1 00:00:02,240 --> 00:00:05,559 Speaker 1: This is pet Life Radio. Let's talk pets. 2 00:00:22,719 --> 00:00:25,559 Speaker 2: And we are live here on cut Life Radios. 3 00:00:25,559 --> 00:00:28,199 Speaker 1: Ask the best, talking to death here every Sunday morning 4 00:00:28,239 --> 00:00:30,559 at nine in the West and also live on Instagram 5 00:00:30,960 --> 00:00:34,520 and saying hello to We have a request already, so 6 00:00:34,920 --> 00:00:38,000 we have to make sure that that is legit, because 7 00:00:38,000 --> 00:00:39,759 sometimes people hit the wrong button. They want to just 8 00:00:39,880 --> 00:00:42,479 join on the show and they hit request and when 9 00:00:42,560 --> 00:00:45,799 I accept, they're not there. So if this is real, 10 00:00:45,840 --> 00:00:47,840 if you really want to request on the show, then 11 00:00:48,159 --> 00:00:50,280 please yeah, just give me a thumbs up or something, 12 00:00:50,399 --> 00:00:52,359 or tell me yep, this is real and we will 13 00:00:52,359 --> 00:00:54,840 have you come on. So anyway, as you know, the drill, 14 00:00:54,920 --> 00:00:56,560 here for you, here for your pets. Anything you want 15 00:00:56,600 --> 00:00:58,920 to talk about, now is the time to ask. I 16 00:00:58,960 --> 00:01:01,520 had a very crazy every time I go away, and 17 00:01:01,560 --> 00:01:04,599 I was at a conference last week, and it happens 18 00:01:04,599 --> 00:01:07,319 all the time. Whenever I'm away and I come back, 19 00:01:07,359 --> 00:01:08,840 people think, oh god, it's great, you had a couple 20 00:01:08,879 --> 00:01:10,239 of days off. We're good for you. I said, no, 21 00:01:10,560 --> 00:01:13,640 it's not good for me. What happens is that I 22 00:01:13,680 --> 00:01:15,680 have the same number of people that are going to 23 00:01:15,719 --> 00:01:19,239 come to see me, but instead of putting into five days. 24 00:01:19,439 --> 00:01:22,359 It's now down to three days, and trust me, do 25 00:01:22,480 --> 00:01:24,359 I know it? And my clients know and I pity 26 00:01:24,400 --> 00:01:27,319 them because they they will just they wait and look. 27 00:01:27,519 --> 00:01:29,879 I'm thrilled that those who come to see me are 28 00:01:29,920 --> 00:01:32,200 okay with waiting. They're not okay with it, they deal 29 00:01:32,239 --> 00:01:34,959 with it. But you know, I always say that I 30 00:01:35,000 --> 00:01:38,120 don't think that people would be waiting an hour or 31 00:01:38,120 --> 00:01:40,560 whatever it is to see me if I was that bad. 32 00:01:41,000 --> 00:01:44,040 So the good news is that trust factor is there. 33 00:01:44,280 --> 00:01:46,359 Book makes me great and I'm very happy because I 34 00:01:46,400 --> 00:01:49,280 love seeing them. I love seeing their pets and interesting 35 00:01:49,519 --> 00:01:52,120 what I see all the time is that I think, 36 00:01:52,200 --> 00:01:54,400 I don't know, this is just me or I'm sure 37 00:01:54,719 --> 00:01:56,920 they could be like this with other veterinarians also. But 38 00:01:57,159 --> 00:02:00,680 the pets really like coming in, people tell me. As 39 00:02:00,719 --> 00:02:03,159 soon as they pull into the parking lot. The dogs 40 00:02:03,200 --> 00:02:05,560 are getting excited and the cats that are typically are 41 00:02:05,560 --> 00:02:08,199 really tough. The lady came in it was two weeks 42 00:02:08,199 --> 00:02:10,800 ago with the cat. She warned me that you cannot 43 00:02:11,000 --> 00:02:13,960 clip this cat's toenails. The groomers can't do it, she 44 00:02:14,000 --> 00:02:17,879 can't do it at home. And this sweet looking calm 45 00:02:18,000 --> 00:02:22,719 cat turns into a monster so anyway, I said, okay, 46 00:02:22,759 --> 00:02:24,759 look we'll try it. We'll give it a go. So, 47 00:02:25,039 --> 00:02:26,680 you know, I picked this kiddy up in my arms 48 00:02:26,840 --> 00:02:28,680 and I'm sitting and I'm kind of petting him and 49 00:02:28,919 --> 00:02:31,560 off the table. You know, sometimes that table is the 50 00:02:31,639 --> 00:02:33,759 clue that says, okay, this is not going to be good. 51 00:02:33,960 --> 00:02:36,240 So they already know that. So I get the cat 52 00:02:36,280 --> 00:02:38,479 away from the table in my arms. I just first 53 00:02:38,520 --> 00:02:40,280 of what I'm talking to I'm kind of like touching 54 00:02:40,639 --> 00:02:42,719 his feet and you know, touching his toes a little bit. 55 00:02:43,000 --> 00:02:44,599 And then I pull out the clipper and don't make 56 00:02:44,599 --> 00:02:45,840 it a big deal about it, and I start just 57 00:02:45,840 --> 00:02:48,719 trimming his nails. This cat. Actually I had someone to 58 00:02:48,759 --> 00:02:50,560 take a video because when we also had to do 59 00:02:50,599 --> 00:02:52,199 some other things so them we had to clean his ears, 60 00:02:52,360 --> 00:02:54,960 so he had him in the back and so when 61 00:02:55,000 --> 00:02:58,199 I started clipping the toenails, I know the owner would 62 00:02:58,199 --> 00:03:00,759 probably not believe that we were able to do this 63 00:03:00,879 --> 00:03:05,080 with incident, without struggling. It was just there. So of 64 00:03:05,120 --> 00:03:08,280 course I went ahead and I pulled out my clippers, 65 00:03:08,280 --> 00:03:10,800 and I said to one of my technicians to go ahead, 66 00:03:11,159 --> 00:03:16,000 and let's go ahead, and I want to basically do 67 00:03:16,120 --> 00:03:19,960 this where I could show the owner how sweet and 68 00:03:20,039 --> 00:03:23,599 I mean sweet this cat was, and sure she couldn't 69 00:03:23,599 --> 00:03:26,199 believe it. So I think I would say this. I 70 00:03:26,240 --> 00:03:28,919 think animals can read us better than we can read them. 71 00:03:29,199 --> 00:03:31,800 So it's amazing that we get this all the time. 72 00:03:32,280 --> 00:03:35,000 All right. Question coming in from Shannon Corsey. Hi, I 73 00:03:35,039 --> 00:03:37,680 was fostering a senior with pneumonia in large heart. Well, 74 00:03:37,719 --> 00:03:40,400 that doesn't sound good already, and on plural fusion. Had 75 00:03:40,479 --> 00:03:43,280 him on doxy cloudmox spatrils, he'd be improving. He goes 76 00:03:43,319 --> 00:03:45,400 to the vet and they put him down. WHOA, Well, 77 00:03:45,800 --> 00:03:48,319 that's weird. Do they put him down? Did they talk 78 00:03:48,360 --> 00:03:51,000 to about it? Okay? There are a number of ways 79 00:03:51,039 --> 00:03:54,039 to when I face with an animal like this, those 80 00:03:54,080 --> 00:03:56,000 of us, or I would say us, because it's not me. 81 00:03:56,280 --> 00:04:00,759 Those veterinarians are testing the test results, testing the they're 82 00:04:00,759 --> 00:04:04,080 making decisions based on that, which you know as far 83 00:04:04,080 --> 00:04:06,560 as guiding us what might be the next move, what 84 00:04:06,719 --> 00:04:08,560 to talk to the owner about, as far as what 85 00:04:08,639 --> 00:04:11,800 to expect. But I am not gonna put a cat 86 00:04:11,919 --> 00:04:16,000 down right or a dog anything that if they're doing okay, 87 00:04:16,360 --> 00:04:18,360 right right there, when you say had him on doxy 88 00:04:18,480 --> 00:04:22,040 clap patrol, lots of different antibotics, seem to be improving. 