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Insurance for Pets

Koala rescue dog Taylor gave Australians hope in fires – Insurance for Pets



Taylor, the rescue dog for koalas, victims of the Australian fires. (YOUTUBE SCREENSHOTS)

2020 a harsh year, bereaved by the new coronavirus of course, but which began with the terrible images of another drama: the monster fires that ravaged Australia. Eleven million hectares went up in smoke in four months, and according to several associations at least a billion animals killed, trapped in the fires. Among them, 12% of the population of koalas, vulnerable animals, which feed only on eucalyptus, a particularly flammable tree. So the images of their ordeal went around the planet, cases of rescues which unfortunately often ended in the death of koalas, victims of too deep burns.

A tragic painting, in the middle of which a couple made the Australians smile again, in this case a dog and her master that we could see everywhere, from CNN to France 24: Taylor, a four-year-old Springer spaniel, and Ryan Tate, the one who trained her to spot Koalas to save them. All it takes is one word: « Seek! » so that the dog can sniff the surrounding tree trunks. « I taught him to recognize the smell of koalas’ coats, explique Ryan Tate, an odor which when the air is stable descends along the eucalyptus trees where they have taken refuge, so it stands in front of and indicates their presence to us. « 

But when a forest has just been ravaged by a fire and the air is saturated with carbon, Taylor uses another technique: to spot the needs, the excrements of the injured animals. It indicates a location, which is then passed through the thermal camera filter and this is how the healers find the animals. With this technique, Taylor saved a dozen of them last January. Animals that have been taken care of and, rare as they are so fragile, survive and be released.

Sure, sniffer dogs can’t save everyone, but Taylor’s story at least shed light on the pressure on animal species like the koala struggling for survival in a land where their forest habitat is disappears in favor of roads, subdivisions, fields. When the dog lights up and repairs the damage indirectly caused by the way of life of men, yes, it deserves a star.

Catégories
Insurance for Pets

Mobile killing unit gets the right to exist – Nieuwe Oogst – Insurance for Pets


The use of a mobile killing unit (MDU) will be possible in the Netherlands. Minister Carola Schouten of LNV writes this to the Lower House.

The European Commission has proposed some adjustments to the hygiene rules for food of animal origin. Minister Schouten draws the conclusion from this that scope is offered for initiatives such as an MDU.

For some time now, there has been a request from Germany, where there are several initiatives around MDUs, to expand the possibilities. In order to actually make the use of the MDU feasible, Schouten would like to be able to transport a few animals by transport, just as with the pilot with the slaughterhouse in Dokkum.

The Risk Assessment & Research Agency has drawn up a list of risks that guarantee food safety, animal welfare and animal health when MDUs are introduced. Applying and enforcing this on both current and upcoming regulations reduce the risks. According to Schouten, this appears from a recent analysis.

Catégories
Insurance for Pets

Pet of the Week: Meet Silas! – Insurance for Pets


Photo: Animal home Arnhem and surroundings

VELP – Silas is a six month old male. He was brought to us together with two brothers and a sister. The first weeks they grew up in the wild. In the beginning they were very shy at the animal shelter.

Silas is the “look cat out of the tree” type. He’s been at the animal home for 4 months now, but he still doesn’t feel comfortable with people too close. He doesn’t like to be petted. Silas wants to play with the caretakers with a fishing rod, he will also come to you for sweets. So he is somewhat socialized, but will never become a real house cat. He is toilet trained.

The Zoo is looking for a place for Silas with people who have a lot of patience and experience with cats and who live in a quiet environment where he can roam freely. Preferably in the countryside.

He must have access to a warm place to sleep, food and drink and if necessary medical treatment. The animal shelter does not know how he will react to dogs and / or other cats. Silas will have to be able to go outside in his new home.

Zoo Arnhem & surroundings, located on the Larensteinselaan in Velp, is a welcome temporary shelter for many pets. These pets all deserve a new home, give these animals a second chance!

The origin of the animals varies, but in general they just had a lot of bad luck. Every week the Animal Home proclaims one of the animals as ‘PET of the WEEK’. This week it’s Silas.

Number: 29502.

More information:

Are you interested? Are you giving Silas a second chance?

Then contact Dierentehuis Arnhem & environs. This can be done by calling 026 – 36 19 861, or emailing [email protected]. You can of course also come by during opening hours on Monday to Saturday from 1:00 pm to 4:30 pm.

If you would like more information about Zoo Arnhem & surroundings, or would you like to support them, please visit:

Easily follow the news from rheden.nieuws.nl? Like our Facebook page, follow us on Twitter or LinkedIn and Instagram or receive our daily or weekly newsletter for free.

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Insurance for Pets

Again poison designed for pigeons in Worms – Insurance for Pets


City pigeons shape the cityscape in many inner cities.
(Photo: dpa)

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This article was originally published on December 19th, 2020 at 2:20 pm.

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Insurance for Pets

You may have to wait longer for a vet appointment during the pandemic. Here’s why. – Insurance for Pets


Catégories
Insurance for Pets

what are the guarantees to watch? – Insurance for Pets


Mandatory for tenants as well as for owners of housing located in a condominium, home insurance is not just another administrative step to be completed. And for good reason, it can cover the French for many claims and assist them in the event of problems. You still have to choose the right insurance, and in particular check the risks it supports. Because yes, depending on the contracts, the guarantees are not the same …

When it comes to purchasing home insurance, price often plays a big role. However, if the latter remains a non-negligible point in our choice of insurance, it must in no case constitute the main criterion. Conversely, the basic guarantees of the contract (and the options) are decisive. And depending on the specifics of your accommodation, some are more essential than others.

What is a guarantee in his home insurance contract?

By subscribing to a home insurance contract, your insurance company is committed. This commitment consists of assisting you in the event of a claim and reimbursing you in the event of costs. For example, if your ceiling is damaged as a result of water damage caused by your neighbor, the insurer will cover all your repair costs, and may even advance them for you. Water damage is therefore a risk that your insurance covers: this compensation is therefore a guarantee.

And there are many more. Unfortunately, the so-called “multi-risk” insurance of the various players – and in particular the guarantees they offer – can sometimes lack clarity and transparency.

What are the basic guarantees to check?

There are several guarantees in basic home insurance to cover you against risks of all kinds.

– Civil liability guarantee – To cover you for damage that you (or your children, ascendants living under your roof, your animals, your objects or even people you employ at home …) have caused to third parties, through recklessness or negligence .

– Rental risk guarantee – To cover the accommodation for all damage created or suffered: explosion, fire, water damage, etc. Does not however cover damaged goods. Insurance for rental risks is compulsory for tenants.

What are the additional guarantees to which to subscribe?

