One of the great differentiators between the online and real world is the simplicity with which you can venture between cultures and ideas, without ever leaving the comfort and security of your own home. I’ve traveled to Israel, Scotland, Italy, Spain and even most of the USA via the bits and bytes of the electronic highways.
One of the people that I have met on my travels came to mind recently – he owns the site PetInsurance.TV. Despite the valuable key-word heavy domain, he’s not a big shot Internet millionaire, he’s not even an insurance company representative. He’s a normal guy who has come to value everything that pet insurance can do. This gentleman – we’ll call him “Bob” – is from England and has set up PetInsurance.TV as a personal site offering information and some articles about pets and, of course, insurance. Bob is not in it for the money: he’s just a man that loves animals – especially his lab – and believes in the insurance policy he has. If you do choose to buy insurance I’m sure he’d love you to click on one of his links though to help fund his yearly renewals and hosting costs.
I will point out that:
I’m not here to sell you on the idea of insuring your pet – it can be expensive.
I’m not here to sell you on the ideas of having a pet – it is MORE expensive.
I’m here to tell you a story.
I’m here to make you think about insurance.
This is DJ

DJ - The Best Male Scottish Terrier the World Has Known
This is Dandy

Dandy - The Craziest Female Scottish Terrier the World Has Ever Known
Those are two adorable pictures of Scottish Terriers. They are NOT Schnauzers. They are NOT West Highland Terriers. They would be offended to be seen as anything less than the terrier that embodies the spirit of Scotland!
They are our two dogs and I love them dearly. They say that dogs are a man’s best friend. Well, in this case, they really are our best friends.
About the Scottish Terrier
Anyone who tries to summarize the personality of a Scottish Terrier in a few words (stubborn, smart, not lap dogs, stoic) should meet these two. Their personalities are as different as their colors – as different as night and day, or more accurately, brindle and wheaten. I have been told that DJ is my dog personality! He’s stubborn, smart, not a lap dog, can be calm but will occasionally let out a “pissed off growl”. Dandy is different! She’s excitable, a goofball, lap dog, and a bundle of energy who loves attention. If you call Dandy? Dandy runs over and DJ waits patiently for his turn for attention. . If you call DJ? Dandy runs over and DJ waits patiently for his turn for attention!
Luckily the two of them like each other and both enjoy just hanging out.
If you are interested to know more about Scottish Terriers you can find information at Scottish Terrier Club of America and Scottish Terrier Club of Tampa Bay. Scotties are great dogs and each one has different personality so don’t listen to anyone who tries to readily categorize them all into one simple definition. There are distinct features that are common to the breed but each member of the breed is different and unique. It seems to be a common trait that Scotties are very owner attached and protective, love mostly from afar, and are extremely reactive and responsive to their treatment. Be positive! They aren’t for those who want to be showered with affection or have a dog that does everything that’s asked unquestioningly; that is not to say that they can’t be affectionate and do as they are told.
After visiting PetInsurance.TV, I started thinking about whether or not it would be a decent investment to have insurance. I have thought about it numerous times before – the price was always prohibitively expensive for the benefits offered. The plans all started at over $40 a month (for one dog) and the list of exclusions was always far higher than the actual benefits. It does appear that times are changing. Part of me wonders if the sea change in property and human insurance have made the pet market a more desirable space for companies to play in but the prices have been decreasing and the number of exclusions has been steadily declining.
The Back Yard
A couple of weeks ago I let DJ and Dandy out in the back yard.
DJ was his usual self. He carries a hefty load for a Scottie (he’s not overweight, just big) and every step he takes sends lizards scurrying in all directions as if he were the epicenter of a giant earthquake. He raises his tail, he lifts his front paws like a bucking stallion and then swan dives with the grace of a belly-flopping elephant crashing into the grass plants in the hopes of finding the laziest (or bravest) lizard that ever was. It’s fun to watch – he can do it for hours catching nothing and achieving only the destruction of some vegetative habitat.
Then we have Dandy. As mentioned, she’s the anti-DJ and you have to watch her like a hawk. She follows DJ, the dog-zilla of the yard, and as the small lizards dash and dive for cover she will spot the weak and take off and like lightning be on their tail. Literally. Sometimes she does miss but then sometimes she destroys a small reptilian families day – tailless, dizzy, and maimed a barely conscious creature will lie waiting for the nearest bird to put it out of its misery. It is true that a lizard tail continues to move after being detached!
About a month or so ago, during what seemed like the fairly healthy activity of lizard chasing in the garden (to the animal lovers reading – I don’t encourage violence towards fellow creatures but I am powerless to stop the primal urge of dogs) I noticed Dandy was chewing something. I quickly grabbed her and removed the offending crunchy item and discarded it. I let her go and everything was normal – she ran over to the rocks, tail wagging, looking for the next prey. She jumped into the tree as a lizard climbed frantically out of reach. It was then that I noticed she was limping as she walked towards me. “Great,” I though, “she stepped in something”. No doubt it’s more grass seed, sticky plant pods, sand spurs, or some other similar annoyance of nature that I will have to coax out of her fur on an almost daily basis. I picked her up and took a look. Nothing.