89 00:04:22,319 --> 00:04:24,040 He goes to the vet and they put him down. Well, 90 00:04:24,079 --> 00:04:27,040 if he was improving, maybe you're onto something. Of course, 91 00:04:27,040 --> 00:04:30,040 it's a bad prognosis when you have this pneumonia and 92 00:04:30,160 --> 00:04:33,079 large heart plural effusion. There is failure going on, There's 93 00:04:33,079 --> 00:04:35,519 no doubt about it. But I wouldn't make a decision 94 00:04:35,800 --> 00:04:40,240 to euthanize based on those tests and based on the diagnosis. 95 00:04:40,600 --> 00:04:43,319 Clinically look and see how the pet is doing. If 96 00:04:43,319 --> 00:04:45,560 the pet is miserable and not doing well, which it 97 00:04:45,560 --> 00:04:48,120 wouldn't surprise me with all those things, and he's suffering, 98 00:04:48,360 --> 00:04:51,240 or he's not eating, or he's no longer living. He's 99 00:04:51,240 --> 00:04:53,800 existing but he's not really living, and they make a decision, 100 00:04:53,800 --> 00:04:56,639 a tough decision to say goodbye, then yeah, I'm supportive 101 00:04:56,680 --> 00:04:58,480 of that. But if the pet is doing a little 102 00:04:58,480 --> 00:05:02,519 better and not struggling, is eating, so I don't know 103 00:05:02,680 --> 00:05:04,959 more of the facts of the case, but I would 104 00:05:05,000 --> 00:05:07,480 not make a decision of I mean, that's a no 105 00:05:07,639 --> 00:05:10,759 turnback decision. So you know, with the effusion, I don't 106 00:05:10,759 --> 00:05:12,720 know if they had them on some lay six also 107 00:05:13,000 --> 00:05:16,199 some medication you get diffusion. Did they drain the chest. 108 00:05:16,279 --> 00:05:20,680 I've had animals coming in that we had to drain 109 00:05:20,839 --> 00:05:24,040 the abumen or drain the chest once every few weeks. 110 00:05:24,360 --> 00:05:27,519 But once the cat or the pet was drained, they 111 00:05:27,560 --> 00:05:31,160 did so much better. So if it's okay with an owner, 112 00:05:31,199 --> 00:05:33,920 you say, look, we may have a give lucidation. The 113 00:05:33,920 --> 00:05:35,720 first time I would do is let's try it. It's 114 00:05:35,720 --> 00:05:38,120 worth the trying. If everything else is good. Pet's still 115 00:05:38,120 --> 00:05:40,720 eating and seems to be okay, and there is a 116 00:05:40,800 --> 00:05:43,600 fusion which is just fluid build up. Plural effusion is 117 00:05:43,639 --> 00:05:46,759 in the chest okay, and there's what it's called pericarda, 118 00:05:46,839 --> 00:05:49,399 the fusion where that's a sack around the heart, okay. 119 00:05:49,759 --> 00:05:52,720 And then you can have a fusion in the abdumen 120 00:05:53,040 --> 00:05:55,879 all right, that's called the sights. So we don't know 121 00:05:55,959 --> 00:05:58,399 always what the causes are. In the case of the 122 00:05:58,439 --> 00:06:01,439 bad heart, I would say that's probably contributing to it, 123 00:06:01,639 --> 00:06:03,560 and then maybe the other organs. I mean, I don't 124 00:06:03,560 --> 00:06:05,600 know what the blood tests looked like, but I don't 125 00:06:05,639 --> 00:06:08,720 like to make a decision just based on all these tests. 126 00:06:08,759 --> 00:06:10,879 I kind of wonder how the pet is feeling, how 127 00:06:10,879 --> 00:06:13,160 the pet is doing, and if they are still hanging 128 00:06:13,199 --> 00:06:16,319 in there, and with an attempt to try to make 129 00:06:16,360 --> 00:06:18,959 things better, you start a treatment and they are starting 130 00:06:18,959 --> 00:06:22,480 to improve, then I would have gone in and say, look, 131 00:06:22,480 --> 00:06:24,120 we seem like we're doing a little better. Let's give 132 00:06:24,120 --> 00:06:26,480 it another week or two. Let's see what happens. So 133 00:06:26,759 --> 00:06:29,680 a bit surprised. So he was drowning in fluids. Okay, 134 00:06:29,680 --> 00:06:32,279 well if that's the case, But then again, he couldn't 135 00:06:32,279 --> 00:06:35,399 have been. When you say improving. Was his breathing getting better? 136 00:06:35,800 --> 00:06:38,000 I mean, there are other medications that one can do 137 00:06:38,480 --> 00:06:41,879 to decrease the fluid build up, and so if he 138 00:06:41,959 --> 00:06:44,959 was wheezing and struggling to breathe that one hundred percent 139 00:06:45,160 --> 00:06:47,519 it's time, because that's that's a terrible way to go. 140 00:06:47,959 --> 00:06:51,079 But if he was improving, how were we rating this 141 00:06:51,160 --> 00:06:54,240 quote unquote improvement? Was he eating better? Was he breathing better? 142 00:06:54,360 --> 00:06:56,560 Was he a little more animated? If that was going on, 143 00:06:56,720 --> 00:06:58,600 then I would have, you know, possibly wait a little bit, 144 00:06:58,680 --> 00:07:01,720 or maybe added something to absorb some of the fluids 145 00:07:01,720 --> 00:07:05,000 in the chest, little lasix or something. So there may 146 00:07:05,000 --> 00:07:07,720 have been things to do. But if he was truly 147 00:07:08,040 --> 00:07:11,160 drowning in his own fluids in the chest. Then that 148 00:07:11,199 --> 00:07:15,639 means he probably was suffering. Okay, hey, Steph, how are you? Thursday? 149 00:07:15,800 --> 00:07:18,319 Back to Mexico. We're going to Paderbay, Arcta this time. 150 00:07:18,519 --> 00:07:21,399 So I just say, added Georgean and Walter, Okay, I'm 151 00:07:21,399 --> 00:07:23,519 so broken to see the doing better. He was eating walking, 152 00:07:23,720 --> 00:07:25,160 That says a tough You know, these are the ones 153 00:07:25,199 --> 00:07:27,560 without me seeing the X rays, seeing the cat I 154 00:07:27,639 --> 00:07:30,199 don't know, or the pat Do you ever say it 155 00:07:30,240 --> 00:07:34,000 was a cat or a dog or just a senior 156 00:07:34,040 --> 00:07:36,040 whatever it was. If he was doing a little better, 157 00:07:36,240 --> 00:07:38,240 did they talk to you first? Did you tell them 158 00:07:38,279 --> 00:07:41,199 that he was seemed to be doing better, he was eating, walking, 159 00:07:41,759 --> 00:07:45,680 that's good. And again, if as always they're not suffering, 160 00:07:45,959 --> 00:07:49,920 if he was struggling to breathe, like there is time, 161 00:07:50,079 --> 00:07:53,759 because that's a terrible think about someone who's claustrophobic. That's 162 00:07:53,800 --> 00:07:56,199 the feeling that animals get when they can't breathe. They 163 00:07:56,199 --> 00:07:58,439 start freaking out, and then they try to breathe even 164 00:07:58,480 --> 00:08:00,639 harder because they think the problem is there's not getting 165 00:08:00,680 --> 00:08:02,560 enough oxygen. Has nothing to do with how hard the breathing, 166 00:08:02,600 --> 00:08:05,120 has to do with the ability to absorb the oxygen. 