Understanding Full Coverage Pet Insurance Benefits
Intro
The realm of pet insurance has become increasingly crucial for pet owners who seek comprehensive care for their furry companions. Full coverage pet insurance offers a broad spectrum of protection, from routine care to unexpected emergencies. In this article, we will examine the intricacies of full coverage pet insurance, focusing on its benefits, costs, and essential features. By understanding the various aspects, including the types of coverage available and key considerations, pet owners can make informed decisions tailored to their needs.
Coverage Options
When exploring pet insurance, it is important to examine the various options available. Different plans cater to a range of needs and preferences, ensuring that you can find the right fit for your pet.
Types of Coverage Available
Full coverage pet insurance typically encompasses the following elements:
- Accident Coverage: This includes costs related to injuries resulting from accidents, such as broken bones or cuts.
- Illness Coverage: Coverage for illnesses ranging from common infections to chronic conditions like diabetes.
- Routine Care: Some plans may cover vaccination, dental care, and annual check-ups, enhancing overall pet wellness.
- Specialist Care: Access to specialists for advanced treatment options may be included, depending on the policy chosen.
Research shows that having comprehensive pet insurance can significantly reduce out-of-pocket expenses for unforeseen events.
Liability Coverage Explained
Liability coverage typically addresses personal liability if your pet causes harm or damages property. This can involve:
- Coverage for injuries to other people caused by your pet.
- Coverage for damage to someone else's property.
Understanding this aspect can provide peace of mind, especially for active pets or breeds known for their high energy.
Key Considerations
Navigating the landscape of pet insurance demands a thoughtful approach. Here are critical factors to consider when selecting a policy.
Factors to Assess When Choosing Insurance
When evaluating different pet insurance options, consider the following:
- Cost of Premiums: Analyze monthly payments against what’s covered. A lower premium may not offer ideal coverage.
- Pre-existing Conditions: Determine how the insurer treats pre-existing conditions, as many will not cover these.
- Claim Limits: Understand how much the insurance covers per incident or annually.
- Reimbursement Process: Familiarize yourself with how claims are processed and estimated timelines for reimbursements.
Understanding Policy Limits
Each policy has limits that dictate the extent of coverage. It is essential to evaluate both:
- Annual Limits: This is the maximum amount the insurance will pay within a year.
- Per Condition Limits: Some plans may impose limits specific to particular health issues.
By grasping these limits, you can avoid unexpected financial burdens and utilize your pet insurance effectively.
Prolusion to Full Coverage Pet Insurance
Full coverage pet insurance has become an essential consideration for many pet owners. As pets are often viewed not just as animals, but as family members, ensuring their health and well-being is a top priority. This type of insurance offers more than just basic accident protection; it encompasses a range of services that contribute to comprehensive health care.
Pet health can be unpredictable and costly, which is why understanding full coverage is vital. It typically includes various elements such as surgeries, illnesses, and even preventive care. This breadth of coverage can alleviate the stress of unexpected veterinary bills, allowing owners to make decisions based on their pet's health rather than financial constraints.
Furthermore, full coverage policies often provide options and flexibility tailored to specific pet needs. For example, some plans might incorporate wellness checks and vaccination coverage, which can lead to long-term health benefits. Policy details can vary significantly among providers, which is why thorough research before selection is crucial.
In this article, we will delve deeper into the definitions, benefits, and limitations of full coverage pet insurance. Additionally, we will highlight how it compares to other pet insurance types and guide you through the selection process. To make informed choices, pet owners must internalize these nuances, as they play a critical role in safeguarding their furry companions' health.
"Investing in full coverage pet insurance is not just about health; it's an investment in peace of mind."
Understanding these aspects will enable pet owners to navigate the complex landscape of pet insurance with greater confidence.
Defining Full Coverage in Pet Insurance
Defining full coverage in pet insurance is essential for pet owners looking to protect their furry companions. Unlike traditional insurance plans, full coverage aims to provide a more comprehensive safety net. This type of coverage typically includes a broad spectrum of services essential for your pet's health care needs. To grasp the concept fully, one must consider the various elements and benefits that come with full coverage.
What Constitutes Full Coverage?
