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Maralynn

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About Maralynn

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  1. Maralynn

    Go with Insurance?

    Hey Liz - from both a clinic and a client perspective, how does the direct pay work? I know that I always have to leave at least half of the estimate up front with referral hospitals. Does Trupanion do that? Or is the guarantee of funds due to insurance enough? In personal news, I’m about to make my 3rd major ($3,800 this time) claim with Embrace in 14 months. I expect no issues and a fairly prompt payment as they already have covered Kenzi for other issues. Her previous surgery was in my last policy year so the $10k annual limit and $800 annual deductible has reset sine her last surgery. Claims are usually approved within a week and I have a check within 2. They also do direct deposit for faster, simpler payments. I take pictures of the documents with my phone and upload directly to the website.
  2. Maralynn

    Go with Insurance?

    My 3 dogs cost me a just over $900 for the year. Kenzi (9.5 at the time) was just over $400. Tess and Kolt (1 and 4) split the remainder pretty evenly. I have an $800 flat deductible per year for each dog. After that the accident/injury/illness is 90% covered up to $10,000/dog. I would go higher if I was doing it again but that was the cap Embrace had when I enrolled Kolt and Kenzi and I had a mental hiccup and didn’t request a higher bracket when I enrolled Tess...
  3. Maralynn

    Go with Insurance?

    Tess broke/displaced her leg doing a crazy puppy jump in the yard. On a weekend. And the surgeon at the local emergency vet was out of town so she ended up at the state vet school for 3 days for pain control during the weekend and then surgery. And Kenzi’s issues are likely due to genetics - she’s been an active BC but nothing that much different than my other dogs. So just freak luck of the draw stuff. Tess’s broken leg came about 6 months after Kenzi’s first surgery and I definitely would have emptied my emergency savings and have been paying off credit cards still... Another SAR friend had her dog break a kneecap and rupture a tendon hitting it just right on a step at home. FWIW, some insurance doesn’t cover sporting or working injury. So do look into that if it would be reason for insurance. Trupanion definitely will cover many sport and working dogs. Embrace will cover some as well if it’s declared at the time you purchase the policy. With my dogs, I’ve opted for a high deductible plan ($800/Dog) which comes with more reasonable monthly payments. I have it if something major happens but still plan on paying for more minor things out of pocket. I bought it specifically because i knew if something like this past year happened, I wouldn’t be able to afford it. If I just had a single dog or a higher income I might have passed. But with multiple dogs and my current income it was the best solution for me. This is a good site for comparing several plans https://www.pet-insurance-university.com/
  4. Maralynn

    Go with Insurance?

    Speaking as someone who is looking at the strong possibility of a third major ortho surgery for their dogs in 14 months involving 2 different dogs, I’m *really* happy that I started buying insurance 4 years ago... I had over $8k in vet bills last year with the two surgeries and follow up care. I was reimbursed a little over $6k. Before that? I had mostly manageable expenses for about 15 years of dog ownership. So theoretically in a perfect world probably could have had most the money saved up. But if I had an emergency account these days I’d want to get it to at least $5k and have an empty credit card to boot.
  5. Maralynn

    Borador?

    Shedding will likely be significant. And I agree thy the smooths seem to shed more than the rough coated dog. re: the mix. I knew one that was a SAR dog and she was sweet and quite nutty. She was surrendered to rescue at 10 w/o because she barked non stop and wouldn’t settle. It was the pushy in your face lab with the intensity of a BC...
  6. Maralynn

    What the Vet said?

    My 4 y/o intact male has about the sweetest personality ever. He’s friendly or neutral to other dogs he meets. He’s a bit excitable with a bitch in heat around (duh!) but can still work and not loose his brain. He’s well mannered and, except for some occasional urine licking/chattering you wouldn’t guess that he was intact by his behavior.
  7. Maralynn

    Adequan injections?

    I, too, have yet to find specific evidence. But the vet I went to has worked in rehab exclusively for about 8 years and is now working on her board certification in rehabilitation. So I took that as a pretty educated opinion and advice.
  8. Maralynn

    Adequan injections?

    Yes - according to the rehab vet that I took Tess to. Chondroprotec
  9. Maralynn

    Adequan injections?

    The instructions on Adequan are to give one series of injections - biweekly injections for up to 4 weeks. The monthly maintenance injections are an off label use that vets routinely recommend. Also, ask your vet about Chondroprotect (sp?) It’s a generic form that a rehab veterinarian recommended to me for my dogs
  10. Maralynn

    Frog sniffer dogs

    I’m just noticing this now. A SAR friend and I have talked about wanting getting involved in detection research on an academic level. We love the science aspect of detection and would love to be more involved with research in it. Do you think that your acquaintance would be willing to chat with us sometime?
  11. Maralynn

    HSF4 gene mutation in Border Collies

    Thanks Mark!
  12. Maralynn

    HSF4 gene mutation in Border Collies

    I'm seeing original research on the gene mutation for a few breeds (looking through PubMed). But I also know of a purebred Border Collie who recently identified as a carrier (through an Embark test I believe). I had never heard of it before in the breed (or of hereditary cataracts being an issue) so I was curious if there was any information out there that I was missing/couldn't find. Or it's possibly a false positive or a benign non issue that's just being brought up because it can be...
  13. Does anyone have information about the HSF4 gene in Border Collies? I know that it is thought to affect Aussies and cause hereditary cataracts (sometimes juvenile) But I’m reading conflicting reports about it in a couple other breeds. So I’m wondering if anyone knows of any breed specific info relating to Border Collies?
  14. Maralynn

    Old dog, dirty ear

    I second the Zymox. Used it with a cat with horrid ears and it helped a lot! Also cotton pads for makeup might be easier to use than q-tips for the ears
  15. Maralynn

    Biathlon fun

    Thanks Jovi - he was in his groove after he got over the fact that he thought I was nuts! And Im convinced that the ideal dog size for this is over 30# but under 45# - big enough to do almost everything independently but small enough to assist at the one or two places it was needed!! And theyre big enough to help pull you along a bit
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