167 00:08:05,160 --> 00:08:07,839 Because the lungs aren't working well period. So that's a 168 00:08:07,879 --> 00:08:10,720 tough call. All right, Teddy has a large black dark 169 00:08:10,759 --> 00:08:14,680 spot and it's underside near his what well here, If 170 00:08:14,680 --> 00:08:17,680 it's raised, okay, and you can feel it and it's 171 00:08:17,680 --> 00:08:20,879 itchy and it's crusty, then something we need to see. 172 00:08:21,079 --> 00:08:24,199 If it's just flat and even it could be just pigment, 173 00:08:24,519 --> 00:08:27,560 which you could do, is you my cell is take 174 00:08:27,600 --> 00:08:29,759 a picture and let me see what the picture looks like. 175 00:08:29,839 --> 00:08:31,160 Let me see what it looks what I want to 176 00:08:31,160 --> 00:08:33,519 always and this this is what one way you can tell. 177 00:08:33,759 --> 00:08:37,639 Don't always look. Sometimes feel it. If you're petting him 178 00:08:37,879 --> 00:08:40,279 and you're not looking at it and you you don't 179 00:08:40,320 --> 00:08:43,960 feel the area that is dark being its black spot, 180 00:08:44,320 --> 00:08:47,600 that means it's not raised, it's not sticking three dimensional, 181 00:08:47,759 --> 00:08:50,919 it's it's flush with the skin, and it's not crusty, 182 00:08:51,120 --> 00:08:54,519 and it's not itchy, it's just there, then I think 183 00:08:54,759 --> 00:08:58,240 just a pigment change. If it is itchy, if is 184 00:08:58,639 --> 00:09:01,679 raised meaning you can actually three dimensionally feel it, it's 185 00:09:01,720 --> 00:09:04,360 not the same level with the rest of the skin, 186 00:09:04,919 --> 00:09:08,639 or it's crusty or oozing or has scabs on it, whatever, 187 00:09:08,759 --> 00:09:10,919 then is something we need to see, So send me 188 00:09:10,919 --> 00:09:15,159 a picture. Okay, all right, Dyl how are you no bleeding, 189 00:09:15,159 --> 00:09:17,519 no dirt? So again, take a picture. What you're gonna 190 00:09:17,519 --> 00:09:19,679 do is as I said, feel it. If you feel it, 191 00:09:19,840 --> 00:09:21,360 then it is something we should see. If you don't 192 00:09:21,399 --> 00:09:22,879 even feel it, you just see it, but you're not 193 00:09:22,919 --> 00:09:25,000 feeling it, it doesn't feel any different than the skin 194 00:09:25,039 --> 00:09:28,759 around it, then chances are not a big deal. Jennis, Hello, Yeah, 195 00:09:28,799 --> 00:09:31,679 If he was colling to breathe, then I think yeah, 196 00:09:31,679 --> 00:09:33,720 oh yeah, yeah. I mean the fact that they did 197 00:09:33,720 --> 00:09:35,879 it without letting you know this is what they needed 198 00:09:35,879 --> 00:09:39,279 to do, that concerns me a lot of it. So 199 00:09:39,679 --> 00:09:41,600 what caused diabetes for cats? And what are the signs 200 00:09:41,600 --> 00:09:45,480 are what to avoid so diabetes? So generally in cats 201 00:09:45,720 --> 00:09:47,559 they get type two diabetes, which the same thing as 202 00:09:47,559 --> 00:09:50,480 adult don't set diabetes usually associated with obesity, as it 203 00:09:50,519 --> 00:09:54,039 is in cats. So dogs, regardless of age, they usually 204 00:09:54,080 --> 00:09:56,879 get type one diabetes, which is like the equivalent of 205 00:09:56,879 --> 00:10:01,960 our juvenile diabetes, which means insulin diabetes. They need insulin. 206 00:10:02,080 --> 00:10:05,200 Their islet cells called islets of layer hands cells of 207 00:10:05,279 --> 00:10:08,120 the pancreas are no longer functioning, secreting their own insulin 208 00:10:08,480 --> 00:10:12,159 therefore we have to give insulin externally. That's type one. 209 00:10:12,279 --> 00:10:15,639 Type two maybe non insulin dependent, meaning their kind of 210 00:10:15,639 --> 00:10:18,120 adjustments can be made in diet. Maybe it's giving an 211 00:10:18,120 --> 00:10:20,159 insulin a little bit at first, and then you can 212 00:10:20,279 --> 00:10:23,600 use a supplement that might help destroy some of the 213 00:10:23,720 --> 00:10:27,480 excess glucose that is in the blood. But it's not 214 00:10:27,879 --> 00:10:31,759 always insulin dependent. But in cats that's what they usually 215 00:10:31,759 --> 00:10:34,679 get and is often associated with obesity. So if you 216 00:10:34,799 --> 00:10:38,399 have a cat like one of mine that is overweight, 217 00:10:39,080 --> 00:10:42,200 you need to do your best to try to reduce 218 00:10:42,759 --> 00:10:47,679 that caloric load and so ultimately to help prevent this 219 00:10:47,799 --> 00:10:51,360 type two diabetes. But other than that, the signs are 220 00:10:51,679 --> 00:10:54,279 typically a lot of water drinking, a lot of peeing, 221 00:10:54,759 --> 00:10:57,600 and when you sometimes a lot of eating, which for 222 00:10:57,720 --> 00:10:59,559 cat that's up ofweight, it's not such a good thing. 223 00:11:00,080 --> 00:11:01,879 You take them into the vet for a blood test 224 00:11:02,000 --> 00:11:05,720 and that blood sugar is very very high, that urine 225 00:11:05,759 --> 00:11:08,360 sugar very high, and that's a clue that we might 226 00:11:08,440 --> 00:11:11,399 have a diabetic and of course we treat them with 227 00:11:11,519 --> 00:11:13,799 insulin the same way. But if it is a cat, 228 00:11:13,879 --> 00:11:17,159 there might be waste is ease off the insulin modify diet, 229 00:11:17,320 --> 00:11:19,759 get them to lose weight and you might be able 230 00:11:19,799 --> 00:11:23,600 to treat these without shots daily. Okay, Now the little 231 00:11:23,600 --> 00:11:25,159 girl has a sensitive ear. When I take it to 232 00:11:25,200 --> 00:11:27,240 the vet, have a check, there's no infection. But when 233 00:11:27,240 --> 00:11:29,480 you touch the ear sometimes shit yell, but not okay, 234 00:11:29,519 --> 00:11:32,720 so this could be an allergy. So if the ear 235 00:11:32,840 --> 00:11:35,639 flap called a pinna, seems to be very red and inflame, 236 00:11:36,200 --> 00:11:39,200 that might be a clue. And then other thing you 237 00:11:39,200 --> 00:11:41,879 get to know is that sometimes you can clean in 238 00:11:41,960 --> 00:11:44,879 ear and it looks you're not getting debris out, but 239 00:11:45,080 --> 00:11:47,519 there might be something like a polyp or something going 240 00:11:47,519 --> 00:11:49,879 on down in the ear. Sometimes we have to sedate 241 00:11:49,919 --> 00:11:53,039 these animals. Go down with the scope and take really 242 00:11:53,080 --> 00:11:56,120 a thorough inspection of the entire canal all the way 243 00:11:56,159 --> 00:11:58,960 down to the timpatum, which is the ear drum, and 244 00:11:59,159 --> 00:12:01,440 make sure that so all the timp patent is intact. 245 00:12:01,840 --> 00:12:04,519 Sometimes it's not an that can cause some itching. Make 246 00:12:04,559 --> 00:12:06,679 sure there is not a polyp or a growth, or 247 00:12:06,679 --> 00:12:09,000 sometimes there could be like a piece of something like 248 00:12:09,000 --> 00:12:12,399 a foreign body stuck in that ear and cleaning won't 249 00:12:12,399 --> 00:12:14,559 get it out. They got to actually grab it with 250 00:12:14,600 --> 00:12:17,639 something called an alligator forceps and actually remove it, so 251 00:12:17,919 --> 00:12:19,639 that might be going on. So if we have a 252 00:12:19,679 --> 00:12:22,759 persistent problem, the ears appear to be clean when you 253 00:12:23,080 --> 00:12:25,320 clean them, there's nothing more coming out. The next step 254 00:12:25,360 --> 00:12:28,840 is to do under sedation a thorough, thorough inspection of 255 00:12:28,879 --> 00:12:33,200 the ear canal. Okay, they didn't even call you, Charon. 