Full coverage usually encompasses a wide range of veterinary services. This includes routine check-ups, vaccinations, accidents, illnesses, and sometimes even alternative treatments. In practice, this means you can access different treatments without worrying about high out-of-pocket expenses. It is crucial to read the policy details to understand what is and isn't covered. For instance, some plans may include diagnostics like X-rays and surgeries, while others might exclude them, emphasizing the importance of clarity in terms.
Benefits of Full Coverage
The key benefit of full coverage pet insurance is the financial security it provides. Pet owners can seek necessary medical attention for their pets without hesitating due to costs. The peace of mind associated with knowing that most veterinary expenses are covered is significant. Full coverage can also allow pet owners to choose the best treatment options without being restricted by financial considerations.
Additionally, full coverage can simplify the management of your pet's health. You are less likely to face unexpected bills that strain your finances. This predictability can be a strong motivating factor for many pet owners. However, it is also important to consider the premium costs associated with such comprehensive policies.
Key Considerations
When considering full coverage pet insurance, it is vital to evaluate your pet's specific needs based on their breed, age, and health history. Furthermore, understanding the exclusions and limitations laid out by insurers can prevent future frustrations. Common pitfalls include overlooking waiting periods, deductibles, and co-pays, which can significantly affect your financial planning for your pet’s health.
Benefits of Full Coverage Pet Insurance
Understanding the benefits of full coverage pet insurance is essential for pet owners considering policies for their animals. This insurance category offers a robust protection plan for various unexpected veterinary expenses. The significance of these benefits lies in their ability to provide comprehensive care, financial security, and peace of mind. This section discusses those key advantages in detail.
Comprehensive Health Care
Comprehensive health care is a principal advantage of full coverage pet insurance. Unlike basic plans that may only cover accidents or a small set of procedures, full coverage policies typically encompass a wide array of medical services.
With comprehensive coverage, pet owners can expect protection against illnesses, accidents, surgeries, and even medications. Preventative care, such as vaccinations and routine check-ups, may also be included in some policies, ensuring a holistic approach to pet health. This is crucial because early detection of health issues can lead to better outcomes and potentially lower overall costs.
Moreover, some policies will cater specifically to chronic conditions, allowing for ongoing treatment without worrying about escalating costs. This broad approach to health care not only supports pets in maintaining their well-being but also alleviates the financial burden on owners, making it a solid investment for pet care.
Financial Security
Financial security is another pillar of the benefits offered by full coverage pet insurance. Pet emergencies can be costly, with veterinary bills potentially running into thousands of dollars. The financial implications can be overwhelming, particularly during unexpected situations like surgeries or extended hospital stays.
Full coverage plans help mitigate this risk. By paying a monthly premium, owners can confidently face veterinary expenses knowing a substantial portion is covered. This can be critical in maintaining a pet's health without delay. Rather than choosing between financial strain and their pet’s health, owners can make decisions based on the best care options available.
It is vital to analyze the cost of premiums against potential veterinary expenses. Often, the amount saved during one significant illness or accident can outweigh years of premium payments. Hence, this insurance becomes a tool for financial planning and peace of mind.
Peace of Mind for Pet Owners
The psychological aspect of owning a pet comes with its share of worries. By having full coverage pet insurance, pet owners can experience a reduced level of stress regarding their pet's health. No one wants to find themselves in the position of choosing a treatment based solely on cost rather than what is best for their pet.
With robust insurance coverage, owners enjoy the benefit of making health decisions rooted in care, rather than in monetary constraints. Knowing that costs will be taken care of allows owners to focus on what truly matters—the well-being of their cherished companions.
Limitations and Exclusions of Full Coverage
Understanding the limitations and exclusions of full coverage pet insurance is crucial for future policyholders. Even if a plan advertises full coverage, it may not cover everything an owner thinks it does. Awareness of these constraints can prevent surprises and facilitate informed decisions.
Pre-existing Conditions
Pre-existing conditions are one of the most common exclusions in pet insurance policies. These are health issues that existed before the policy's start date. Insurance providers will not cover treatments related to these conditions.
This means if a pet has an ongoing issue such as diabetes or arthritis, the owner should expect to pay out-of-pocket for any treatments. This policy prevents insurance from providing coverage on issues that were known before the policy was taken.
Veterinary records usually inform insurance providers about past ailments. Therefore, owners should assess their pet's health history when considering insurance. Knowing these limitations allows pet owners to explore other options.