Minimum guarantees are often insufficient. This is why many French people opt for “multi-risk home insurance”, which includes cover linked to rental risks but also other, more complementary ones. So check the ones that seem essential to you and that apply to your situation (tenant, owner-occupant, etc.) and to the particularities of your accommodation.

Depending on the offers of the different insurers, furniture, clothing, household appliances, valuables and even beautification work that you have done at home may be covered. You will therefore be compensated if they are damaged.

Living in an area at risk, prone to landslides, floods or the like, natural disaster insurance is more than recommended to compensate you in the event of a disaster. If this guarantee is included in many multi-risk insurances, checking its presence before taking out the contract remains highly recommended.

Finally, to compensate you in the event of theft or burglary, there is a guarantee provided for this purpose, included in the “comprehensive home insurance”. However, not all insurers compensate stolen (or vandalized) items at the same level. These amounts differ greatly according to the different insurance contracts.

Compare the different home insurance policies on the market today with lecomparateurassurance.com

This content was produced in partnership with lecomparateurassurance.com. The editorial staff of BFMTV did not participate in the production of this content.

In partnership with lecomparateurassurance.com

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Insurance for Pets

« 8:30 p.m. in festivals ». The snow photographer – France 2 – December 19, 2020 – Insurance for Pets



Jérémie Villet, 28, winner of the Wildlife Photographer of the Year 2019 « Rising Star », is a young star of wildlife photography. He is not afraid of the cold and likes to blend into snowy landscapes, as beautiful as they are hostile, to capture wildlife.

This son of farmers, born on a farm in the middle of fields in the Yvelines, very quickly wanted to become an animal photographer. If he has gone to the four corners of the world alone to live out his passion, it is near his home that the magazine « 8:30 p.m. on holidays » (Twitter) followed him, not far from Mont Blanc …

The mountain hare, the ptarmigan …

Jérémie Villet follows in the footsteps of small animals that are particularly difficult to photograph, because when winter comes, to protect themselves, they turn white as snow to protect themselves … Like the mountain hare, called Blanchon, and the ptarmigan, or snow partridge …

A report by Marc de Langenhagen, Yoann Périé and Guillaume Salasca.

> Replays of France Télévisions news magazines are available on the Franceinfo website and its mobile application (iOS & Android), « Magazines » section.

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Insurance for Pets

‘Animal production is becoming more sustainable on a limited number of points’ – Insurance for Pets



Wageningen Economic Research has drawn up a Monitor Progress Sustainability of Food Chains for the animal protein and fish domain to provide insight into the progress that the Dutch food sector has made on the most important sustainability issues in the last period. The monitor is intended to provide government and industry with a broader insight into the sustainability of Dutch food.

The researchers state that progress has been made in the environmental impact of the cultivation of animal feed raw materials and also with regard to the use of antibiotics in livestock farming. Less progress has been made in improving animal welfare, air quality, energy consumption, lowering methane emissions, health, safety and welfare of employees and manure management.

The turnover of sustainable eggs and dairy increased in 2019. But growth in the share of meat with a Beter Leven quality mark has been stagnant for 3 years. The share of organic meat, fish, dairy and eggs has been lagging far behind the growth of other labels for a number of years. There is no clear increase or decrease in welfare violations and barn fires.

Nitrogen and phosphate emissions have decreased in recent years and are below the established nitrogen and phosphate ceiling. There are still exceedances of the water quality target of the Nitrates Directive. Waste and residual water from the processing industry in the Netherlands has no significant impact on the environment. This is because process water is first cleaned before it is discharged.

Livestock, fisheries and processing are making progress in energy efficiency. Generating energy yourself is not going so fast in these sectors. Dairy farming is lagging well behind the target of generating 16% of its own energy consumption itself.

Sickness absence among employees in the livestock sector has increased slightly. The number of fatal accidents in livestock farming was considerably lower in 2019 than in previous years. No figures are available for the processing industry and retail.

Air quality is an important concern. Since 2010, emissions from agriculture such as particulate matter, nitrogen dioxide and ammonia have increased or decreased slightly. Furthermore, methane emissions have risen again after a significant reduction between 1990 and 2010.

More information can be found in the report Monitor Progress Sustainability of Food Chains Animal proteins and fish.

You can read the full report here.

source: Agrimatie Wageningen University Research, 14/12/2020


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Insurance for Pets

Dog poisoning turns out to be a contagious virus: “A terrible disease” – KW.be – Insurance for Pets


A few cases of the contagious canine disease parvo have recently surfaced in Wenduine. It turned out that the virus was brought to a hobby breeder via a customer from Kortrijk, but according to vet Guy Soetaert the situation is under control. « It concerned a few isolated cases. »

Kris Steen and Martine Roosen wanted to warn the neighborhood about dog poisoning, but in the end it turned out to be the parvovirus in most cases. © WK WK


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In Wenduine, stories have been circulating for a while about dog poisoning in the vicinity of the Astridpark and Noordzeelaan. Kris Steen saw it as his civic duty to warn dog owners through our newspaper. “Something like that causes a lot of suffering. And I can’t imagine that playing children would come into contact with that poison, ”he says. Kris and his wife Martine also own two dogs. “The shock is good here,” says Kris. “And not only with us: you are an exception in this neighborhood if you don’t have dogs.” However, according to vet Guy Soetaert, it turned out to be parvo, a very contagious virus that mainly occurs in young puppies. “There have been a few autopsies in the lab of the Faculty of Veterinary Medicine at Ghent University. Each time it turned out to be parvo, a virus that is actually not common here anymore. Our pets are also vaccinated for it. But recently a new, virulent strain has been on the rise in a number of countries. ” However, according to Soetaert, there is no reason to panic. “The virus can linger in your house for up to two months, but it usually concerns isolated cases that, if strictly quarantined, can be quickly brought back under control. For the time being, I don’t see any new cases popping up in the region. ”Keep indoors Erna Vris lost four dogs to the virus. “All died in a few days,” she says. “Parvo is a terrible disease; the animals just bleed out. First they get diarrhea and they start vomiting, but then it is actually already too late. I will keep the other dogs indoors until the end of the year. I don’t want to have it on my conscience that other dogs would get infected by me. ”A new, virulent strain is on the rise in a number of countries. He too was confronted with a sudden dog death. “My niece’s dog to be precise. Still a puppy, she just had the animal. She had taken it for a walk near Astridplein, and two days later it was dead, ”he says. According to Peter, in this case it was never confirmed that it was a poisoning. “The lab result was negative. But it wasn’t parvo either. The dog was vaccinated against it. ”Temik According to veterinarian Guy Soetaert, poisoning occasionally occurs in the region. “Last summer there were a few cases in the Blankenberge-De Haan region. Fortunately not on a large scale. But this is an extra reason to always keep the dog on a leash. ” Veterinarian Peter Breemersch also recently received two reports in De Haan. In this case, it concerned cats that were poisoned with Temik, a dangerous pesticide that has been banned in our country for years but is sometimes still used by hunters to kill foxes. “The poison – red balls – was processed in pieces of fish. Anyone who does such a thing must be aware that even a small dose of Temik is fatal for humans ”, he warns. Police Commissioner Dennis Goes calls for always filing a complaint in case of animal poisoning. « We take this seriously. »

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Insurance for Pets

The dirty business with the smuggling puppies – Insurance for Pets


Mnchen – The demand for puppies is currently increasing. This is not only due to the Christmas season, says Kristina Berchtold from the Munich animal shelter. The pandemic has increased demand – a result of social isolation. « With home office and short-time work, more people are at home alone, » says Daniela Schneider from the animal welfare organization Vier Pfoten. The problem with this is that the high demand for puppies cannot be met by reputable breeders and animal shelters.