256 00:12:33,360 --> 00:12:36,120 That is I mean, I'm a little bit shocked. That 257 00:12:36,279 --> 00:12:39,200 is very unusual. It's one thing, they may not have 258 00:12:39,240 --> 00:12:41,679 made the wrong decision based on what you're telling me 259 00:12:41,799 --> 00:12:44,960 struggling to breathe, et cetera. But to make a drastic 260 00:12:45,039 --> 00:12:49,200 move like that without your consent or knowledge, that does 261 00:12:49,240 --> 00:12:51,679 bother me a little bit because, for example, as a 262 00:12:51,679 --> 00:12:54,159 pet parent, if I was faced with that and the 263 00:12:54,679 --> 00:12:59,039 solution was and the right solution was to euthanize, saygabye, 264 00:12:59,200 --> 00:13:00,639 I don't want to be there. I'd want to get 265 00:13:00,639 --> 00:13:02,440 a phone call, say you no, what it's time? Would 266 00:13:02,480 --> 00:13:03,799 you like to be with us when we do it? 267 00:13:03,840 --> 00:13:07,879 I would imagine, of course, So that is troublesome to me. 268 00:13:07,919 --> 00:13:11,120 It really is very disappointing. Okay, the next thing, I know, 269 00:13:11,360 --> 00:13:14,519 this gusting ashes. That's crazy. Again, it may not have 270 00:13:14,559 --> 00:13:16,559 been a wrong decision based on the breathing and what 271 00:13:16,639 --> 00:13:18,519 they found on the X ray's lungs full of fluid. 272 00:13:18,879 --> 00:13:22,399 I get it. But I would imagine you probably want 273 00:13:22,440 --> 00:13:23,799 to be there. I would have wanted to be there. 274 00:13:23,879 --> 00:13:25,279 I would have wanted to hold the pet in my 275 00:13:25,440 --> 00:13:28,799 arms and say goodbye. It just that to me is concerning. 276 00:13:29,120 --> 00:13:31,679 All right, Tammy, how are you say hi to the 277 00:13:31,759 --> 00:13:35,559 fam gott. I have cousins calling from Texas. That's great, Okay, 278 00:13:35,840 --> 00:13:38,559 let's see Todd. How are you okay? Yeah, send me 279 00:13:38,600 --> 00:13:42,879 and Karen, thank you so much. Send me pictures, Hello, Todd. Okay, okay. 280 00:13:43,279 --> 00:13:44,600 But if this is some of the ways I have 281 00:13:44,679 --> 00:13:47,120 to get in touch with my family, my cousins is 282 00:13:47,200 --> 00:13:49,399 have them join me on the study boarding. Hey, that's great. 283 00:13:49,679 --> 00:13:50,120 Speaker 2: That's great. 284 00:13:50,360 --> 00:13:53,480 Speaker 1: Saya, Joey and the kids. All right, our cats start 285 00:13:53,559 --> 00:13:55,960 needs good for dogs. The only thing is most of 286 00:13:56,000 --> 00:13:58,720 these can official really good for them is that they 287 00:13:58,799 --> 00:14:01,120 usually are an olive oil. They just may be a 288 00:14:01,159 --> 00:14:04,360 little too fatty. Not the fish itself, it is. What's 289 00:14:04,600 --> 00:14:06,720 you know, those canned sardines. I know they're putting them 290 00:14:06,720 --> 00:14:08,960 in these those really cool little things. You gotta, you know, 291 00:14:09,320 --> 00:14:11,279 take the key and open them up that way. But 292 00:14:11,559 --> 00:14:14,320 am I aging myself and now I probably am. But anyway, 293 00:14:14,600 --> 00:14:16,360 I'm not worried about the sardine. I'm worried about that 294 00:14:16,440 --> 00:14:18,720 if there's too much oil. So if you want to 295 00:14:19,000 --> 00:14:21,000 use them like it's like even when I open a 296 00:14:21,080 --> 00:14:23,240 canton and I still rinse it, rinse it, rinse it, 297 00:14:23,279 --> 00:14:25,320 even though it's back to water, I still rinse it, 298 00:14:25,399 --> 00:14:27,399 rent it like crazy. So if you do that, then 299 00:14:27,480 --> 00:14:29,799 it would be fine. All right, So let's take a 300 00:14:29,879 --> 00:14:32,039 quick break. Here. It is at the time of the 301 00:14:32,080 --> 00:14:34,240 show nine twenty. Actually, when we come back, there are 302 00:14:34,240 --> 00:14:35,759 two things I want to talk about, and you may 303 00:14:35,840 --> 00:14:37,720 need you remind me because you trust me even as 304 00:14:37,799 --> 00:14:41,080 a commercial. But one is pet insurance and one is 305 00:14:41,360 --> 00:14:45,120 indoor versus outdoor lifestyle. No go wait, go back after 306 00:14:45,159 --> 00:14:50,600 these shorts, take. 307 00:14:50,440 --> 00:14:54,000 Speaker 3: A bite out of your competition, advertise your business with 308 00:14:54,080 --> 00:14:57,120 an ad. In pet Life Radio podcast and radio shows, 309 00:14:57,480 --> 00:15:00,200 there is no other pet related media that is as 310 00:15:00,320 --> 00:15:03,320 large and reaches more pet parents and pet lovers than 311 00:15:03,399 --> 00:15:07,279 pet Life Radio with over seven million monthly listeners. Pet 312 00:15:07,320 --> 00:15:11,360 Life Radio podcasts are available on all major podcast platforms, 313 00:15:11,639 --> 00:15:14,639 and our live radio stream goes out to over two 314 00:15:14,799 --> 00:15:19,320 hundred and fifty million subscribers on iHeartRadio, Odyssey, tune In, 315 00:15:19,639 --> 00:15:22,720 and other streaming apps. For more information on how you 316 00:15:22,919 --> 00:15:26,440 can advertise on the number one pet podcast and radio network, 317 00:15:26,559 --> 00:15:34,200 visit petlifradio dot com. Slash advertised today, Let's talk past, 318 00:15:34,600 --> 00:15:37,320 Let's done, petco at Radio, Petline. 319 00:15:37,000 --> 00:15:39,840 Speaker 2: Radio, petlifradio dot com. 320 00:15:49,840 --> 00:15:50,639 Speaker 1: So we're back. 321 00:15:50,679 --> 00:15:51,039 Speaker 2: We're back. 322 00:15:51,120 --> 00:15:53,919 Speaker 1: Youre live with doctor Jeff and we are just talking 323 00:15:53,960 --> 00:15:56,120 about the one thing I wanted to bring up before 324 00:15:56,159 --> 00:15:59,159 the break about indoor outdoor lifestyle. And I want to 325 00:15:59,200 --> 00:16:01,360 just you know, set some some ground rules for me 326 00:16:01,840 --> 00:16:03,919 and you know, hopefully you'll be able to appreciate these. 327 00:16:04,000 --> 00:16:05,720 So when it comes on with the dogs mostly are 328 00:16:05,960 --> 00:16:08,799 indoacter over there, they're not roaming streets. When you see 329 00:16:08,799 --> 00:16:10,360 a dog running the street right away, you think, oh 330 00:16:10,399 --> 00:16:12,039 my god, he must have gotten loose. Let me try 331 00:16:12,039 --> 00:16:15,120 to catch him. C v IZID cat's phone running a neighborhood, 332 00:16:15,159 --> 00:16:17,200 you think twice. Because a lot of people have cat 333 00:16:17,320 --> 00:16:20,879 that are indoor outdoor. Are they roaming around? And that's normal. So, 334 00:16:21,159 --> 00:16:24,080 but my concern is in a municipality like La where 335 00:16:24,080 --> 00:16:27,720 I am, you have dogs, cars, coyotes, feline aids. There 336 00:16:27,759 --> 00:16:30,279 are a lot of dangers out there, and if you 337 00:16:30,480 --> 00:16:32,279 have these cats that are in and out, then you 338 00:16:32,440 --> 00:16:34,519 have to vaccinate them, or at least I would recommend 339 00:16:34,799 --> 00:16:39,559 against rabies and leukemia. And I'm concerned about these vaccines 340 00:16:39,559 --> 00:16:42,120 because I just did surgery on the cat that had 341 00:16:42,240 --> 00:16:47,559 feline vaccine induced sarcoma. That is a tumor and normally 342 00:16:48,159 --> 00:16:50,360 the treatment of choice. That's why we now give vaccines 343 00:16:50,360 --> 00:16:53,159 to cats only in the hind thighs is that if 344 00:16:53,240 --> 00:16:56,440 they should get this ugly sarcoma, you can save their 345 00:16:56,480 --> 00:17:00,200 lives by amputating the leg. Okay, and that's that's I mean, 346 00:17:00,200 --> 00:17:02,360 I mean to think about it. That's pretty dramatic and 347 00:17:02,440 --> 00:17:04,599 drastic you have to do, but that will save your lives. Well, 348 00:17:04,640 --> 00:17:06,799 we used to give shots like on the trum like 349 00:17:06,920 --> 00:17:09,359 we do with dogs all the time. Then you can't 350 00:17:09,400 --> 00:17:12,160 remove it. So I had one. It was relatively new. 351 00:17:12,680 --> 00:17:15,720 I did try to remove it. I know I didn't 352 00:17:15,720 --> 00:17:17,799 get it all. I think I got pretty most of it. 353 00:17:17,880 --> 00:17:21,079 They just said that they that the tumors came down 354 00:17:21,160 --> 00:17:23,240 to the edge of what I took, so there obviously 355 00:17:23,279 --> 00:17:26,200 they have to tell me that most likely there might 356 00:17:26,240 --> 00:17:27,839 be some on the other side of what I removed, 357 00:17:28,160 --> 00:17:30,920 but this cat is doing great. I had to cut 358 00:17:30,960 --> 00:17:33,720 into muscle. I was very concerned. Did I ruined some muscle? 