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Redundancy insurance is also known as ASU insurance or payment protection insurance and can be taken out if you have monthly loan repayments, credit card or mortgage repayments to make each month. Providing you are working full time and are aware of the exclusions which are in all policies, then redundancy cover could be a lifeline if you should find yourself unemployed through involuntary redundancy or out of work due to accident or long term sickness.

A redundancy insurance policy would begin to pay out usually once you had been out of work for 30 days or more and would continue to give you a lump sum which is tax free each and every month that you are out of work for up to 12-24 months.

You can take redundancy cover out in the form of mortgage payment protection insurance, loan payment protection insurance or income payment protection insurance and all policies work the same way and have similar exclusions which could stop you from being eligible to claim. Some of the most common include being retired, self-employed, not in full time work or if you suffer from a pre-existing medical condition. There are others and it is essential that you understand these before purchasing your cover.

Redundancy insurance can protect against the unknown but it has to be bought carefully and a good policy with a low premium will take some finding. The best way of securing the lowest premiums for your redundancy cover is to go with a standalone specialist.
Premiums do vary from provider to provider and you have to know where to look. However it is down to you to understand the conditions and key facts of your policy before purchasing to ensure that it is right for your circumstances and that you would be able to claim successfully.

Author: Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of redundancy insurance, loan protection insurance and income protection insurance.

Source: http://www.articlesbase.com

The biggest mistake that happens when getting a new cat is not taking it to a veterinarian for a routine checkup. There are some people who think that you only have to take a cat to the veterinarian when it is sick or hurt. This is one of the biggest misconceptions of owning a cat. There is much more to caring for your cat besides just food and water.

Did you know that there are a lot of diseases that can be prevented from a simple booster shot? The checkup and vaccinations should start shortly after they are born. Your veterinarian will know what vaccinations to give your cat or kitten and at what age and time. Not every cat will need to get the same vaccinations; it depends on whether you keep them indoors, outdoors, or both. Another factor is whether you have other cats or animals in the house. Let your veterinarian know what environment your cat lives in, it will give them the information they need to choose the right vaccinations for your cat.

All of our cats are indoor cats, but we still take them for annual checkups to get their booster shots. It gives me peace of mind that my cats have a better chance of not contracting a disease. They still can get a disease even after getting the booster shot, but the chance is smaller than without the booster shot.

Another good reason to take your cat in for routine checks is that you may not know that there is something wrong with your cat, but your veterinarian is trained and will know if something could be potentially wrong. And if you have been taking your cat to them for awhile, they will have a history of your cat documented, and most will know your cat and will recognize if something appears to be different on that particular visit. You can also help them with their routine examination by noting any changes that you may have observed in your cat since the last visit. You may not think that it is unusual or that there is not anything wrong with your cat, but it will help in determining your cat’s overall health. Any changes in your cat may not mean anything, but it is always good to keep your veterinarian informed of changes as they can write it down for any future reference in case something does arise and needs attention. There will still come times when you will need to visit the veterinarian before it is time for the next scheduled checkup for boosters. There are still sicknesses that the boosters do not prevent, so we take our feline friend in for a special visit. There will also be other factors not as threatening, unless ignored, that you will want to treat your cat for, such as fleas. Our cats get treated for fleas when they need it. I didn’t have to before, but we did bring a dog into the family and with him came fleas. So we do treat all of them or fleas, and I get a recommended flea treatment from my veterinarian.

It is very important for your cat’s health and well being that you make regular appointments with the veterinarian to receive their booster shots and an overall check. It will keep them healthy and happy, and they will reward you with lots of love.

Sharon Cowherd maintains Caring for Your Cat, a blog about her experiences and knowledge of caring for her cats. You can read more about Sharon and her cats at http://www.caringforyourcat.com

Author: SHARON COWHERD

Source: http://www.amazines.com/

Canine parvovirus, sometimes known simply as ‘parvo’ is a serious contagious disease caused by a virus. This illness is spread when dogs come into contact with the feces of infected animals. Dog parks, highway rest stops and popular walking trails in cities are areas where dog feces are often found, and where an unvaccinated dog may pick up the virus. Humans may also unknowingly bring the virus home on the bottom of their shoes or on their car tires, so dogs who never go outside the yard can still be infected with this disease. The virus can live in the soil or other contaminated surfaces for as long as six months.

Most animal shelters and kennels make every effort to avoid the spread of contagious diseases by cleaning the kennels with bleach, but any time that large numbers of animals are kept in close quarters, there is a possibility of infection, so keeping up on your dog’s vaccinations is always a good idea.

Although puppies are more commonly affected by this illness than adult dogs, both my brother and I once owned adult dogs who became seriously ill from canine parvovirus. Both animals had been vaccinated while in our care, but they were acquired after the dogs had reached adulthood, so they may not have received proper vaccination as puppies. Both dogs recovered, but only after several weeks of intensive in-hospital care.

Since this virus attacks the lining of the dog or puppy’s digestive system, the symptoms of the disease are diarrhea, vomiting, lethargy, lack of appetite, and bloody, foul-smelling stools. In addition to severe abdominal discomfort, bloody diarrhea and vomiting, the dog may also have a high fever, and congestive heart failure is possible. Severe symptoms may follow several days of gradually decreasing appetite. Illness usually becomes apparent from three to 12 days after the dog was exposed to the virus.

Obviously, this is a very serious disease, and immediate medical care is required to reduce the risk of death. The veterinarian will make sure to keep the dog from becoming dangerously dehydrated, which can keep the dog or puppy alive long enough for its own immune system to fight the disease. Antibiotics are not effective against this virus, but they are usually given to an infected animal to help prevent the occurrence of secondary bacterial infections, which can cause shock or septicemia. Secondary infections can occur without antibiotics because parvovirus suppresses the dog’s ability to make white blood cells. A blood test showing a low white blood cell count is one of the ways a veterinarian can make a diagnosis of canine parvovirus.

Because the illness causes severe dehydration, the dog will also be put on intravenous fluids, and the animal will probably need to stay under the doctor’s care a week or more. Because the gastrointestinal tract has been affected, the veterinarian may withhold food and water from the dog until the virus has come under control.

Unfortunately, some dogs and puppies who survive a bout of parvovirus can be affected by symptoms six months or more after the original symptoms, particularly if the virus has infected the heart.

To prevent infection, puppies must be vaccinated under the proper schedule, and they should not be taken outside the yard or introduced to any other dogs until at least two weeks after the last puppy shots are administered. Some veterinarians and dog breeders suggest that you avoid dog parks entirely, even after your puppy has been vaccinated, because of the possibility of picking up this or other contagious canine illnesses. If you adopt an older dog from the local shelter, you should take him to your veterinarian for a checkup and ask that he be vaccinated, unless the shelter administered routine vaccinations while the dog was in their care.

Author: Jonni Good writes about dog health and older dogs on her website at http://www.older-dog.com

Source: http://www.articlecity.com