Traceability of dealers impossible

The situation is taken advantage of by criminal traders who illegally offer puppies for sale via online platforms such as quoka or Ebay classified ads. The advertisements, often disguised as loving hobby breeding, actually hide dogs from Eastern European « puppy factories ». For the retailers this usually means a lucrative business, as the anonymity on the Internet means that no tracing is possible. « It’s all about profit, the animal is degraded to a commodity, » says Schneider.

500,000 puppies are brought to Germany every year

According to an EU study, so the pet campaign manager, 50,000 puppies are traded between European countries every month. Around 500,000 puppies are brought to Germany every year, mostly from Southeastern Europe, Bulgaria, Poland, Hungary, Serbia or Romania. The animal welfare organization Vier Pfoten recognizes a connection with the pandemic: With the corona-related border closure at the end of March, the ads for puppy sales on online classifieds portals fell by 67 percent by the end of April. The animal shelter confirms that the dog dealers no longer crossed the borders into Germany with their puppies « produced » abroad. What sounds like a blessing for animal welfare has bitter consequences for animals: since the borders were reopened, transit has been booming.

The dams are often mated under cruel conditions

« There is a mafia network behind it, » says Schneider. Various actors are involved: The multiplier who lets the dogs « produce », in other words: the dams are covered in a multiplier station « like on an assembly line » – often under cruel conditions. « They vegetate for years in tight shelters or boxes. » There is also the transporter who collects the animals and brings them to Germany, says Schneider. The next step is the handover by the retailer, while the Spher keeps an eye out.

Disregard of the testing phase

The German Animal Welfare Ordinance stipulates that puppies have to stay with their mother for at least eight weeks. If they are imported from abroad, they have to be 15 weeks old – that is, old enough for the mandatory rabies vaccination. In the illegal trade, however, they are separated much too early, according to animal protectionist Berchtold, and often show behavioral disorders because the testing phase is crucial for their mother.

Gift tips: These are the best Christmas albums 2020

Traumatisierender Transport

They also have « diseases such as diarrhea, worms, or parvovirus, which are highly contagious, and from which they often die ». In addition, they are often traumatized by transport: The animals come to Germany unvaccinated in narrow vans, trunk spaces or hidden under benches, according to the four-paw spokeswoman. « This year we had animals that were put in a banana box, without air vents, hidden in a transporter, » says Schneider. In the animal shelter, the puppies then have to be quarantined for months due to legal regulations. « They are isolated in the phase of life in which they actually needed learning experiences, just like social contact with people and other dogs, » says Berchtold.

Animal shelter calls for higher penalties for illegal animal trafficking

The animal shelter has long called for more effective measures and higher penalties for illegal animal trade. Fees and custody costs are usually taken into account by the dealers, the spokeswoman said. « Our approach is to deny the criminal trade access to the market, » says Schneider. Four paws plead for traceability and regulation of trade. So pet sellers should be identifiable, only registered dogs should be offered. « Anonymous advertising must become impossible, unfortunately nothing has happened at the federal level. »

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Insurance for Pets

Do you know about DHA? The essential fatty acid for dogs and cats – Insurance for Pets


Posted on 12/16/2020 at 12:59 p.m.

Written by Alexander Godin the category Conso


Photo d’illustration

DHA is known to be the ally of the health and the cerebral faculties of the dog and the cat. It intervenes in various other ways in the well-being of the animal. Hence the importance for the latter to dispose of it in sufficient doses.

The essential fatty acids are precious in more ways than one for the health and development of various capacities in the dog and the chat. They are all the more so as the organisms of our pets only synthesize them very little. It is therefore necessary to guarantee the contributions through thefood and complements. Among fatty acids Omega 3, the gave is of a capital importance for our 4-legged friends. What are the roles DHA? How to get your dog or cat to receive it enough ?

The roles of DHA in the body of dogs and cats

The DHA, ou acide docosahexaénoïque, is a fatty acid polyunsaturated belonging to the omega 3 family. It is found in significant proportions in cell membranes of neurones, more especially in the areas of the synapses. These essential fatty acids are also key components of photorécepteurs from retina.

For dogs and cats, DHA is essential for activity functional neurons, which it helps to ensure fluidity. He also participates in the protection of nerve cells and the transmission of nerve impulses.

In addition, docosahexaenoic acid intervenes by promoting the stopping of inflammations, avoiding their passage to chronicity.

Its action is crucial at different stages of the life of the dog and the cat. At the young animal (puppy and kitten), DHA takes part in the development of the brain and cognitive especially. At the senior animals, it is essential for the proper functioning of the organs, in particular the brain, the retina, the kidneys and the elements of the cardiovascular system.

Our pets cannot synthesize what DHA in small quantities, while it fills multiple capital missions. They draw it from their meal daily, but also in supplements that we give them in a way that is studied and adapted to their needs.

Why marine omega 3s are better for our pets

There are a variety of sources omega 3. They can be original terrestrial plant, such as those extracted from soybeans or flax or of marine origin.

Omega 3 polyunsaturated essential fatty acids of the DHA type are exclusively derived from marine environment, either directly from plankton or from fish oil. They accumulate them in their fat after ingesting the plankton.

The method of producing DHA directly from algae, cultivated in controlled environments in the open air or in fermenters, has the advantage of avoiding contamination by contaminants, to preserve the environment, since these organisms absorb large amounts of CO2 and therefore reduce our carbon footprint, and finally to fight against overfishing, since half a ton of fish is needed to obtain a liter of oil.

Resolution 3: a supplement specially formulated to cover the specific needs of the animal in DHA

Extra charge riche in DHA, Resolution 3, of the brand Arcanatura, responds to quantitative needs of the animal in this essential fatty acid, since its production from microalgae (Crypthecodinium cohnii ) makes it possible to obtain very high concentrations greater than 400 mg / ml which are perfectly assimilable.

Read also: Homeless, this man knocks on all doors to ask for money. When she finds out that he wants to save her dog, her reaction is immediate!

