Pet Protection: Insurance, Preventive Practices and More

Community Manager
Community Manager

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By Angela Epley


Fact: The internet runs on cat and dog videos. OK, not exactly, but it’s not hard to wonder why pictures, GIFs and videos of our favorite furry friends are some of the most-viewed media online.


In America, pets are part of the family. Studies have shown that infants exposed to pets can develop better resistance to allergies, and that petting your favorite cat or dog can reduce stress. That said, they’re still animals and require a lot of work and care.


Keeping the peace among all species under your roof (and the house itself) requires a few approaches. For medical needs involving your pet, there’s pet insurance. But as they say, an ounce of prevention is worth a pound of cure, so focus your efforts on keeping accidents from happening in the first place.


“Taking steps to reduce the financial impact of issues with our furry friends can make a difference in the long run,” says USAA advice director Sean Scaturro, a CERTIFIED FINANCIAL PLANNER™ practitioner.  


Cats: Our Fickle Feline Friends


Cats are known for sleeping a lot, being fickle with their affection and occasionally lashing out. To minimize the latter, make sure the cat’s needs are being met — which starts with understanding what those needs are. Famous “cat whisperers” suggest cat owners create spaces in and around their home specifically suited for their feline friends. This includes:


Spaces cats can “claim.” Cats are territorial animals and derive comfort from knowing a place is theirs. A unique hybrid of both prey and predator, cats feel happiest at heights off the floor where they can survey their kingdom, even if it’s just an apartment room. So make sure you have furniture or structures in the home where cats can perch, climb and jump. Sprinkle catnip to ensure they’re attracted to designated places and not the main couch.


Outlets for play and hunting drives. These wild creatures descend from some of the world’s most famous hunters, like lions and tigers. It’s unrealistic to expect they’ve completely overcome these urges, so indulge them by making the time and providing the toys that scratch this primal itch. This will teach kitty it’s perfectly acceptable to attack and kick the feather toy, not your leg.


The basics: food, water, litter and bed. Make sure your cat has everything he or she needs easily within reach, in fresh and plentiful supply. As prey to larger animals themselves, they also have a burrowing or hiding instinct, so don’t be surprised if kitty prefers snuggling in the laundry hamper or snoozing in a dark corner of the closet or any other quiet, enclosed area where they can sleep for hours at a time.


Dogs: Our Lively Canine Companions


Our canine companions tend to be much larger than cats, and that size can make a big difference not only when it comes to your living quarters, but also to other animals and humans.


Remember, dogs were domesticated (or domesticated themselves, probably a bit of both) to work very closely with human beings, so they’re constantly on alert to their owner’s behavior — or lack of it. Take responsibility by understanding animal behavioral psychology and techniques to keep your dog properly stimulated, satiated and obedient.


Reduce destruction to property by picking proper “outlets” for behavior. For a dog — a pack animal that requires social activity to feel mentally balanced — the worst thing in the world is being left alone. For working breeds, which descend from ancestors that had jobs to do, the urge to do something never really goes away, and without a proper outlet the dog is likely to find something — anything! — to do.


As a dog owner, it’s your responsibility to give it a sense of structure and purpose by setting a predictable schedule that includes time spent together. A walk around the neighborhood every morning or evening is a great place to start, and consider throwing Frisbees or tennis balls for long fetch sessions if your dog is especially active. Tiring out your pup with healthy, structured play will make for more restful downtime while you’re away. Also, provide chew toys so your dog has dedicated items to exercise his or her jaws. Make them tasty so the pup is less likely to reach for one of your shoes or expensive furniture.


Invest in your pet’s mental and physical health. Many mistake obedience training as an activity just for the dog, but that couldn’t be further from the truth. The training is also valuable for the human owners as a way to better understand how dogs interpret our actions, and it provides a structure for repetition to help reinforce visual and verbal commands that can prevent disaster. If there’s a higher likelihood your dog will come, stay or “leave it” when you say so, you can avoid situations where he or she might be heading directly toward potential peril. Be sure to keep up with your dog’s routine exams to ensure any behavioral quirks aren’t the result of poor health or a serious medical condition, too.


Supervise your pet to stay on top of any triggers. Over half of dog bites that occur happen at home with familiar dogs, which implies that too many of these injuries occur because humans don’t realize how their behavior can frighten or upset an animal, and because too many of us can’t read the signs when one is about to bite. The best way to greet a dog is actually to ignore it, only giving attention and pets when it is in a calm, submissive state. If your dog is easily agitated or sensitive to stimuli, carefully monitor time spent outside the home and reconsider whether dog parks are something your pet truly enjoys or merely tolerates because you’ve taken them there.


Of course, accidents can and will happen, even if we do our best to prevent them. That’s why safeguards like insurance are so critical to help cover medical and liability issues that may arise if your dog injures another person or animal on or off your property. Remember to review your liability coverage for your home or renters policy, as this is where the liability coverage would be found for a dog bite or something of the sort.


Unexpected visits to the vet can be costly. Protecting your pet’s health is important and so is protecting your finances. Having safeguards in place like pet insurance and emergency savings can provide you peace of mind.” Scaturro says.


Protect your furry friends with pet insurance, and protect your loved ones, guests and property with USAA insurance.



Property and casualty insurance provided by United Services Automobile Association, and its affiliate property and casualty insurance companies is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.


Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting, review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc.


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