Age Limitations
Age-related exclusions are another factor affecting insurance coverage. Many companies impose age limits for new policies, often excluding pets that are older than a certain age. For instance, some insurers may not cover pets over a specific age, typically around 8 to 10 years.
Additionally, older pets may have higher premiums or reduced benefits. Since older pets are more likely to have health issues, insurers often see them as higher risk. Therefore, their calculations can lead to higher costs or limited coverage. Owners should consider this if they plan to insure a senior pet.
Specific Breed Restrictions
Some insurance policies may impose restrictions based on a pet's breed. Certain breeds are more prone to specific health conditions. As a result, insurers could choose to exclude coverage for those breeds due to perceived risk.
For example, hip dysplasia is common in larger breeds like German Shepherds. Some policies might refuse coverage for related conditions in those breeds entirely. Pet owners should research if their chosen insurance covers their pet’s breed extensively.
Comparing Full Coverage to Other Types of Pet Insurance
The comparison of full coverage pet insurance to other types is crucial for pet owners seeking the best protection for their companions. Understanding different options provides clarity on what policies offer, how they function, and what coverage fits best with individual needs and budgets.
When considering pet insurance, it's vital to assess the breadth of coverage. Full coverage pet insurance includes a wide range of services, such as accidents, illnesses, and even sometimes wellness care. In contrast, narrower options—like accident-only insurance or wellness plans—serve specific purposes. This distinction helps pet owners identify suitable insurance based on health needs and preferences.
Accident-Only Insurance
Accident-only insurance is a type of coverage that provides financial assistance specifically for accidents. It does not cover illnesses, which can leave significant gaps in a pet owner's safety net.
- Cost-Effectiveness: Accident-only policies are generally cheaper than full coverage ones. This can appeal to pet owners looking to save money.
- Limited Scope: The drawback is evident. An illness that requires treatment will not be covered. This can lead to unexpected financial burdens if a pet develops health issues.
- Suitable Scenarios: This insurance type may suit younger pets with low risks of serious health issues. However, as pets age, their likelihood of needing illness coverage increases.
Wellness Plans
Wellness plans, on the other hand, focus more on preventive care rather than comprehensive health insurance. They often include services such as vaccinations, annual check-ups, and dental cleanings.
- Preventive Care Priority: These plans emphasize routine care to avoid serious health problems later on.
- Coverage Limitations: Similar to accident-only policies, wellness plans do not cover accidents or illnesses. Therefore, if a pet faces a sudden health crisis, owners must rely on separate insurance.
- Ideal for Healthy Pets: Wellness plans can be beneficial for young, healthy pets needing routine care. However, as pets age, a transition to a more inclusive plan may become necessary.
In summary, while comparing full coverage pet insurance to accident-only policies and wellness plans, pet owners must consider their pet's health, age, and risk factors. A holistic understanding ensures that they choose the most fitting protection for their furry family members.
Understanding the Cost of Full Coverage Pet Insurance
Understanding the financial aspects of full coverage pet insurance is crucial for pet owners. The cost impacts the decision-making process significantly. pet insurance can vary widely based on multiple factors. Knowing what to expect can help owners make informed choices. Full coverage insurance provides peace of mind and security, but it also involves a financial commitment. This section explores essential factors that contribute to the premiums, breakdown of average costs, and the balance between cost and the benefits of having such policies.
Factors Affecting Premiums
Various factors influence the premiums associated with full coverage pet insurance. The following are key elements:
- Pet's Age: Older pets typically incur higher premiums due to increased health risks.
- Breed: Certain breeds are predisposed to specific health conditions, affecting the pricing. For instance, bulldogs or German shepherds may have higher rates than a mixed breed dog.
- Location: Geographic location plays a role in pricing. Urban areas may charge more compared to rural regions because of different vet costs and services.
- Coverage Level: The chosen level of coverage impacts the premium. Opting for higher coverage limits or lower deductibles often results in higher costs.
- Optional Add-ons: Some policies offer optional add-ons for additional features, which can increase the overall premium.
Each of these factors contributes to the insurance cost, making it necessary for pet owners to evaluate what is most relevant to their unique situation.