The product comes in the form of a bottle of 30 or 75 ml, provided with pompe airless for a optimal conservation, protected from light and without contact with air.

The recommended dose is 20 mg/kg, to be added to dog or cat food. It is 10 mg / kg when it comes to prevent senescence in senior animals.

Resolution 3 is available on the Arcanatura brand website.

Catégories
Insurance for Pets

Lemonade arrives on the French market – Insurance for Pets


After Germany and the Netherlands, the American insurance company Lemonade arrives in France. Since December 8, 2020, it is thus possible to subscribe to its home insurance offer for tenants, 100% digital and guaranteed without paperwork. What consequences for the insurance market? Can Lemonade win in France?


  • In short: everything you need to know about the arrival of Lemonade in France
  • In the United States, Lemonade has been offering home insurance for tenants and owners since 2016;
  • In November 2020, insurtech also launched insurance coverage for pets;
  • Its model is based on artificial intelligence and behavioral economics;
  • After Germany and the Netherlands, Lemonade continues to invest in the European market and launches its home insurance offer for tenants in France;
  • Since December 2020, consumers can thus subscribe online, in a few seconds;
  • The French offer is available from 4 euros per month, and integrates Lemonade’s annual “Giveback” program, which is at the heart of its insurance model.

Insurance: Lemonade sets out to conquer Europe

Today, the history of the American insurance company Lemonade is known to many. And for good reason, this company has come to shake up the US market thanks to an innovative model. Its home insurance offers, launched in 2016 in New York, integrating artificial intelligence – or AI – and behavioral economics, embody the renewal of the insurance world, which is constantly changing. In the United States, Lemonade not only offers homeowners and renters insurance, but also pet health insurance.

In France too, the insurance market is changing, and insurance companies have a lot to do with it.

Lemonade’s customer experience has been designed for its ease of access and use. This insurtech, an insurance company whose offer exploits the advantages of technological innovation to optimize its products and services, offers its customers instant claims reports from its mobile application. The other selling point of Lemonade: its prices. Its offer is very accessible, flexible and digital – three important characteristics these days, in line with the expectations of contemporary consumers. In France, companies such as insurance Luko have been working in this direction for several years. Their goal is to extricate themselves from the traditional world of insurance, considered too opaque and limiting, to create a new one, more transparent and reimagined thanks to technology.

After the arrival of Lemonade in Germany and the Netherlands, many expected the launch of its insurance offer in France, and it is now a reality. Since December 8, 2020, French tenants can subscribe to Lemonade coverage for their home in just a few clicks. If we are to believe the words of Daniel Schreiber, CEO and co-founder of Lemonade, the arrival of his company on the French market was only a matter of time: “ Home insurance is compulsory in France, which makes it an essential opportunity for Lemonade ».

Lemonade: insurance at the service of society?With its annual “Lemonade Giveback” program, assurtech enables its clients to support causes close to their hearts. The goal ? That the insurance is no longer  » A necessary evil  » more  » a social good “, Is it written on its official website. Unlike most traditional insurance players, Lemonade charges a fixed fee for its operations. Thus, at the time of subscription, the insured can choose a non-profit organization. And once a year, part of the unused contribution funds are transferred to these organizations selected by the clients.

Lemonade: what home insurance for the French?

In its official press release, Lemonade details the advantages of its insurance offer for French consumers. Its product is based on Police 2.0, ie “ a new insurance policy adapted to the codes of the 21st century: a short document understandable by all, breaking with the dense and secular policies that dominate the market », Is it indicated.

To date, it is therefore possible to subscribe online – via the website or the mobile application – to insurance policies for tenants, and this from 4 euros per month. Everything is very fast, 100% digital. According to assurtech, its policies “ include more extensive coverage than the insurance policies available on the French market, in addition to being non-binding « . It gives the example of one of its optional guarantees, making it possible to cover not only theft at home, but also throughout the world. Lemonade says aim at  » elimination of paperwork and immediacy ».

The arrival of Lemonade on the French insurance market could represent a real challenge for traditional insurers.

« While the insurance market in France is one of the most developed worldwide, Lemonade brings a product that stands out in the eyes of French consumers by its unique blend of advantages, value, and by its technology, offering the possibility to get insurance that is both committed for social good and fully personalized, all in just a few clicks Daniel Schreiber explains in the company’s press release. Everything suggests that Lemonade’s philosophy could well conquer the French market. Consumers today are more careful when they engage with a company. They not only want to pay for a quality product at a reasonable price, but also to ensure good company practices.

At the heart of its announcement, Lemonade therefore does not hesitate to detail its “Giveback” program as part of its French offer. Assurtech chose eight beneficiary associations: the League against cancer, En avant tout (s), Surfrider Europe, Le Refuge, the HP-HF foundation, 350.org, Les Restos du cœur and Médecins sans frontières. For Nicolas Noguier, president of the association Le Refuge, with this “ virtuous model […] insurance becomes a solidarity act ».

On July 2, 2020, Lemonade went public.

Catégories
Insurance for Pets

in Senlis, the ravages of wild boars despair this corn farmer – Insurance for Pets



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One hour from Paris, the department of Oise, its vast forests, and its hundreds of hectares of fields … ravaged by wild boars. They would be 30,000 to have found refuge there. The damage reached 1.2 million euros for the department – and nearly 80 million nationally. The magazine « Pièces à conviction » broadcast on December 16, 2020 an investigation into this invasion.

Near Senlis, François Desclaux cultivates 500 hectares of corn, rapeseed and vegetables. This 33-year-old farmer hesitated for a long time before taking over his father’s farm. Today, he is discouraged by the extent of the damage. Damage that his parents did not know.

« Once they put the corn on the ground, then they eat everything »

« It’s getting worse », He explains to the journalists of « Exhibits », before taking them to see a damaged plot. Twenty hectares of corn have become a field of desolation. Almost all feet are on the ground. The work of a year has been reduced to nothing. « This is all boars. »

François has tried everything to make them leave: firecrackers, flashing lights, alarms… But the wild boars always end up coming back, as in this video he filmed with his son a few weeks before.

For all of his cultivated plots, François estimates the losses at more than 50,000 euros. What to consider changing profession … « It is hopeless, he confides. The damage, the fact of not knowing if we will be able to harvest something … it’s worrying. « 

Extract from « The wild boars of discord, the hidden face of an invasion », an investigation to see in « Exhibits » on December 16, 2020.

> Replays of France Télévisions news magazines are available on the Franceinfo website and its mobile application (iOS & Android), section « Magazines ».

Catégories
Insurance for Pets

Monitor phosphate and nitrogen excretion in animal manure – Insurance for Pets


Commissioned by the Ministry of Agriculture, Nature and Food Quality (LNV), the Central Bureau of Statistics (CBS) will draw up a calculation of the phosphate and nitrogen excretion of Dutch livestock after the end of each quarter of 2020.

