaky toy. His jaws were weak and he could barely chew the rawhide. He had mange and smelled of the uncleaned dog kennel. Her other dog was a pit bull who was missing half of his hair around his neck / chest and back due to mange. Now that the mange is gone, we are in the process of getting the yeast infection under control that is causing his skin to be red and itchy. Three weeks later, Copper is playing Fetch, is house trained and a really great dog. I attribute this to the intelligence of his breed and do a lot of research online or watch YouTube videos. I can’t remember ever seeing a dog pick things up so quickly.

All the best to you and good luck to you and your heels.

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Easy ways to deal with matted dog hair

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easy ways to deal with matted dog hair

Matted dog hair is the worst! It’s ugly, dirty, sometimes painful, and once matted dog hair starts it can get out of control and become a health problem.

I have babysat a brother-sister team of Blue Picardy Spaniels. These royal dogs have lush, wavy feathers on their legs, undersides, and tails. This breed is also a ball of energy! Add this gorgeous feathered coat after a long hike of running and frolicking through creeks and you have some serious matted dog hair of your own!

The kicker – the siblings’ people firmly believed that their fur could not be cut. I would try to help by brushing them after our outdoor adventures, but I felt bad for the groomer if I put them down and had to remind the staff, “No cutting!” As if by magic, these two pups would be silky with , mat-free springs come back. How did these snow groomers deal with all that matted dog hair? Patience, the right tools, skills, and help from watchful dog parents.

Dog with crazy messy hair blowing in the wind. Photography © cynoclub | Getty Images.

What you need to know about dealing with matted dog hair

Here are some grooming tips for dealing with matted dog hair:

  1. First, Train your dog to enjoy grooming so he’ll stand still long enough to get the mats out! Start brushing your puppy when he’s young, even when he doesn’t need him. Hand out praise and quality treats so he can combine grooming with happy things.
  2. Pay close attention to areas that are easy to matte: behind the ears and legs, in the armpits, on the chassis and where his collar or halter rubs.
  3. Prevent matted dog hair from forming. A detangler cream or spray will prevent the fur from clumping together and can be used before your puppy jumps into a river or lake to make it easier to brush out after a swim. Only use products made specifically for dogs.
  4. When your puppy’s fur has grown Take a trip to the vet who is badly matted or has not been cared for in a while. Unkempt fur and extremely matted dog hair can cause skin irritation or infection that needs medical attention.
  5. To learn that It is best to speak to your groomer about brushing out your pup and the type of brush. Your groomer will be happy to let you know because the better you groom yourself daily, the easier your job will be.
  6. Don’t ignore the paws. Hair that grows between the pads can become matted. Keep your hair short. If you need a touch up in between professional grooming, purchase a couple of dog clippers. They’re easier than scissors on your dog’s delicate paws.
  7. Hair clippers are also useful for keeping a puppy’s rear end neat and tidy. Between sitting and pooping, this area can quickly get messy. A clean area around the anus is worth a little embarrassment between you and your dog.
  8. Good diet will help them have a healthy coat, which is less likely to mean matted dog hair. Look for omega-3 or fish oil in your pup’s diet and supplements. Of course, consult a veterinarian to find out how much is best to give your dog.

A dog with a grooming tool or brush. How do snow groomers deal with matted dog hair? Photography by Laures / Thinkstock.

Professional snow groomers for handling matted dog hair

1. Deana Mazurkiewicz IGMS, NCMG, IFMS President, Intellectual Groomers Association and Stylist at Pawsh By Deana in Zephyrhills, Florida. facebook.com/intgroome

  1. Never bathe your dog if he has mats or kinky hair. Water acts like a sponge and only makes it stronger.
  2. Use cornstarch to loosen matted dog hair. Rub a little on the mat to loosen it up, then brush it out.
  3. Don’t assume the conditioner will remove or loosen mats. They need to be brushed and combed thoroughly before bathing.
  4. NEVER try to cut out matted dog hair. The mats may be tighter than you think or have skin caught in them and you can cut your pet easily.

2. Windmere Kennels, St. Charles, Michigan; facebook.com/Windmerekennels

  1. Brush! Dogs like poodles and goldendoodles that are considered non-shed don’t shed dead hair on their own. They need help by brushing with a good, smoother brush at least twice a week.
  2. Regular visits to a professional snow groomer are a must to ward off matted dog hair! Every six to eight weeks is recommended.
  3. Mats start at the base, not the top, of the hair. While your dog looks matt-free, hold your fingers on the nape of the hair to check for tangles and growls. Catching a potential mat before this happens will make removal a lot easier.
  4. Research your breed’s specific needs for proper grooming. Depending on your breed, the coat or hair may require different practices to stay healthy and alive.

3. Vanessa Hoyt, Groomer Girls Pet Salon, Lawrenceville, Georgia. Facebook.com/groomergirlspetsalon

  1. Always work on small sections, from the ends of your hair to your skin.
  2. Always use a good conditioner. Demating can lead to serious harm even if done correctly.
  3. Always use cooler warm water as a quick rinse as the last thing you do in the tub. This helps seal the hair shafts. Warmer water leaves them open, making hair prone to breakage and damage. Broken and damaged hair tangles faster.
  4. Always use a finishing conditioning spray.

Top photo: © Tierfotoagentur | Alamy Stock Photo.

Originally published March 27, 2018.

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