359 00:17:33,960 --> 00:17:36,160 I tried to save as much as I could. She said. 360 00:17:36,240 --> 00:17:38,680 The owner said, the cat's walking. The cats jumping again, 361 00:17:39,079 --> 00:17:41,400 and I felt it yesternight. I took the stitches out. 362 00:17:41,599 --> 00:17:44,680 You feel nothing, no gross. So I'm hoping I was 363 00:17:44,759 --> 00:17:47,000 one of the lucky ones that will at least get 364 00:17:47,039 --> 00:17:49,079 this cat. I was also an older cat, so if 365 00:17:49,119 --> 00:17:50,559 I get it to the live an extra year year 366 00:17:50,559 --> 00:17:52,680 and a half, we're good and without having to amputake. 367 00:17:52,839 --> 00:17:55,480 So that was a plus. But a cat gets hit 368 00:17:55,559 --> 00:17:58,440 by car or attacked by coyote, I'm not worried about 369 00:17:58,440 --> 00:18:00,960 the coyote giving you a rabies coyote. Mike is gonna 370 00:18:00,960 --> 00:18:04,440 probably take a cat. So I really think that My 371 00:18:04,799 --> 00:18:07,720 recommendation is if you're living in a city like La Now, 372 00:18:07,799 --> 00:18:10,559 look one of my cats, as he was found by 373 00:18:10,720 --> 00:18:12,880 my daughter when she was still living at home. Now 374 00:18:13,000 --> 00:18:15,720 she's my youngest, she's thirty three already with two kids 375 00:18:15,759 --> 00:18:17,880 of her own. But this cat came up to her. 376 00:18:17,960 --> 00:18:19,480 She was you know, she was here. We've had the 377 00:18:19,519 --> 00:18:23,480 cat for a long time. Obviously, and so he was 378 00:18:23,559 --> 00:18:26,319 an outdoor cat and we ped him a little bit. 379 00:18:26,400 --> 00:18:29,079 She was really he was really sweet and hey, Keith, 380 00:18:29,400 --> 00:18:33,880 really sweet cat and we that was it. Cat took golf. 381 00:18:34,240 --> 00:18:36,559 A week later, the cat's back and this time my 382 00:18:36,680 --> 00:18:39,039 daughter gives us some food brings in the house. I 383 00:18:39,200 --> 00:18:42,160 tested for I did a micro chip check. No micro chip, 384 00:18:42,440 --> 00:18:44,960 no idea on it. We talked to the neighborhoods put 385 00:18:45,000 --> 00:18:47,359 something out. There was no way and this cat really, 386 00:18:47,720 --> 00:18:50,359 first of all, he's the greatest cat. So he was 387 00:18:50,400 --> 00:18:52,839 an outdoor cat or into outdoor whatever, but he was 388 00:18:52,880 --> 00:18:55,720 certainly outdoors. So when we was still very careful because 389 00:18:55,720 --> 00:18:57,640 we had a front door open or a window open, 390 00:18:57,880 --> 00:19:00,240 he would make a bee line and he would get out. 391 00:19:00,440 --> 00:19:02,079 Fortunately he would come back. You knew where the food 392 00:19:02,160 --> 00:19:05,599 was coming from. Now after all these years, I mean, 393 00:19:06,240 --> 00:19:08,319 I can have the door wide open and he'll go 394 00:19:08,440 --> 00:19:11,359 to the threshold and think, a look, nothing out there 395 00:19:11,440 --> 00:19:14,720 the beach this and he rais right back in. So yes, 396 00:19:14,839 --> 00:19:17,359 you can make these cats indoor cats. You have to 397 00:19:17,400 --> 00:19:20,079 train him to a litter box, which we did no problem. 398 00:19:20,559 --> 00:19:23,000 And now plus he's got oh he had the time. 399 00:19:23,079 --> 00:19:25,039 He had four other friend now we got three and 400 00:19:25,200 --> 00:19:27,279 one of them and he are like Mutt and Jeff. 401 00:19:27,480 --> 00:19:31,079 They are inseparable. And that is such a gorgeous, beautiful 402 00:19:31,119 --> 00:19:34,119 thing to see when you your own cats have such 403 00:19:34,240 --> 00:19:36,440 a bond with each other that you know, I mean 404 00:19:36,519 --> 00:19:39,039 need us, I mean they love it. And he loves 405 00:19:39,079 --> 00:19:41,279 being petted and he's a cuddler. Oh it's the best. 406 00:19:41,440 --> 00:19:44,039 But if you lived like in a farm or ranch, 407 00:19:44,319 --> 00:19:47,400 or you in a barn, cat whatever, then yet then 408 00:19:47,720 --> 00:19:50,839 I would I would definitely say yes, it's probably okay 409 00:19:51,279 --> 00:19:53,039 to have it into our to a cat as long 410 00:19:53,119 --> 00:19:56,079 as the grounds are protected. Now, if you know you're 411 00:19:56,119 --> 00:19:58,839 in some place when you see coyotes or bobcats at night, 412 00:19:59,240 --> 00:20:01,680 then bring them in. Make sure they're inside. I wouldn't 413 00:20:01,680 --> 00:20:04,039 trust anything. Or if you have a barn, close the barn, 414 00:20:04,279 --> 00:20:06,680 keep them inside the barn. But it is possible. But 415 00:20:06,759 --> 00:20:08,519 I know that you're going to need to give the 416 00:20:08,599 --> 00:20:11,000 rabies and the leukemia vaccine, So make sure if you're 417 00:20:11,000 --> 00:20:13,039 going to give those vaccines or any vaccine, even the 418 00:20:13,160 --> 00:20:16,279 FRCPP and E, which is a basic cat upper respiratory's 419 00:20:16,319 --> 00:20:18,640 cat fever vaccine, you want to give them in the 420 00:20:19,039 --> 00:20:21,759 thigh and only in the thigh. You're not let a 421 00:20:21,839 --> 00:20:24,960 veterinarian give a vaccine anywhere but the thigh, because that 422 00:20:25,160 --> 00:20:27,920 is just a recipe for his potential disaster. So hang 423 00:20:28,000 --> 00:20:30,160 on a second. I ping a lot that told me 424 00:20:30,200 --> 00:20:31,720 to keep it a diet, But I'm concerned about this 425 00:20:31,880 --> 00:20:34,559 kidney test. Fine, he was diagnosed before with high creating. 426 00:20:34,559 --> 00:20:37,079 You well, I mean certainly if he's got you know, 427 00:20:37,559 --> 00:20:40,480 creatinine and bun, that is a kidney problem. So it 428 00:20:40,519 --> 00:20:43,119 could be the water intake and the urinating is just 429 00:20:43,160 --> 00:20:45,880 because of kidney disease. Absolutely, I want to know what 430 00:20:45,920 --> 00:20:49,559 the bun was, Okay, that's important, and what the urine 431 00:20:49,720 --> 00:20:53,160 or blood glucose. If the urine is negative for glucose 432 00:20:53,319 --> 00:20:56,000 and the blood is normal glucose, then it's not diabetes. 