Average Cost Breakdown
The average cost of full coverage pet insurance varies significantly based on various factors mentioned earlier. Generally, the monthly premium for dogs can range from $30 to $70, while for cats, it might be between $15 to $50. Here’s a simplified example of average costs:
- Dogs:
- Cats:
- Small breeds: $20 - $40
- Medium breeds: $30 - $50
- Large breeds: $50 - $70
- Domestic short-haired: $15 - $25
- Exotic breeds: $25 - $50
It is important to consider that these are estimates and actual costs can differ. Factors such as the pet's breed, age, and geographic area will lead to significant variability.
Cost vs. Benefit Analysis
When evaluating full coverage pet insurance, owners must weigh the costs against the potential benefits. This analysis involves examining:
- Potential Vet Bills: Serious illnesses or accidents can lead to unexpected expenses. Average veterinary costs can balloon into thousands of dollars, especially in emergencies. Full coverage can alleviate some of these financial burdens.
- Routine Care: Some plan cover preventive care costs, including vaccines and check-ups, which is essential for overall pet health. Comparing routine care costs without insurance versus with it will provide clarity on the value.
- Long-term Savings: While there is an upfront cost, having full coverage could lead to savings in the long run. Major surgery or chronic condition management without insurance can be financially devastating.
Ultimately, understanding the dynamics of cost versus benefits encourages pet owners to consider how much coverage they need. They can look into potential scenarios where having insurance could save them money and stress in the future.
"Investing in pet insurance is investing in your pet's well-being and your peace of mind."
Pet insurance is not just a cost; it represents a commitment to the health and safety of pets. Evaluating these aspects enables better insights into selecting the right coverage.
The Claims Process in Full Coverage Pet Insurance
The claims process in full coverage pet insurance is a crucial component that can significantly impact the overall experience of the policyholder. Understanding how to navigate this process is vital for ensuring that you receive the full benefits of your insurance. A transparent claims process builds trust, offering reassurance during times of stress when your pet needs care.
Submitting a Claim
Submitting a claim usually starts with gathering necessary documents. You may need to provide veterinary invoices, receipts, and possibly a medical history of your pet. Each insurer may have different requirements, so it's important to read your policy carefully. Most insurance companies allow claims to be submitted online via their website or mobile application, making it convenient. Be sure to include all necessary documentation to avoid delays in processing your claim. If you have any doubt, calling customer service for guidance can be useful.
Reimbursement Policies
Reimbursement policies vary considerably among insurance providers. After the claim is submitted, many companies follow a process to review the claim against your policy's terms. The reimbursement you receive might depend on your chosen deductible and the percentage of coverage you selected. Some plans offer a set reimbursement rate, typically ranging from 70% to 90%. You need to keep the terms of the policy in mind to understand what you can expect during this process.
Common Pitfalls in Claims
Navigating the claims process can have its challenges. One common pitfall is unintentional omissions in paperwork, which can lead to delays or claim denials. It’s crucial to be thorough when providing information. Another issue is misunderstanding your coverage limits or exclusions, such as pre-existing conditions covered in your policy. This misinterpretation can lead to unexpected out-of-pocket expenses. Always keep a copy of your claims and communications for your records to track progress and follow up if necessary.
"Understanding the claims process can alleviate stress and confusion when the time comes to utilize your policy."
By being proactive and informed about the claims process, pet owners will be better equipped to handle any situation that may arise. This understanding ultimately leads to a more satisfying insurance experience.
Selecting the Right Full Coverage Pet Insurance Provider
Choosing the right provider for full coverage pet insurance is crucial. The quality of coverage and customer service can greatly influence your pet's health care experience. Different insurance companies have varied policies, benefits, and claims processes. Therefore, understanding what to look for in a provider will help ensure that your pet receives the best possible care without unnecessary financial strain.
Researching Options
Start by identifying multiple full coverage pet insurance providers. Use reputable websites to research various plans available. Create a side-by-side comparison table for easier reference. Focus on specific aspects of each plan, such as:
- Coverage Details: Look closely at what is included in the coverage. Some plans might cover only accidents, while others cover illnesses, prescriptions, and more.
- Deductibles and Premiums: Compare different deductibles and how they impact your monthly premium. A higher deductible might mean lower premiums, but weigh that against potential out-of-pocket costs during vet visits.
- Network of Veterinarians: Check if the provider works with veterinarians in your area. Some companies require you to use specific providers, which can limit your options.
By thoroughly researching your options, you ensure that you make the most informed decision.
