Bruce Law Firm December 2018

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

1601 Forum Pl. Ste. 1101 West Palm Beach, FL 33401

A Lifelong Gift page 1

Teach Your Kids About Holidays

This Issue: Division of Property in Divorce page 2

Labrador Rescue of Florida page 3

A Look at Health Insurance for Pets page 4

A Member of the Family HEALTH COVERAGE FOR FURRY COMPANIONS

The close bond that humans form with their pets can be mystifying to those who proclaim they are not “pet people.” A dog given a spot on the bed or a cat given specialty food might seem extravagant to some, but a glance back in time shows that this close companionship developed long ago. Ancient Egyptians were sometimes mummified with their feline or canine companions, and when given the choice between losing a battle or harming cats, Egyptians chose a loss to their Persian adversaries rather than attacking soldiers who’d strategically strapped felines to their bodies. A special relationship developed between humans and their animals during the process of domestication, and pets earned their proverbial place at the table. For some pet parents, this close bond makes insurance coverage for their fur babies a no-brainer. Some employers are even offering it as an employment benefit. When it comes to caring for our furry companions, veterinarian Jean Maixner points out that having pet insurance can keep families from having to make a gut-wrenching decision when a pet gets sick or hurt. “If you get the right policy, it can be an asset to the health care of that pet and have a significant impact on the bill that results from an emergency visit,” Maixner says. As with human health insurance, pet health insurance policies vary. A higher deductible usually means paying a lower monthly rate. You can find plans that cover accidents and illnesses, and some plans even cover routine care, like vaccines. In an assessment of policies, Consumer Reports found that for a relatively healthy pet, most policies actually

cost more than they would ultimately pay out. However, they also found that for a pet that develops a serious illness or condition, many pet insurance policies will indeed pay out more than what they cost. Talk with your vet to see if there are any conditions your pet is prone to. Consumer Reports also recommends reading all the fine print when looking at plans to make sure you understand what will be covered. For many people, pet insurance offers peace of mind that their companion will be protected. As Herb Weisbaum, consumer advisor for NBC News, says, “If you buy pet insurance and don’t use it, consider yourself lucky.”

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