433 00:20:56,240 --> 00:20:58,880 It's not diabetes. Then you just gotta go with probably 434 00:20:59,200 --> 00:21:02,319 kidney disease and or early kidney failure. Get them out 435 00:21:02,319 --> 00:21:05,079 of kidney diet. Again, there's really not a lot you 436 00:21:05,119 --> 00:21:07,960 can do SubQ fluids on a regular basis, and you 437 00:21:08,079 --> 00:21:10,359 just got to run with older cats. Let's put it 438 00:21:10,400 --> 00:21:13,200 this way. The truth is that they say close to 439 00:21:13,720 --> 00:21:15,640 as a cat age, it's once it hits past fifteen 440 00:21:15,720 --> 00:21:18,680 or sixteen, like, basically one hundred percent are going to 441 00:21:18,720 --> 00:21:20,920 die of kidney failure. Obviously, nothing's ever one hundred percent, 442 00:21:21,000 --> 00:21:23,480 but they've already passed. They'll lived past the age of 443 00:21:23,519 --> 00:21:27,079 getting cancer or organ failure or other dysfunction. It's now 444 00:21:27,200 --> 00:21:30,200 up to the kidneys. And just unfortunately, cats weren't built 445 00:21:30,440 --> 00:21:33,920 to have kidneys last more than you know, typically twenty 446 00:21:34,000 --> 00:21:35,039 twenty one to twenty two years. 447 00:21:35,079 --> 00:21:35,200 Speaker 3: Now. 448 00:21:35,400 --> 00:21:37,119 Speaker 1: My oldest cat I ever had as a patient was 449 00:21:37,160 --> 00:21:39,000 twenty two. I've heard about a twenty six and it 450 00:21:39,079 --> 00:21:41,000 was some story I think this past year of a 451 00:21:41,039 --> 00:21:42,839 cat that made it to thirty six. I don't know, 452 00:21:43,359 --> 00:21:45,680 anything's possible, so one of the other word to say never, 453 00:21:45,880 --> 00:21:49,519 never impossible, but not normal. So anyway, so that's how 454 00:21:49,559 --> 00:21:53,279 I feel about the indoor only, and I prefer in 455 00:21:53,319 --> 00:21:55,960 a city if you if you can try to get 456 00:21:56,000 --> 00:21:58,119 your cats to the indoor only, it'll be they live longer. 457 00:21:58,279 --> 00:22:00,720 They will live longer. Now, obviously, again that's not a 458 00:22:00,759 --> 00:22:03,279 guarantee because you're gonna have another disease that happens. That 459 00:22:03,319 --> 00:22:05,799 can happen to any cat, but generally it's a rule 460 00:22:05,839 --> 00:22:08,400 of thumb. The outdoor cats do not live as long 461 00:22:08,720 --> 00:22:11,480 in the metropolitan area as the indoor cats because of 462 00:22:12,160 --> 00:22:14,880 all those dangers the dogs, cards coyotes, you know, became 463 00:22:14,920 --> 00:22:18,160 me a feline age, et cetera, et cetera. Now, next, insurance. 464 00:22:18,440 --> 00:22:20,720 This net really deserves more of a time than I'm 465 00:22:20,720 --> 00:22:22,319 going to give it right now. But let's say this. 466 00:22:22,680 --> 00:22:25,599 Here's my tagline. You're gonna need it the most when 467 00:22:25,640 --> 00:22:28,799 you don't have it. Okay, that's Murphy's law. But now 468 00:22:28,839 --> 00:22:31,960 let's talk about insurance. I've been dealing with insurance companies 469 00:22:32,039 --> 00:22:34,640 for well, I've been practicing over forty years. When I 470 00:22:34,720 --> 00:22:36,720 first started, they were not a big deal. I'd say 471 00:22:36,720 --> 00:22:39,400 at least thirty years. And I get the same complaints 472 00:22:39,400 --> 00:22:41,720 from owners, and that is you've got to be really 473 00:22:41,799 --> 00:22:45,599 careful because they make sure they let you know they 474 00:22:45,720 --> 00:22:49,720 do not cover diseases that were existing diseases, pre existing 475 00:22:49,759 --> 00:22:52,680 conditions as they call it. So, oh wow, that's that's 476 00:22:52,880 --> 00:22:55,119 no big deal. I'll tell you why it's a big deal. Okay. 477 00:22:55,559 --> 00:22:59,440 I have a puppy that has oral papal owners. Those 478 00:22:59,480 --> 00:23:03,759 are oral warks, okay and very common in puppies. Is 479 00:23:03,839 --> 00:23:07,000 it really a disease? No, they can get it at daycare. 480 00:23:07,359 --> 00:23:09,839 It's nothing, it's a virus, and they get through the 481 00:23:09,920 --> 00:23:12,880 virus and you're done. Now, let's say eight years later, 482 00:23:13,160 --> 00:23:17,799 nine years later, you make a claim for a skin tumor, 483 00:23:18,039 --> 00:23:20,519 a tumor and they go, oh no, yeah, back when 484 00:23:20,519 --> 00:23:22,640 he's an uppy, he had oral papalomans. Those are awards. 485 00:23:22,640 --> 00:23:26,359 That's a skin but we won't cover any skin growth. Really, really, 486 00:23:26,759 --> 00:23:29,839 is that how we disgusting you guys? Are as insurance companies? 487 00:23:30,000 --> 00:23:32,599 Then we go give it statistic. When I started practicing, 488 00:23:32,880 --> 00:23:35,759 there were like two insurance companies. Now they're like ten, 489 00:23:35,880 --> 00:23:38,079 and yet only two to three percent of pet parents 490 00:23:38,200 --> 00:23:39,720 have interns for the pets. So what does it tell 491 00:23:39,759 --> 00:23:42,480 you would these new companies be coming on board if 492 00:23:42,519 --> 00:23:45,240 those two three now ten to show weren't making boatloads 493 00:23:45,240 --> 00:23:48,279 of money. Not only that they're taking your, say, one 494 00:23:48,319 --> 00:23:51,079 hundred bucks a months, they're taking your hundred and his 495 00:23:51,279 --> 00:23:53,319 hundred and her one hundred and that hundred. Before you 496 00:23:53,440 --> 00:23:55,759 know what, they got one hundred people one hundred bucks 497 00:23:55,759 --> 00:23:59,160 a month, ten thousand dollars. They're investing that money. They're 498 00:23:59,240 --> 00:24:02,519 investing you will money making it worthwhile investment because they're 499 00:24:02,559 --> 00:24:04,400 using other people's money as well at the same time. 500 00:24:04,599 --> 00:24:09,200 So what's happening, Okay, what's happening is they are making 501 00:24:09,319 --> 00:24:11,160 money on that money. So then when you make a 502 00:24:11,240 --> 00:24:13,160 claim and you made more of the lucky ones that 503 00:24:13,400 --> 00:24:15,960 need it and they pay it, you're covered. But they 504 00:24:16,000 --> 00:24:17,839 weren't think there's no money. They were using the money 505 00:24:17,839 --> 00:24:20,559 they made from your money and everybody else's money. Think 506 00:24:20,599 --> 00:24:23,160 of it as Las Vegas casino. Okay. Now, I don't 507 00:24:23,160 --> 00:24:25,400 know how many of your gamblers out there, but if 508 00:24:25,440 --> 00:24:28,920 you look at the casino, the opulence, the people walking around, 509 00:24:29,359 --> 00:24:32,079 the temperature, everything about it, do you think most people 510 00:24:32,119 --> 00:24:34,319 will go in their play? Are winning or losing? Think 511 00:24:34,359 --> 00:24:38,000 about it? Losing the house wins? Now, could you have 512 00:24:38,119 --> 00:24:40,559 gone to Vegas and had a great, great weekend and 513 00:24:41,119 --> 00:24:43,279 lucky hit all the numbers? Your walk came on with 514 00:24:43,359 --> 00:24:46,400 five brand, Yeah, it'll happen. Is it gonna happen every time? 515 00:24:46,960 --> 00:24:50,599 Probably not. So that is insurance. It is a gamble. 