The calculation has been prepared as closely as possible with the system that Statistics Netherlands uses for the regular annual reporting to the European Commission on phosphate and nitrogen excretion of livestock.
The quarterly reports form the basis for a quarterly assessment moment.

This report is the third quarter of 2020 and contains a snapshot of the phosphate and nitrogen excretion to the state of the cattle herd on 1 October 2020.

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Insurance for Pets

Dogs of people prone to diabetes are also at risk, study finds – Insurance for Pets


Research shows that people with dogs with type 2 diabetes are 38% more likely to have it themselves.

It is often said that dogs look like their owners, well the similarities seem to be able to go beyond what one imagines. Indeed, according to a study published in the British Medical Journal, the risk of diabetes is more common in owners with diabetic dogs as reported by The Guardian.

A not so surprising finding

From old studies, it seems that an overweight owner tends to have an overweight pet too. This phenomenon is probably explained by a common eating behavior, overeating, and little physical exercise, two factors favoring the onset of type 2 diabetes. As a result, the risk of type 2 diabetes increases in the animal … as with his master.

To reach these conclusions, Beatrice Kennedy, from Uppsala University in Sweden, and her colleagues turned to anonymous data from animal owners at Sweden’s largest pet insurance company. By comparing data from 208,980 owner and dog pairs and comparing them to 123,566 owner and cat pairs, they found that owning a diabetic dog resulted in an increased risk of type 2 diabetes in the owner. Risk climbing 38% compared to owners of healthy dogs.

Diabetic cats do not share this similarity with their owners

Conversely, no shared risk of diabetes was detected among cat owners. This lack of risk shared between cats and their owners may indicate that physical activity is an important factor. « Cats generally adopt more independence from their owners when it comes to their movements, » explains Beatrice Kennedy. Thus, a not very active cat can have a very dynamic owner.

More physical activity and better eating habits for dogs and their owners

« Given previous research on shared risk [de surpoids] between dog owners and their animals, we believe that shared eating habits as well as levels of physical activity could be involved, « says the researcher. Thus, more physical activity and a better diet could improve the condition of health of owners and their doggies.

Other avenues considered

However, environmental exposures such as pollutants or chemicals could also partly explain these conclusions, as the scientist points out. But in any case, a diagnosis of diabetes in a household member, including a dog, should be seen as a signal of a need to reassess our health behaviors.

Read also: 95% of French people say they are sensitive to the concept of animal welfare

Catégories
Insurance for Pets

French West Indies: shark attack claims one victim – Insurance for Pets



The inhabitants of the small island of Saint-Martin (Caribbean) are in shock. The beach, usually very busy, has been deserted for several days, indicates 19/20 in its edition of Saturday, December 12. It is here, 150 meters from the shore, that a 38-year-old woman, settled on the island for a month, lost her life while swimming after a shark attack on Thursday, December 10. Alerted by her screams, the people on the beach called for help, who were unable to save her.

« Unfortunately she was dead, she was transported to the beach, where injuries were spotted. The fire department could not do anything. », explains Mikaël Doré, secretary general of the prefecture of Saint-Martin. The victim’s left leg was torn off. The autopsy of the swimmer’s body confirms that the bites are indeed from a shark, probably a tiger shark. This attack is the first for twenty-five years on the island. Dives are currently being carried out to verify that there are no other sharks.

The JT

The other subjects of the news

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Insurance for Pets

Why a natural deodorant deserves a prominent place in your bathroom cabinet – Insurance for Pets


Why choose a natural deodorant?
Care products often contain controversial ingredients. The fact that ingredients are harmful to humans and animals is unfortunately often less important in today’s industry than a low price and fast effectiveness.

Say no to controversial, harmful ingredients

When we look at deodorants, we see that aluminum is a common ingredient. You can imagine that it is not exactly beneficial to your health that a type of metal enters your body through your skin. Some believe that aluminum in deodorants is even carcinogenic.

As such studies receive more and more attention, many manufacturers are now marketing aluminum-free deodorants. This is a step in the right direction, but a small one. Because often these deodorants are still full of parabens, plastics and various emulsifiers. It is not for nothing that people often experience unpleasant physical reactions such as irritation and itching after applying such deodorants.

Say no to animal ingredients
Conventional deodorants also often contain animal ingredients. Fortunately, the demand for vegan products (products without animal ingredients) is growing more and more, but so is the supply of so-called vegan care products. Therefore, pay close attention to the correct certification. Look for the European Vegetarian Union’s V-Label or the Vegan Society England’s vegan flower to make sure you’re in the right place.

Does a natural deodorant really work?
Choosing a natural deodorant has many advantages, but the most important element is of course its effectiveness: You want deodorant to stop unpleasant odors and reduce perspiration. Is that possible with a natural product? Absolutely!

Ben & Anna Natural Care is a brand that has been developing natural care products, including deodorants, for years. Ben & Anna’s natural deodorants are just as effective as conventional deodorants. They contain natural baking soda, which neutralizes the sweat odor immediately after application. In addition, arrowroot ensures that excess moisture is absorbed, making the armpits feel dry.

Do you have sensitive skin? Then take a look at the Sensitive series by Ben & Anna. These deodorants have been developed on the basis of magnesium and zinc for people with sensitive skin. All Ben & Anna deodorants are available in different scents, contain 100% natural ingredients and are vegan, aluminum, animal test and plastic free. They do not crumble or leave a residue. So go for a deodorant that is good for your well-being, animal welfare
and the environment!

This article was created in collaboration with GreenAds.

Catégories
Insurance for Pets

Christmas Dangerous For Your Pets: Cat Needs Lifesaving Surgery – Insurance for Pets


Photo Unsplash

The Saint has only recently returned to his swimming pool in Spain or the Christmas trees are already twinkling in many living rooms. All that cosiness can also lead to unconscious victims. The trees, wreaths and decorations are not good for our pets.

Dutch vet Rimi Koch recently removed a garland of Christmas decorations from a kitten’s intestine. “It was a major operation,” he warns EditieNL. « I had to open the intestine in four places to get it out. » The sling clogged the kitten’s intestine. « Fortunately, the owners were quick because this is very dangerous. »

Danger lurks in small corners

Not only the Christmas decorations pose a risk to pets, the vet explains further. “The Christmas wreaths you have on the table are dangerous for dogs. Chocolate is so poisonous it can be deadly. Many people don’t think about it, but the tree’s needles are also poisonous. They can also cause wounds in the intestine, because they are very sharp. They really shouldn’t receive that. ”

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Insurance for Pets

How to find the right dog school – Insurance for Pets


December 11, 2020 – 9:54 am Clock

Herten (dpa / tmn) – With a well-behaved dog, life is easier: If dogs pull on the leash or other conspecifics growl at him, this not only means a burden for the owner. Dogs are also stressed when they don’t know what is expected of them.

