You love your pets. They are the first things you see when you wake up in the morning. They lay at your feet while your eating breakfast, they run with you as you get your early morning exercise, they look heart broken when you leave them behind, when you get home from a long day at work they are so happy to see you that they can hardly contain their joy, they listen attentively as you rant and rave about the trails and tribulations of your day, at night they crawl into bed with you and keep the nightmares at bay while you sleep. What they don't do is criticize you, judge you, or abandon you.

There is very little you wouldn't do for your pets. That?s what you think almost everyday of the year but on the days you have to take them to the vet and pay the obligatory bill you have to wonder. All your cat had done was a treatment for a mild case of ear mites. And your dog had been a yearly rabies vaccination. The whole processes for both pets took less then fifteen minutes. How could it possible cost so much?

You might be able to see the benefits of pet health insurance. You might salivate at the idea of not dealing with the ginourmous vet bills you get every six months ago. You might even daydream about the day you don't dread the financial repercussions of taking your dog or cat the vet. But right now you simply don't think you can afford to monthly bill a pet health insurance bill would put on your budget, after all its not like having pet health insurance would make the vet bills completely disappear, more then likely you would still have to pay the office visit.

You might not think you can afford pet health insurance at the moment but don?t walk away from an offer, not yet. Looking at a policy does not mean that you have to walk away from it. If you are a clever bargain shopper there are ways to find pet health insurance at a low cost.

If you have more then one pet you probably automatically qualify for a lower premium. Lots of pet health insurance companies offer multiple pet discounts. There is one little catch, a lot of the companies only offer multiple pet discounts if the pets are the same species. In other words if you have two cats that you insure you will pay a lower premium but if you have a cat and a dog lots of pet health insurance companies will consider it two completely different accounts.

Are you starting to despair? Don't worry two much, while many companies don't consider pets of separate species ground for a multiple pet discount a lot of those same companies have a policy that offers discounts to customers who carry more then policy with the company. The multiple policy discount usually takes about ten percent off the total bill but a good bargains shopper can find companies that offer higher discounts all they have to do is be willing to spend the time to shoe around.

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When pet owners purchase a pet they shop around at the various pet shops, breeders, pet rescues, and animal shelters until they find the dog, cat, or exotic pet that suits them, what very few pet owners do is consider the cost of veterinarian cost for their new pet. The oversight can prove financially devastating and emotionally heartbreaking.

The cost of veterinary cost is on the rise. Technology, liability insurance, medications, and medical research have forced veterinary clinics to raise their cost. Veterinary clinics in rural areas of the country (especially ones that combine their small animal practice with a large animal practice) find it difficult to attract young vets who are graduating from vet school to their clinics; they are forced to offer higher salaries in order to compete with clinics located closer to major cities. The increase in the payroll is then transferred to pet owners.

It was recently estimated that the average dog owner will spend about two hundred dollars a year at the vet?s office. Cats were a little cheaper; their owners only spent about a hundred and sixty dollars in veterinary bills. When you consider what the average life expectancy is for a pet, especially on kept inside, that?s a lot of money. And what if the pet isn?t your run of the mill dog or cat? What if the pet is something more exotic like a pot bellied pig, a ferret, a rabbit, a snake, or even a skunk? The more exotic the pet the more the pet owner is likely to spend on the veterinarian bills, especially if they have a pet such as a skunk which will probably require a vet with special skills. What happens to the pet if it suddenly gets sick or is injured in a freak accident? How much will it set the pet owner back if they have to take their family pet to a university?s veterinary school, will they be able to afford it or will they be forced to euthanize their pet for economic reasons?

Many pet owners try to keep the unexpected veterinary bills at bay by providing excellent care for their pets. They make sure that the pet is kept well groomed to prevent insects and skin disorders. They only feed their pets foods that are very carefully balanced with a proper blend of nutrients. They make sure the pet maintains a healthy weight, not to thin and not to fat. Some pet owners won?t let their pets out of the house, fearing a freak accident. While pet owners should take the best possible care of their pets and do everything in their power to keep their family pet safe, even the most careful, health conscious pet owner can not prevent everything.

Pet health insurance is one way to prevent veterinarian bills from becoming overwhelming. Pet health insurance is insurance pet owners purchase to help cover veterinarian bills similar to human medical insurance. The chances of a pet owner being able to purchase a pet health care at the same health insurance company where they purchase their human health insurance is slim. Most pet owners will find that they have to go to a separate insurance company that specializes in pet health insurance.

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Dogs is a major status symbol in American pet-keeping. Every year, over 12 billion dollars have been spent on dog food and veterinary care alone. According to the American Pet Products Manufacturers Association’s 2003-2004 Pet Owners’ Survey, more than half of dog owners purchase toys for their dogs.