516 00:24:51,039 --> 00:24:54,039 You might get lucky right here. Kate McCauley says, I 517 00:24:54,119 --> 00:24:56,920 have insurance and would never stop my aging dog cost 518 00:24:56,920 --> 00:24:59,680 at least three K or more year. Insurances financially save me, 519 00:25:00,000 --> 00:25:01,880 which is great, you're going to get stories like that 520 00:25:02,079 --> 00:25:04,759 one hundred percent. But most of the people that I 521 00:25:04,880 --> 00:25:07,839 talked to and now their next pet, they said, no, 522 00:25:07,920 --> 00:25:10,319 we're not doing insurance thing. They looked for every reason 523 00:25:10,400 --> 00:25:13,480 in the book not to pay out, whether it's pre existing, 524 00:25:13,680 --> 00:25:16,160 whether we don't cover it, we don't cover this, Oh 525 00:25:16,400 --> 00:25:19,359 our cause didn't cover that. But I think you need something. 526 00:25:19,480 --> 00:25:23,279 So here is for me, here is the solution. And 527 00:25:23,559 --> 00:25:26,880 first of all, read all the insurance things really carefully, 528 00:25:27,039 --> 00:25:28,480 what are they going to cover, what are they not 529 00:25:28,640 --> 00:25:31,400 going to cover, and know in advance, because if your 530 00:25:31,440 --> 00:25:33,079 pet had any of those things that they're not going 531 00:25:33,119 --> 00:25:35,240 to cover because of pre existing you need to know 532 00:25:35,319 --> 00:25:38,880 that going into it, so that's important. And then so 533 00:25:39,119 --> 00:25:41,880 there is my only solution, because I think you need something, 534 00:25:42,319 --> 00:25:44,519 is what we call self insuring. I'm sure you've heard 535 00:25:44,519 --> 00:25:47,680 of something called HSA Health Savings account. So what you 536 00:25:47,720 --> 00:25:50,720 can do is you can take one hundred bucks amile 537 00:25:50,759 --> 00:25:52,440 whatever it is you're going to pay for insurance. You 538 00:25:52,599 --> 00:25:57,559 open up an account in Bowser's name, and every single month, automatically, 539 00:25:57,599 --> 00:25:59,680 you have no choice working out with your bay. It's 540 00:25:59,680 --> 00:26:03,759 an automatic deposit into an interestparing savings account and you 541 00:26:03,880 --> 00:26:07,119 put that money away every single month religiously. You don't 542 00:26:07,200 --> 00:26:09,079 use it for routine, don't use it for the dental, 543 00:26:09,160 --> 00:26:11,920 don't use it for the vaccination. It is for that condition, 544 00:26:12,119 --> 00:26:14,960 that disease, that hit by car, that dog fights, when 545 00:26:15,000 --> 00:26:18,039 you have something that is really going to require some 546 00:26:18,200 --> 00:26:21,680 major bucks hospitalization, you know, tuber removal, whatever it is. 547 00:26:22,400 --> 00:26:24,960 And if you just let it ride, after the first year, 548 00:26:25,000 --> 00:26:27,000 got twelve hundred bucks, Second you got twenty four hundred 549 00:26:27,000 --> 00:26:29,079 plus little interest. Third you got thirty six thirty seven 550 00:26:29,160 --> 00:26:31,799 hundred bucks. So you just let it ride, and by 551 00:26:31,799 --> 00:26:33,319 the time your dog is six or seven or eight 552 00:26:33,440 --> 00:26:35,960 years of age, you're gonna have you know, eight thousand 553 00:26:36,000 --> 00:26:38,119 dollars but away. And if you wanted to invest out, 554 00:26:38,119 --> 00:26:39,880 if something comes along and you got a great investment, 555 00:26:40,039 --> 00:26:42,359 invest it and do the same thing insurance companies do. 556 00:26:42,680 --> 00:26:44,720 You'll be using some of your money made from the 557 00:26:44,799 --> 00:26:47,799 investment to pay He'll pay off that big bill. But 558 00:26:47,960 --> 00:26:51,200 the bottom line is it's steal your money. Insurance companies 559 00:26:51,240 --> 00:26:53,759 are banking that you're not going to use it. You're 560 00:26:53,799 --> 00:26:55,519 not going to let you use it all. And at 561 00:26:55,559 --> 00:26:58,680 the end of the day they make the money, not you, 562 00:26:59,279 --> 00:27:02,319 but don't do nothing. They're all I'll agree. If you 563 00:27:02,599 --> 00:27:04,799 are not disciplined enough to be able to do that, 564 00:27:05,240 --> 00:27:08,640 then paid insurance whatever it is. But start young. Always 565 00:27:08,720 --> 00:27:11,400 know that when you the pet gets older and now 566 00:27:11,440 --> 00:27:13,920 you want to start insurance, those premiums are good. I've 567 00:27:13,920 --> 00:27:16,000 had comments science tell me that their premums now we 568 00:27:16,079 --> 00:27:20,680 turn fifty dollars a month. That is insane. So anyway, 569 00:27:21,119 --> 00:27:24,240 what I would do, I would yes again. Her first 570 00:27:24,279 --> 00:27:27,279 dog had cancer and she spent all her savings on it. 571 00:27:27,400 --> 00:27:29,079 And first of all, it depends which company you're using, 572 00:27:29,279 --> 00:27:31,400 what you're gonna be paying for. Don't if you're gonna 573 00:27:31,400 --> 00:27:34,480 do get insurance, don't do routine care. Don't do routine 574 00:27:34,480 --> 00:27:37,920 care that will definitely cost you more than you are putting, 575 00:27:38,559 --> 00:27:40,839 cost you more than they're gonna cover because they won't 576 00:27:40,880 --> 00:27:45,480 cover horwardly anything. So they we cover annual vaccines, maybe 577 00:27:45,519 --> 00:27:48,200 a spain nooter, maybe one dentistry. Whatever it is you're 578 00:27:48,240 --> 00:27:50,039 gonna end up it's going to cost you more to 579 00:27:50,119 --> 00:27:52,039 have it than it is that you're gonna get back 580 00:27:52,079 --> 00:27:54,400 from them if you use it or try to use it. 581 00:27:54,720 --> 00:27:58,279 So you know, again, start young. The premiums get really 582 00:27:58,359 --> 00:28:00,480 really high if you're started for the first time. So 583 00:28:00,680 --> 00:28:04,480 that's my take. I am. I also tell to sharing 584 00:28:04,519 --> 00:28:07,039 with you what most on my clients that I've had insurance, 585 00:28:07,400 --> 00:28:11,000 they're either looking for another company all right, or they 586 00:28:11,119 --> 00:28:15,000 are trying to finagle start with a new vet. No mention, 587 00:28:15,160 --> 00:28:18,920 nothing about ever having had prior existing condition. I mean 588 00:28:19,279 --> 00:28:20,960 the fact that you have to do that, it tells 589 00:28:20,960 --> 00:28:23,480 you right there. They do not want it to pay out. 590 00:28:23,640 --> 00:28:25,519 They want to take him money every month, but it's 591 00:28:25,640 --> 00:28:27,519 hard as hell to get the money out of them. 592 00:28:27,920 --> 00:28:31,880 So you know, again, success story like here absolutely for 593 00:28:32,279 --> 00:28:35,119 Kate McCauley. Absolutely, Then if you had luck with it, 594 00:28:35,319 --> 00:28:37,640 go for it. But I'm just sharing with you what 595 00:28:37,880 --> 00:28:41,240 most on my clients that have had insurance, they will 596 00:28:41,319 --> 00:28:43,519 not renew. And when I mentioned about the HSA the 597 00:28:43,519 --> 00:28:46,480 whole Savman's account, they think that is it's a great solution. 