That is why many people decide to attend a dog school with their animal. At the moment it is not that easy to find a place due to the corona pandemic: Some dog schools currently only offer individual training, others do not accept new customers for the time being – the regulations differ depending on the region.

What does my dog ​​want to tell me?

Basically, the dog school is about learning to understand your animal, to interpret its behavior, to react appropriately and to give the right signals.

But how do you find a dog school that suits your needs and the animal? « It makes sense not to choose the first school you come across, but to ask around first, » advises Melanie Schneider. She is a dog trainer and owner of the Via Nova dog school in Herten.

Other dog owners are a good source of recommendations. « Most dog owners are well connected because they meet and talk to other dog owners when they go for a walk, » says the expert.

You should also take a look at the school’s website: « You should see what qualifications the instructors have and whether they can present a certificate of competence, » says Schneider.

Ideally, the trainers should already have a long practical experience. « If you have a particular problem, you should also look to see if there is someone nearby who specializes in it, » recommends Schneider.

No use of questionable resources

It is also important that the training is animal-friendly. « Sometimes there are initial clues on the website, others can be inquired about or you notice it during the first training session, » says Schneider.

For example, the school should not use tools that cause pain or fear in the dog. « These include chain, pull and spiked collars, electric shocks and water pistols. »

In addition, reward rather than pressure or submission should be used by reinforcing the dog’s positive behavior.

Some dogs benefit from group training

It is best to book one-to-one training first to get to know the dog school. Whether you decide to train in a group or alone with the dog is a matter of taste.

Some dogs have little contact with other dogs. « Then it makes sense to attend a group training course in which the animals can freely seek contact and play with each other, » says Katrin Umlauf, consultant for pets at the German Animal Welfare Association in Bonn.

Individual lessons enable more intensive training

But there is also a lot to be said for individual lessons: the more intensively a trainer can concentrate on the individual dog, the more precisely he can work on certain problems. « Individual training is particularly useful for dogs that have been conspicuous in the past, » says Umlauf.

The training units should not overwhelm the dog, never be too long and always end with an experience that is positive for him.

Literature:

Melanie Schneider, Maria Rehberger: Mantrailing for family dogs. Step-by-step instructions for beginners and advanced users. Easy Dogs Publishing House. Euro 24.95. ISBN 9783947773053.

© dpa-infocom, dpa: 201210-99-639383 / 3

Source: DPA

Catégories
Insurance for Pets

How to take care of your animal during confinement? – Insurance for Pets


How to reconcile confinement and health of your pet? For the second time this year, after the first containment last spring, the strict restrictions put in place to combat the spread of the coronavirus epidemic from last October 29 sowed confusion among some pet owners , ill-informed about their right or not to go to a veterinarian, or anxious to stay at home as much as possible for fear of being contaminated in a practice. But between home consultation or teleconsultation, alternatives exist.

Veterinarians have not closed

During this second confinement, the veterinary care establishments were able to remain open, by implementing a strict sanitary protocol, detailed by the National Order of Veterinarians (making prior appointments, regulating client access, respecting barrier gestures, hand disinfection and wearing a mask).

Bring a veterinarian to his home

But what if we are unable to move, no veterinarian is near our home, or have simply feared going to a clinic for fear of being infected? It is possible to have a veterinarian come to your home for emergencies, but also for more traditional care or vaccination.

This is what the company Drmilou.fr offers in particular, whose founder Christophe Le Dref was Thursday the guest of France is moving, on Europe 1. The objective was to « facilitate the journey of the owner of the pet to more easily access home care », he explains.

Because, he adds, if veterinary emergencies « are rather well addressed in France (…) we have found that on the side of classic home consultation, to make the vaccine of his animal or consultations of ‘bobology’ , there was a demand « .

This home consultation can be useful in particular for cats, which represent approximately 85% of cases treated by Drmilou.fr, because they are often more complicated to take to the veterinarian. « They are quite stressed animals, » confirms Christophe Le Dref.

Of course, this additional service comes at a slightly higher price than a clinic consultation. « We start at 69 euros for travel and consultation, » said the guest from Europe 1.

What about telemedicine?

In France, veterinary telemedicine is only at the experimental stage, started in May. « A decree from the Ministry of Agriculture and Food published in the OJ of May 6 authorizes for the first time in France veterinarians to carry out remote consultations and to resort to expertise via digital tools », details the ministry de l’Agriculture on its website. This experiment must be the subject of an evaluation report at the end of 2021.

But this experimentation has limits, and is not possible in all cases. « To carry out a teleconsultation, the veterinarian must have seen the animal in the 12 months preceding », specifies Christophe Le Dref.

On the Drmilou side, however, everyone can have access to remote advice. « Someone who has a question about nutrition, wonders how he can feed his dog, can contact us, and a veterinarian will give him general advice », explains Christophe Le Dref.

Catégories
Insurance for Pets

The Compagnie des Animaux attacks Germany and enriches its service offering – Insurance for Pets


The Compagnie des Animaux, a group specializing in veterinary care insurance, announced its arrival in Germany on Thursday, « a market to conquer»Because still relatively unstructured. According to the president of the group Jérôme Salord, only “6% to 7% of dog and cat owners in Germany are insured”, Ie a proportion similar to that existing in France.

The Lyon group, which operates the SantéVet, Bulle Bleue and Jim & Joe brands, has a team of nine people to clear this country, including three veterinarians who will present the brand to German professionals. A television campaign is planned for the second half of 2021, said Mr. Salord, during a press conference. The arrival in Germany, after Belgium and Spain, was initially scheduled for June but was delayed by a few months by the health situation.

During the same event, the Compagnie des Animaux presented two new services: the advance by the insurer of all veterinary costs, the remainder to be paid, if it is greater than 50 euros, which can be reimbursed in three times. And the launch of an online appointment booking platform with the veterinarian. The service is free, the Compagnie des Animaux remunerates itself when sending reminder SMS.

Mr. Salord noted that his company had suffered little from the crisis on the whole: “the impact of the Covid should be 2 growth points less compared to an initial forecast of + 15% in 2020».

Catégories
Insurance for Pets

In the United States, you can no longer fly with a pig or a turkey – Insurance for Pets



An American Airlines plane, December 2, 2020 (COOPER NEILL / AFP)

Inflation was such that it had become unmanageable. In the United States, airlines have seen pigs, parrots, monkeys, ducks (and its variants: goose, turkey …), miniature horses or even a peacock that its owner absolutely wanted to ride. edge.

