The Essentials of Animal Insurance

Animal Insurance

There are insurance companies that deal with different types of animal insurance, such as:

Pet Insurance

Pet Insurance is a growth industry in most developed countries. With increasing costs of veterinary fees and greater medical and surgical care available, a sick or injured animal will necessary incur a greater expense when it receives veterinary treatment. Average costs for major illness in veterinary clinics for such things as a motor vehicle accident or cancer often exceed $2000 (in Australia- 2005). Insurance, although not cheap does tend to offset this high expense. Owners who have pet insurance usually pay a monthly subscription or levee to the Pet Insurance Company, usually arrange by their regular veterinary clinic. This insurance covers most major illnesses and accidents, but excludes such things as preventable illness (e.g. parasites such as heartworm, vaccinable diseases) and routine desexing and vaccination costs. Average yearly subscriptions in Australia for example (2005), range from $500 - $1000 depending on number of pets per household and species of animal involved.

Herd Insurance

Insurance is now available for most species, including dogs, cats, ferrets, horses, cows, pigs and sheep. Primary producers, however, have animal insurance which differs from pet Insurance in so far as individual animals are not compensated for, but the total number in the herd is covered.

Insurance Against Loss

Animal Insurance is also available to stock owners, primary producers and racing animals (horses, greyhounds). This insurance is for loss of income from stud fees (breeding after winning), expenses during racing period (mainly vet fees) and for primary producers, loss against unpreventable diseases (e.g. foot and mouth, other viral diseases) another ‘acts of god’ (lightning strike, floods, etc) which cause significant losses. Pet Breeders also insure against loss of breeding pets during transport to stud, illness and loss of potential sales.



You would need to look at your options for pet, herd or animal insurance. Veterinary bills can be costly for illness or injuries, especially for your beloved pet or valuable member of your herd.


Study Animal Health Care- Extract from our Animal Health Care Course



The key points to remember when training or trying to modify a cat’s behaviour:

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- It learns by watching you and your body language.

- It learns by watching other animals.

- It will be learning something, whether it is what you intend it to or not.

- It learns fastest when you reward it all the time.

- It learns fastest when the reward is very desirable.

- You can gradually change its behaviour by repeatedly rewarding the behaviour that successively becomes closer to the one you want.

- A behaviour can become extinct if it is ignored (not rewarded).

- Behaviours that have been intermittently rewarded take the longest to become extinct.


Positive reinforcement will increase the chance of a desirable behaviour occurring. To be effective, the reward must immediately follow the response (within half a second), it must be consistent (happening every time), and it must be desirable (something the cat wants, e.g. food).


Once the cat knows how you want it to behave, rewarding it intermittently ensures the behaviour is maintained for a long time, e.g. every third or fourth time. This is called a variable reinforcement ratio.





Bird vocalisations are approximately similar to language. Different sounds have different meanings. The way a sound is made can identify a species, and sometimes even an individual. Although the sounds which a bird can make are largely determined by genetic factors, many species may actually learn sequences of notes partly or even fully. Some birds even develop local "dialects" for their songs, while others such as lyrebirds and parrots are skilled mimics. These "mimics" can copy sounds which are not normally made by birds -human voice, songs of other birds, even a creaking windmill, etc.


Domesticated birds pick up sounds and imitate words or domestic sounds heard around their cage rather than from birds of their own species. Newly hatched birds will have a ‘not perfected’ tune that is innate.  Wild members of the same species will sing the same song. 


Since domesticated birds will not be constantly exposed to the wild call, they will continue to sing the tune that they know, also picking up other domestic sounds and adding them to their collections.

Available for study three different ways: as traditional distance education (printed notes) or on USB or online.


There are twelve lessons as follows:
1. Introduction to Animal Health Care
2. Common Health Problems in farm animals and pets
3. Animal Behaviour
4. Signs of Ill Health
5. Veterinary Facilities
6. Safety Procedures
7. Administration of Animal Health
8. Animal First Aid
9. Preventative Health Care
10. Routine Health Treatments
11. Health Problems in Domestic Pets
12. Rehabilitation Care.


- To be able to describe the scope of services offered by animal care services, including veterinary practices.

- To be able to describe common health problems in various animals, including injuries & diseases.

- To be able to explain the natural behaviour of different types of domestic animals in different situations.

- To be able to identify common signs of ill health in different animals.

- To be able to describe the purposes of different facilities used in veterinary practice.

- To be able to determine safety procedures for a veterinary practice.

- To be able to describe different administration procedures in a veterinary practice.

- To be able to describe/select first aid procedures/treatments for different animals in response to common health problems in animals.

- To be able to describe requirements for maintaining good health in domestic animals, including nutrition & preventative medicine.

- To be able to develop an understanding of routine treatments for healthy animals.

- To be able to develop a broader awareness of health problems and their treatment in domestic pets.

- To be able to develop skills in caring for animals prior to, during or after treatment.



- Contact several bodies/organisations that are concerned with animal welfare, and obtain any literature or other information which you can, regarding issues such as: Restrictions placed by local councils upon the keeping of pets, Legal requirements placed upon farmers or pet owners, with respect to animal welfare.

- Find two different types of domestic animals which you can observe (i.e. different species).

- Observe each on two different occasions, for at least 15 minutes each time.

- Make notes of their behaviour.

- Note any similarities between behaviour on the different occasions, and between the different types of animals.

- Describe methods used for controlling/restraining animals during an examination

- List as many things as you can that might cause a dogs temperature to go to 40oC.

- Contact a state government veterinary/agriculture department, and find out anything you can about health risks to humans from domestic & farm animal diseases in your country.

- Try to determine what animals are the biggest threat; what diseases are a more serious threat, and what controls are in place to minimise such problems.

- List any animal diseases which may be also contracted by man, which you are aware of?

- Research exotic diseases in your country or region and take notes

- Design a standard "Patient record" card/form for use by a general practice veterinarian.