598 00:28:46,880 --> 00:28:49,119 It may not cover as much, but it's going to 599 00:28:49,200 --> 00:28:52,359 cover something. But most importantly, if you don't have a 600 00:28:52,440 --> 00:28:55,400 claim at all, think how much you spent on insurance 601 00:28:55,480 --> 00:28:57,160 at say one hundred bucks a month, or if you 602 00:28:57,200 --> 00:29:00,519 have multiple pets, whatever it is, so somebody think about 603 00:29:00,680 --> 00:29:03,880 look into it now. Also researcher insurance companies. Kate, which 604 00:29:03,920 --> 00:29:06,039 insurance company you said you've had others? Which was the 605 00:29:06,079 --> 00:29:08,839 one that you found is the most amenable and easy 606 00:29:08,880 --> 00:29:10,680 to work with? So if you can answer that, while 607 00:29:10,680 --> 00:29:14,519 I share yes and says, and here from janis that 608 00:29:14,640 --> 00:29:17,720 even if you start younger, PMMs go up significantly as 609 00:29:17,759 --> 00:29:20,759 the pet gets older. So you know again it's not 610 00:29:21,240 --> 00:29:23,920 quite the same and you have to go through hoops 611 00:29:24,480 --> 00:29:27,039 for them to search old records. I mean, let me 612 00:29:27,119 --> 00:29:29,799 give you a perfect example just to show you how 613 00:29:29,960 --> 00:29:32,519 insane this is it that I even have to get 614 00:29:32,559 --> 00:29:35,640 involved our senior panel. When you have a dogs that 615 00:29:35,640 --> 00:29:37,880 are senior based on the lab, they call it a 616 00:29:37,920 --> 00:29:40,680 senior wellness well This dog was a very sick dog 617 00:29:41,039 --> 00:29:43,480 and we had to do the senior panel called SA 618 00:29:43,559 --> 00:29:46,920 seven h five full blood ender your analysis. They were declined. 619 00:29:47,119 --> 00:29:50,720 Why well, because they ran a wellness panel, you idiots. 620 00:29:51,079 --> 00:29:53,759 That wasn't wellness. They called it the lab and they 621 00:29:53,799 --> 00:29:56,519 calls it a senior wellness profile. It's the profile we 622 00:29:56,640 --> 00:30:00,160 do for older dogs. Period. Now I have to go 623 00:30:00,279 --> 00:30:02,960 after write letters, have to talk to them, moron veterinarian 624 00:30:03,000 --> 00:30:05,440 at the insurance company or wherever it's making these decisions, 625 00:30:05,680 --> 00:30:07,960 and that's the problem. You're dealing with people that are 626 00:30:08,039 --> 00:30:11,279 so poorly educated. They're told what they do. They're like robots, 627 00:30:11,440 --> 00:30:14,160 and they go instead wellness, no good, had nothing to 628 00:30:14,160 --> 00:30:16,920 do that all was not well. The profile named by 629 00:30:17,039 --> 00:30:19,519 the own laboratory that we use calls it a senior 630 00:30:19,599 --> 00:30:23,480 wellness profile. So it is just crazy, and this is 631 00:30:23,519 --> 00:30:25,839 what you're going to be, you know. There so case 632 00:30:25,960 --> 00:30:28,640 going with pets, best look into them. But there are 633 00:30:28,880 --> 00:30:32,079 there's Lemonade, there's twenty four hour Pet Watch, there's oh god, 634 00:30:32,119 --> 00:30:35,960 there's so many now a trupanion. So all these are 635 00:30:36,359 --> 00:30:39,559 out there. Do your homework, look into it. But I 636 00:30:39,640 --> 00:30:43,920 would I would be very very very careful because Keith 637 00:30:43,960 --> 00:30:45,720 got on. Keith is the one I've work with right 638 00:30:45,759 --> 00:30:48,680 now who denied him because it's a senior wellness panel. 639 00:30:48,920 --> 00:30:50,920 They didn't read the records. They want you to have 640 00:30:51,000 --> 00:30:53,079 the records, but they don't read them to see that 641 00:30:53,359 --> 00:30:55,359 this was a sick dog that came in and we 642 00:30:55,480 --> 00:30:57,799 had to do blood tests, and if we just called 643 00:30:57,839 --> 00:31:00,119 it blood tests, they were well, we called it aye, 644 00:31:00,200 --> 00:31:03,359 but say seven or five, I've senior wellness. So anyway, 645 00:31:03,599 --> 00:31:06,039 so here's one of the ones that has good experience, 646 00:31:06,160 --> 00:31:08,680 and there are some out there. Yes, the price went up, 647 00:31:08,720 --> 00:31:12,720 but he's seventeen, has tons of issues, and it still 648 00:31:12,759 --> 00:31:15,640 makes financial sense. Absolutely. So as long as you're getting 649 00:31:15,680 --> 00:31:18,559 things before, as long as you have the insurance before 650 00:31:18,599 --> 00:31:21,640 any of these things of these tons of issues issues 651 00:31:21,680 --> 00:31:24,839 we pop up, then you're okay. But if one of 652 00:31:24,920 --> 00:31:27,759 those issues popped up before you got the insurance, oh 653 00:31:27,839 --> 00:31:30,400 my god, your toast. Even if you had a benign 654 00:31:30,720 --> 00:31:34,039 growth on the skin and now you have homangeosarcoma, which 655 00:31:34,119 --> 00:31:37,839 is a malignant tumor inside the body, they're gonna say, Oh, no, 656 00:31:38,079 --> 00:31:40,160 a tumor. We don't do tumors. You already had a 657 00:31:40,200 --> 00:31:43,519 tumbor before we Oh really, is that how cheap you 658 00:31:43,599 --> 00:31:46,680 guys are? So anyway, do your homework. I guess you're 659 00:31:46,680 --> 00:31:49,640 gonna get me. I'll tell you as you can tell. 660 00:31:49,880 --> 00:31:52,680 You think I'm passionate about this, I think so so. No, 661 00:31:52,839 --> 00:31:55,440 it is really frustrat as a veterinarian, and these people 662 00:31:55,440 --> 00:31:58,400 are complaining that they have insurance and they're not paying anything, 663 00:31:58,920 --> 00:32:01,400 or they're saying that it was because of a preexisting No, 664 00:32:01,559 --> 00:32:04,160 it's not a little skin tumor is not a wart 665 00:32:04,440 --> 00:32:07,160 a mole a skin tag. No, that's not pre existing 666 00:32:07,480 --> 00:32:11,359 for hamancho, sarcoma or lymphoma down the road. So you know, 667 00:32:11,480 --> 00:32:14,359 go figure, but ask these questions. If you're thinking about it, 668 00:32:14,640 --> 00:32:17,279 you want to give them scenarios and say is this 669 00:32:17,440 --> 00:32:19,200 going to be a problem, and if they say yes, 670 00:32:19,720 --> 00:32:22,119 pass you do not even waste your money because your 671 00:32:22,200 --> 00:32:24,279 chances are when you think of the major things that 672 00:32:24,359 --> 00:32:26,200 dogs are going to beginning as they get older, it's 673 00:32:26,240 --> 00:32:29,000 the vomiting and diarrhea issues, some of the skin issue, 674 00:32:29,000 --> 00:32:31,359 skin allergies, and it's a lot of cancers, a lot 675 00:32:31,400 --> 00:32:34,599 of tumors, so keep that in mind. Next week I'll 676 00:32:34,640 --> 00:32:37,599 be here, live, not here, I'll be live from Puerto 677 00:32:37,640 --> 00:32:40,480 Bayarta and using up my weeks that I have to 678 00:32:40,559 --> 00:32:44,079 use up. So anyway, I'm almost done. But I won't 679 00:32:44,079 --> 00:32:46,880 be traveling that much after this is done, but anyway, 680 00:32:47,079 --> 00:32:49,599 taking advantage of it. So we'll be in hopefully some 681 00:32:49,720 --> 00:32:53,279 sunshine in Mexico, having a blast, and yes, I will 682 00:32:53,319 --> 00:32:55,720 probably be working a little bit of my tan. But anyway, 683 00:32:56,200 --> 00:32:58,839 we'll see you next week, but live from Puerto Yaka. 684 00:32:59,079 --> 00:33:01,279 All Right, I have a great everybody, and we'll see it. 685 00:33:02,559 --> 00:33:07,200 Speaker 3: Let's Talk Pets every week on demand only on petlife 686 00:33:07,279 --> 00:33:08,400 radio dot com