After two years of thinking and consulting all over the place to try to frame things – and to satisfy everyone, from owners to flight attendants – the Department of Transport has made its decision. He went as far as possible by authorizing only one species in the cabin, man’s best friend: the dog. Without distinction of race or size. A dog in duplicate if necessary. But no more furry, feathered or scaled creatures, unless of course they fit in a hermetically sealed cage that you can slide under the seat.

Passengers can therefore now board only with an « assistance » dog, that is to say specifically trained to help you if you have a disability. We are obviously not going to ban you from traveling with a guide dog for the blind.

But in the United States, there is another category, « the emotional support animal », registered as such with its identity card. An animal that until now could also accompany you free of charge in the cabin, whatever its species. Provided you notify the company 48 hours before the flight, and produce a medical diagnosis letter mentioning your psychological or psychiatric problems, and the fact that you could not travel without your two or four-legged companion.

For example, a comfort animal can help you cope better with depression or bereavement, and to control anxiety or panic attacks. As such, it was possible to travel with your turkey or pig, keep it on your knees or walk it down the center aisle to help you pass the ordeal of travel.

In 2017, United Airlines recorded more than 750,000 requests for transportation for emotional support animals (almost twice as many as the year before), and it has been steadily increasing. All the companies ended up being completely overwhelmed.

But ithe animals are rarely trained: they are simple pets, which their owners consider a source of comfort, not beasts used to behave properly during several hours of flight in a confined environment.

While many scientific data indicate that being nearby or living with animals has undoubtedly benefits, some owners have abused this provision, after all, it is nicer to have Médor travel next to you rather than in the hold, especially if you don’t have to pay for the ticket.

The problem is, some animals have turned out to be just as uncivilized as their owners. Last summer, an American Airlines flight attendant received five stitches after being bitten by an « emotional support » dog. Many such incidents have given rise to legal proceedings. Certain animals representing a danger for the flight crew or passengers.

Not to mention the indignant reactions of other travelers, allergic to cat hair, indisposed by the smell of a turkey or the growls of a pig. Lhe airline industry considered for a while to request a certificate certifying that the animal knew how to behave correctly: it was a bit complicated. She limited herself to asking that the animals be clean and do not emit an odor.

In 2018, however, American Airlines had to issue new guidelines to prohibit comfort animals from occupying a full seat or snacking on food on their seat shelves. After several bad experiences, she also ended up banning ferrets, hedgehogs and goats, poultry and snakes, but not dwarf horses, who know how to behave well. From now on they will no longer have the right to fly in the cabin.



Catégories
Insurance for Pets

Market research for 2020 examining size, growth, manufacturers, segments and forecasts for 2024 – Cryptodaily.nl – Insurance for Pets


Global Dieta Veterinário Pet Market Report is an overview of the global market, with the main focus on factors driving and hindering the market. This will help investors get a clear picture of the aspects to focus on and how to economically support the market worldwide. The impact of the prevailing regulatory scenario on both the regional and global Dieta Veterinário Pet market is detailed in this report.

Receive a sample copy of the report
www.absolutereports.com/enquiry/request-sample/14244724

Market overview:
-The pet veterinary diet market was valued at USD 9,540 million in 2018 and is expected to be worth USD 13,130 million by 2024, registering a CAGR of 5.6% during the forecast period. Veterinary diets consist of animal foods specially formulated to aid in the treatment of diseases and conditions of a diagnosed disorder in an animal. These veterinary diets are formulated to treat a variety of problems in pets, such as itching, digestive problems, obesity, allergies, etc. Pet food manufacturers are increasingly changing their product variants, making them suitable for the welfare of pets, and thus , driving the market. Based on different types of segment, companies are developing products, to meet the needs of pet owners, thus improving the retail industry. Category-wise product development, based on the lifestyle, age, size, and diet-specific needs of pets, is believed to be a major driver for the increasing demand for the researched market. The number of people shifting to the vegan diet is growing, so is the popularity of vegan pet food in countries such as the UK and others. It is not only the vegan owners who ensure the provision of a plant-based diet for their pets, but also the non-vegan consumers purchasing vegan pet food. This strengthens the pet veterinary food market in these countries.

The report also presents the market competition landscape and an accompanying detailed analysis of the major suppliers / manufacturers in the market. The main manufacturers covered in this Dieta Veterinário Pet market industry report:

– Mars Inc.
– Hill’s Pet Nutrition Inc.
– Nestle SA
– Nisshin Pet Food
– WellPet LLC
– Blue Buffalo Pet Products Inc.
– iVet Professional Formulas
– Farmina Pet Foods
– Forza10 USA
– The Higgins Group Corp

Main Market Trends:

-Increase trend for smaller families Driving Pet Adoption

-Rapid urbanization in major developing countries around the world has led to the growing preference of couples to have smaller families. The increasingly urban nature of society, resulting in the separation of farm animals and nature, is stimulating the desire to bring pets into the home. Due to social comfort, the company, safety and the aesthetic sense offered by pets, the trend of adopting animals is increasing. High standards of living, expensive health care, and high educational standards have led to a decline in the number of children and an increase in the adoption of pets, such as dogs, cats and birds. This trend, in turn, is expected to drive the growth of the veterinary pet diet market in the long run. outnumbers that pet population of children in various countries, such as Brazil and Japan. Animals are being adopted and treated as family members due to changing demographic trends such as late marriages and lower fertility rates. For example, the current fertility rate in Brazil is 1.77 children per woman, and is expected to fall to 1.66 children per woman in 2060, according to the Brazilian Institute of Geography and Statistics (IBGE). This increases the demand for pets, as well as pet / veterinary products, which in turn helps the growth of the studied market.

-North America dominates the global market

-According to the American Pet Association Products 2017-2018 Property Survey, 68% of American households own a pet and spend an average of $ 300 a year on pet food and treats. As North America accounts for 31% of pet food production worldwide, along with the huge demand for pet care, this is driving the American pet diet market. The main distribution channels through which the US provides pet diets are mass retail stores, pet superstores, online sales, niche specialists, supermarket chains, pharmacies and agricultural supply stores. According to Packaged Facts’ first quarter 2018 United States online survey, pet owners displaying online pet diet sales is the main driver of the market, contributing to 14% of pet consumers making a purchase in the last seven days and the other 31% in the last 30 days. The US pet diet market is highly concentrated with some major players such as Nestlé, Mars, Big Heart, Colgate, and Blue Buffalo. Blue Buffalo made its entry into the therapeutic pet food market where Colgate-Palmolive holds a 60% share dealing with specific health conditions in the pets market. In addition, 16% of U.S. households purchase pet food with pre / probiotic ingredients, thus driving the pet diet market in the United States.

Market dynamics: –
?? Drivers: (developing regions and growth markets)
?? Limitations: (regional, problems with key players, future growth barriers)
?? Opportunities: (regional, growth rate, competitive, consumption)
The report provides important statistics on the market status of the Dieta Veterinário Pet market manufacturers and is a valuable source of guidance and direction for companies and individuals interested in the Dieta Veterinário Pet.