Reading Reviews and Testimonials
After narrowing down your choices, reading reviews can provide insight into the experiences of other pet owners. Look for testimonials on trusted platforms, such as social media or dedicated pet insurance review sites. Pay attention to:
- Claims Process Ease: Owners often mention how smooth or complicated the claims process is. This can be a crucial factor in your overall satisfaction with the coverage.
- Customer Support Responsiveness: Evaluate how well companies handle inquiries or grievances. Reviews can reveal strengths and weaknesses in customer support.
It’s essential to gauge both positive and negative feedback. This balanced understanding can aid in making a well-rounded choice.
Customer Service Considerations
Good customer service matters in any insurance arrangement. You want a provider who responds promptly and effectively when you have questions or claims issues. Consider the following:
- Availability of Support: Does the provider offer support through various channels, such as phone, email, or live chat? Having multiple points of contact can be a lifeline during emergencies.
- Ease of Access to Information: Ensure that the provider has a user-friendly website and a straightforward claims process. The clearer the information, the fewer misunderstandings you may encounter.
When selecting an insurance provider, consider customer reviews as much as policy details. The right provider values your time and peace of mind.
Selecting the right full coverage pet insurance provider is about finding a balance between comprehensive coverage and excellent customer support. These elements work together to create a seamless experience.
Common Misconceptions About Full Coverage Pet Insurance
One common misconception is that full coverage means all veterinary expenses are completely covered without any limits. In reality, many policies have certain caps on payouts. While full coverage may offer a broad range of services, it does not guarantee that every single cost is reimbursed. Pet owners should closely examine the specifics of their policy to know the limits and exclusions.
Another prevalent myth is that full coverage pet insurance is unnecessary for pets that are generally healthy. People often think that if their pet is not showing any health issues, insurance is a waste of money. However, unexpected pet health problems can arise at any moment. The cost of treatments for accidents or sudden illnesses can be substantial. Having a full coverage policy allows pet owners to be prepared for the unexpected and avoid high out-of-pocket expenses.
Some owners also believe that a full coverage policy will cover routine care, such as vaccinations or dental cleanings. While some policies may include wellness add-ons, these services are often not included in standard full coverage plans. It is essential to differentiate between preventive care and full coverage insurance to avoid disappointment when submitting claims.
It’s crucial for pet owners to read the fine print of their policies to understand what is truly covered.
Additionally, there is a misconception that age or breed restrictions hinder accessibility to full coverage pet insurance. While some companies may impose certain restrictions, many providers offer various plans that cater to older pets or specific breeds. Owners should not assume a lack of options based solely on these factors. Instead, an extensive market research can lead to finding the right insurance suitable for their pet’s unique needs.
Understanding these misconceptions is vital for making informed decisions. Educated pet owners can make better choices regarding their insurance options. This helps in securing both their financial future and the well-being of their pets.
Tips for Maximizing Your Pet Insurance Benefits
Maximizing the benefits of your pet insurance is crucial for ensuring your pet receives the best possible care without overwhelming financial stress. This is particularly important in today's landscape, where the cost of veterinary services continues to rise. Understanding how to fully utilize your policy can save both money and emotional strain in times of need. This section discusses two key practices that help pet owners optimize their insurance benefits: regular vet visits and keeping detailed records.
Regular Vet Visits and Preventative Care
Routine veterinary visits are essential. These appointments allow for early detection of health issues, potentially before they become serious. Regular check-ups will often fall under the coverage of full coverage pet insurance policies. Not only do they maintain your pet's health, but they also help ensure that your insurance policy remains active.
Preventative care can often include vaccinations, dental cleanings, and wellness exams. These services are typically covered, which means you can provide a higher standard of care for your pet while also taking full advantage of your insurance.
Moreover, establishing a good relationship with a veterinarian often pays off in the long run. A vet familiar with your pet's history can provide better care and may even assist in navigating claims for your insurance.
Keeping Detailed Records
Documentation is critical when you deal with pet insurance. Keeping detailed records of your pet's health history, treatments, and any communication with your insurer can enhance your experience significantly. For instance, maintaining notes on vet visits, prescriptions, and any changes in health can be invaluable when filing a claim.
Additionally, precise records aid in tracking your pet's ongoing health and can help you make informed decisions about future veterinary care.