Playing with toys is not the monopoly of little kids but also pets of different kind. Dogs have their own sets of toys to enjoy during their playing time.

Dogs benefit from these toys, health and training wise. There are dog toys that can strengthen their teeth or build their intelligence especially if they also attend a series of training classes with the experts. Like man, dogs are very sociable. Interaction with their companion or a sibling dog is very important in avoiding behavioral problems in the future.

When buying toys for your dog, you may want to match them with your dog’s needs, demands and even personality. Is your dog the type that enjoys chasing and retrieving games, or chewing, sitting and sprawling? You may want to try experimenting first to find out which toys make your dogs the happiest.

Before going on a toy hunt, take a look at this list of toys that may help you identify the right kind of toy for your dog.

* CHEW TOYS. These are perfect for the dog that likes to chew a lot. Instead of your dog chewing your furniture, why not buy these TOUGH little babies for them. These types of dog toy are usually made of nylon or latex rubber. The “King Kong Toys” are among the popular brands of chew toys. You can experiment by stuffing these toys with peanut butter or cheese spread, freeze them and give them to your dog for hours of licking and chewing fun.

Doggie “potato chips” is also a favorite. These “edible chips” can last to a minimum of an hour to a couple of days. They are available in different shapes like pig ears, snouts, cow knuckles, femurs, hooves and bully sticks. Others are bone-shaped made from a variety of vegetables such as carrots.

Another good toy for your dog’s chewing pleasure is the rawhide. These are non- consumable, mummified skin-like toy that you have to throw away when they get soggy, and give your dog a new one. Some rawhides are basted with a variety of flavorings. Be sure to get the “USA rawhide” with a little flag sticker on the label because these do not contain preservative flavorings that are harmful for your dogs.

SQUEAKY TOYS. For these toys, choose the rubber over the stuffed toys for durability and to avoid synthetic materials. These little noisemakers are good for training your dog’s hunting skills.

RETRIEVING TOYS. These are perfect for the chase-and-retrieve types of dogs. Dogs enjoy these toys because they get to play with you. Frisbees and balls made specifically for this activity, are the best to be used. Your dog will get a good workout and so is your arm.

TUG TOYS. These toys are best for dogs that like to grab hold and never let go. Available in rope-like designs.

BRAIN TEASERS. Best for dogs that is left alone a lot. “Biscuit balls” and “food cubes” are great examples. These toys require the dog to solve types of puzzle in order to get a treat.

Various toys of these forms are available in the market.

1. For Chewers of all Sizes

SQUIRREL DUDE – tough, durable and fun too; this hollow rubber chew toy takes on a new level in innovation; this helps to exercise your dog’s jaw a little more with the four little rubber prongs blocking the hole slightly that the dog has to work a little harder to get the goodies out.

2. Ball Launchers and Throwers (Retrieve Toys)

FRISBEES – is an all-time favorite dog toy especially the soft version; fold to fit in a pocket; comes in blue and orange colors, size six to nine inches, prices at eleven to sixteen dollars.

THE ROUND ORBEE - a tough ball hallowed with ½ inch thick membraney surface and it’s softish; it is flexible, durable, grippy, bouncy, and buoyant and has a peppermint scent; good for sniffing-and-getting-the- ball game; prices at five to twelve dollars depending on the size and form you choose

3. Squeaky Toys

SQUEAKERS – available in packages of ten each; dogs that love to silence squeakers are the best for this toy; excellent as attention and pocket squeaker as well; prices go lower if you buy in packages, from five to three dollars each box/package.

4. Tug Toys

LEATHER TUGS – great for tug-of-war games with your dog; made of high grade leather, 3/8 inches thick, tanned and not-treated; dogs like them a lot especially those with active lifestyle.

THE MONGO FETCH TOY – a chew and tug toy combined in one; the natural rubber bar is vanilla scented; rope running through the center gives you a grip for tug games and the soft tasseled ends are made for exciting action with your dogs; medium to large in size, from five to seven dollars each.

5. Brain Teasers

I CUBE - this is a toy that challenges and develops your dog’s intelligence and puzzle solving skills; be sure you are there for supervision; available in junior and jumbo sizes, six to eleven dollars.

DUCK EGG BABY - egg Babies are a plush toy with three squeaker eggs inside; there is an opening on the bottom of the toy so your dog can get the hidden treasures inside; this is a toy that challenges and develops your dog’s intelligence and puzzle solving skills too.

Toys are a fun way to enjoy with your dog in a sunny day at the park. But be sure to apply proper safety measures especially when playing with balls, sticks and stones. You do not want to harm them in any way. Remember, this is a dog-eat-dog world! Even as harmless as playing can cause indestructible damage to your dog.

Mihail Fortomas is a teacher of Biology in a High School of Athens Greece. For the dog owner who wants dog health care information - everything for Dog Diseases and Treats, Foods and Diet

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