I put her back and expected her to run over to the army of lizards that DJ had dispersed with his thunderous steps….. but she just looked at me.
She took a couple of steps and looked awkward. Maybe I missed something?
I picked her up again. Nothing.
Then everything changed.
Her heart was beating at a million miles per hour. Her eyes looked distressed. She was looking at me and she was telling me that something was wrong. He legs stiffened. She gagged. She fought me holding her – a normal reaction to being picked up when she wasn’t ready – but her eyes weren’t fighting me, her eyes were asking for help. I put her down and she couldn’t walk. She coughed. She hacked. She took half a step. She was shaking.
At this point I panicked. I called my wife at work – less than calm. Not helpful to her – it succeeded in only creating two panicked people! Time to go to the Emergency Room. I didn’t want to lose Dandy and I had no idea what was going on. I knew what she chewed wasn’t a toad but I didn’t know what it was. Maybe that did it? Maybe it was a dead animal? Maybe it was a rat? Maybe that rat had eaten poison? Maybe it was amdro? Who knows what she got into….
I collected DJ and took him inside and went back to get Dandy – she was shaking, lollygagging and the look she had was one I’ve never seen in her.
She was scared…and..So was I.
This little brave dog that runs with reckless abandon than turns away from nothing? This dog was scared? She was helpless. I threw her into her crate, put her in my car and drove to the emergency room. She scrapped and fought and flipped her crate in the back. She was not doing well*
Five minutes later I get to the Victoria Park Animal Hospital and she was fine. She walked without pain, moved without issue. I sat down in the waiting room and discussed with the staff would I should do.
“Just keep an eye on her and make sure nothing happens.”
The technicians, sensing my panic, ask if they need to call the Dr who is out of the office. They suggest it might be worth a check-up.
They get Dandy a bowl of water. She drinks a little. She’s recovered! The overwhelming sense of panic subsides and I take her outside. On a six-foot lead and just a few minutes after recovering from a fit she spots a lizard… dive-bomb! She’s back to normal!
I go back to the vet and tell them that I think she’s ok but that I would like to sit there for a few minutes to get myself back to a normal calm state. Dandy walks over to me….. then she starts swaying her head side to side…. she falls over on the floor and starts to have minor convulsions again: neurological symptoms. It could be a toxin. Back to being scared. I stroke her to try and let her know we’re here and that everything will be ok.
“Yes, I’ll sign,” I put ink to paper on whatever they have put in front of me to initiate tests.
“Blood work?” Sure.
Doctor Birken of the Victoria Park Animal Hospital abandoned an eye appointment and returned to treat Dandy – we weren’t even regular patients! I thought Animal Hospital was an emergency room! Fortunately, it was a great Veterinarian office: I was really impressed with the staff and the Doctor who, it was clear, put the well being of the spitfire personality of Dandy before her own eyes!
The technicians started the blood work while the Dr was returning from her aborted appointment.
Nothing too unusual. She’s dehydrated.
Great! Had I really just opened up a check book for the most expensive dehydration diagnosis ever?
No, I don’t think so. Just luck that the level of toxicity was low. Dandy had very red gums that were slightly swollen – a sign of some toxic effect – but a ten minute mouthwash, some IV fluids with electrolytes and some TLC were all that seemed to be required. We were lucky.
Ten minutes later she came out of the back offices and looked none the worse for wear. Then she collapsed from four legs to flat on the ground legs splayed like she was being quartered. The Dr and tech looked at me nervously….
“No,” I said, “that’s always how she rests”.
An amusing end to a stressful afternoon!
As I was paying the hefty bill I thought about Bob and his PetInsurance.TV site and I asked if this would have been covered by pet insurance.
“Probably all of it”.
So there you have it. Pet insurance can save you significant emergency expenses for the price of a fixed monthly payment. It’s worth considering.
To be fair to the Animal Hospital, the bill was extremely reasonable for an emergency vet visit and treatment – especially with a canceled appointment – just hefty in terms of unexpected emergency fund cost.
Overall, I’m lucky enough to have two healthy, happy dogs and have yet to find a plan that meets a cost-benefit ratio that I think makes insurance worthwhile but I’ll probably continue to look as the prices carry on decreasing and the benefits keep on being added. I’m going to check again because my dogs have teeth that are almost impossible to clean properly and a dental visit for dogs is not cheap.
Pet Insurance might not be the answer all the time but I think it’s worth asking the question? Why not visit PetInsurance.TV and see what “Bob” has to say?
If you’re looking for a vet in the Fort Lauderdale area? I would certainly recommend the Victoria Park Animal Hospital – in addition to the normal vet features they actually have implemented a nice pet portal which lets you keep track of your pet’s treatment. The staff were very helpful and considerate and they even did an e-mail follow up to make sure Dandy had improved.
At the time of writing, both Dandy and DJ are doing fine ! Sleeping near me, probably dreaming of rainbows and carrots.
*Always travel with your pets in a crate. It is safer for them and it is safer for you. An emergency stop can kill an uncrated animal.
**Always keep an eye on your dogs when outside. This happened DESPITE me keeping an eye on them.
***This post may be freely copied/quoted by PetInsurance.tv or the AnimalHospitalVictoriaPark.com