To summarize:
- Schedule regular veterinary visits to take advantage of preventative care.
- Keep detailed health records for efficient communication with your insurer.
"An informed pet owner not only protects their financial interests but also ensures their pet is receiving optimal care."
By following these tips, pet owners can maximize their pet insurance benefits, ensuring a healthier and more secure future for their beloved animals.
The Future of Full Coverage Pet Insurance
The realm of full coverage pet insurance is continually evolving, reflecting broader trends in both pet ownership and the insurance industry. Understanding the future of this coverage is crucial for pet owners who wish to safeguard their pets' health while managing their finances smartly. As veterinary medicine advances, so too does the necessity for comprehensive insurance plans that meet the ever-changing needs of pet care.
Trends in Pet Care Insurance
Recent trends indicate a growing acceptance of pet insurance among pet owners. With increased awareness about the potential costs associated with unexpected veterinary care, more people are opting for policies that provide extensive coverage. The following factors contribute to this trend:
- Increasing Veterinary Costs: The prices for vet services have risen due to advanced treatments, diagnostic technologies, and medication. Pet owners are now more inclined to invest in coverage that protects against these costs.
- Shift Towards Preventative Care: There is a heightened understanding of the importance of preventive health care in pets. Many insurance providers are beginning to cover routine check-ups and vaccinations, which reflects a shift towards proactive health management.
- Customization of Policies: As the market matures, pet insurance companies are offering more customizable options. Pet owners can select plans that precisely fit their pet’s health needs and lifestyle, providing a tailored approach to coverage.
These trends signify a robust future for full coverage pet insurance, as it adapts to the changing landscape of pet health and ownership.
Technological Innovations
Technological advancements are significantly impacting the future of full coverage pet insurance. New technologies foster greater efficiency and transparency in the pet insurance sector. Key innovations include:
- Telemedicine Services: Many companies are integrating telemedicine into their offerings. This allows pet owners to consult with veterinarians remotely, thus making the process more convenient and often less costly. Offering this kind of service can enhance policy appeal and provide better overall care to pets.
- Mobile Apps for Management: Tools are being developed that allow pet owners to manage their insurance policies directly through their smartphones. These apps facilitate everything from submitting claims to accessing medical records, making the insurance experience smoother.
- Data Analytics: Insurers are increasingly utilizing data analytics to better understand risks and customize premiums. This practice aids in creating more personalized insurance quotes and can lead to financial benefits for responsible pet owners.
Technological innovations will likely enhance the integration of pet insurance into routine care, ensuring that pets receive optimal care while owners manage costs effectively.
"To stay competitive, pet insurance cannot afford to be stagnant; it must evolve with the needs and technologies of the day."
By keeping a close eye on these elements, pet owners can make informed decisions about full coverage pet insurance that will serve them and their beloved companions well into the future.
The End: Is Full Coverage Right for You?
Deciding whether full coverage pet insurance is appropriate for you is not a straightforward choice. It involves assessing the needs of your pet, your financial situation, and your peace of mind as a pet owner.
Full coverage typically offers extensive benefits that include not just emergencies but also routine care. These aspects can significantly alleviate financial pressure when sudden medical events occur. Some pet owners prioritize comprehensive health coverage for their pets, particularly if their animals have pre-existing conditions or are breeds known for certain hereditary issues. This intentional choice can often translate to long-term savings, as the vet bills can pile up quickly.
Consider also the limitations. Full coverage plans may come with higher premiums. These monthly costs can seem daunting but often correlate with reduced out-of-pocket expenses when the need arises. It's crucial to examine these premiums against your ability to pay potential vet bills without insurance. For some, the comfort of knowing they are covered in case of significant medical expenses outweighs the worry about regular insurance payments.
A relevant aspect is how your choice aligns with your perception of pet health care as a priority. If your pet is part of the family and its health is non-negotiable, full coverage might be the right direction. Conversely, if you incline towards preventive care and are comfortable footing the bill for routine visits, you might explore more basic insurance options.
"The decision for or against full coverage pet insurance should reflect your unique circumstances, considering both your pet's potential health issues and your financial situation."
To summarize, fully understanding the specifics of full coverage pet insurance is essential. Many elements affect your decision, including costs, benefits, and your pet’s health needs. Weighing these factors thoughtfully allows for an informed choice tailored to what you need for yourself and your pet.