Please inquire or share your questions before purchasing this report – www.absolutereports.com/enquiry/pre-order-enquiry/14244724

The main questions answered in the report are:
?? What will the size of the Dieta Veterinário Pet market and growth rate be in 2024?
?? What are the main factors driving the global Dieta Veterinário Pet market?
?? What are the main market trends influencing the growth of the
global Dieta Veterinário Pet market?
?? What are the challenges for the growth of the Dieta Veterinário Pet market?
?? Who are the main suppliers in the global Dieta Veterinário Pet market?
?? What are the market opportunities and threats facing the suppliers in the global Dieta Veterinário Pet market?
?? Trending factors influencing Dieta Veterinário Pet market shares of the relevant regions.
?? What are the main results of the five forces analysis of the global Dieta Veterinário Pet market?
Studiedoelstellingen van Veterinary Diet Pet Market Report:
?? To provide a detailed analysis of the market structure along with the Dieta Veterinário Pet market forecast of different segments and sub-segments of the Dieta Veterinário Pet market
?? Provide insight into factors influencing and influencing market growth
?? To provide historical, current and projected market segment revenues based on material, type, design and end user
?? Providing historical, current and expected revenues of market segments and sub-segments related to regional markets and key countries
?? Provide strategic profiling of key market players, comprehensively analyze their market shares and core competencies and establish a competitive landscape for the market
?? To provide economic factors, technology and Dieta Veterinário Pet market trends influencing the global Dieta Veterinário Pet market

Detailed TOC of Global Dieta Veterinário Pet Market – Growth, Trends, Forecasts and Challenges
1 Introduction
1.1 Research results
1.2 General assumptions of the research
2. Research methodology
2.1 Introduction
2.2 Methodology analysis
2.3 Studiefasen
2.4 Econometric modeling
3. Summary
4. Market overview and trends of Dieta Veterinário Pet Market
4.1 Introduction
4.2 Market Trends
4.3 Porter’s Five Force Framework
4.3.1 Negotiating position of suppliers
4.3.2 Negotiating position of consumers
4.3.3 Threat from new entrants
4.3.4 Threats with Replacement Products and Services
4.3.5 Competitive industry rivalry
5. Marktdynamiek van Diet Veterinary Pet Market
5.1 Directors
5.1.1 Increase production
5.1.2 Rising demand
5.2 Limitations
5.3 Features
6. Global Dieta Veterinário Pet market segmentation, by capacity
7. Global Dieta Veterinário Pet market segmentation, by material type
7.1 Type 1
7.2 Type 2
7.3 Type 3
8. Global Dieta Veterinário Pet market segmentation, segmented by region
8.1 North America
8.1.1 United States
8.1.2 Canada
8.1.3 Rest of North America
8.2 Asia Pacific
8.2.1 China
8.2.2 Japan
8.2.3 India
8.2.4 Rest of Asia Pacific
8.3 Europe
8.3.1 United Kingdom
8.3.2 Germany
8.3.3 France
8.3.4 Russia
8.3.5 Rest of Europe
8.4 Rest of the world
8.4.1 Brazil
8.4.2 South Africa
8.4.3 Other
9. Competitive landscape and introduction of Dieta Veterinário Pet market
9.1 Introduction
9.2 Market Aandeel Analysis
9.3 Developments of major players
10. Key Vendor Analysis (overview, products and services, strategies)
10.1 Company 1
10.2 Company 2
10.3 Company 3
11. Disclaimer
And much more??.

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Catégories
Insurance for Pets

Points for attention when renovating with pets – Insurance for Pets


If a renovation is planned, it is important to take your pets into account. A guinea pig or hamster in a cage is of course easy to move, just like birds and fish. With dogs and cats that have more room to move, that is just a different story. It may be that your dog or cat experiences stress when suddenly all kinds of things are going on in the house. Therefore, keep the following points of attention in mind to make the renovation for your pet as stress-free as possible.

Extra space and movement

Do you have a cat that also goes outside? A cat flap with chip gives your cat the freedom to leave and come back. If you’re going to renovate and don’t have a cat flap yet, that’s the perfect time to install one. The advantage of the chip is that you do not get all neighborhood cats to visit. During the renovation it is possible to let your dog go out to stay. For example, purchase a dog leash at Petsplace to let your dog walk on a leash and safely. Isn’t it possible to let your dog stay with family or friends? Then provide a quiet place in the house where your dog can stay relaxed. This also prevents your dog from running away during the renovation.

Create a place in the garden

If you have a garden, it is also possible to have your dog stay there temporarily during the renovation. During the day, because when the construction workers are gone, you naturally let the dog back in. It is important that your dog has shelter from the sun and from rain and wind. Is there no option to give your dog space in the garden or its own place in the house? In that case it is also possible to temporarily accommodate your dog in a dog boarding house if there is no known place to stay. This is of course also possible if you have a cat that is always in the house and does not come outside.

Get used to the new situation

Pets are usually creatures of habit. For example, a cat finds it very strange when a new bathroom or kitchen is suddenly installed. The cat really has to get used to that. There are new scents, but also new materials and perhaps other obstacles. In that regard, a dog gets used to the new situation just a little faster. Of course it also depends on the type and size of the renovation.

Also read:

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Insurance for Pets

There is no danger from cats with coronavirus – Insurance for Pets


The case was found in the veterinary laboratory of the Vetsuisse Faculty of the University of Zurich, as the FSVO announced on Thursday.

Individual cases of the new corona virus in cats and dogs are known worldwide. Almost all of these animals came from households with people who tested positive for Sars-Cov-2. This also applies to cats that tested positive in Switzerland. It was examined as part of a research project.

The FSVO continues to write that the risk that pets will be infected with the new corona virus is rated as very low. An examination of cats is usually not necessary. It can be assumed that the animals were infected through close contact with an infected person.

Comply with hygiene rules
That is why it is important that infected people comply with the general hygiene rules with cats. The following hygiene rules are important: No close contact between animals and people, no licking their faces, no sleeping of the animals in the owner’s bed, washing hands regularly and thoroughly cleaning food bowls and resting places.

For animal welfare reasons, it is strongly advised not to wash or disinfect the animals or put on face masks.

Infected cats show no symptoms or if they do, they usually show mild symptoms. Symptoms of the disease were usually not observed in infected dogs.

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Insurance for Pets

à quoi pourrait finalement ressembler le 15 décembre – Insurance for Pets


[DECONFINEMENT] Après la réouverture des magasins le 28 novembre dernier, une nouvelle étape du déconfinement doit avoir lieu le 15 décembre prochain. En théorie.

[Mise à jour du mardi 8 décembre 2020 à 10h42] La prochaine étape, celle du déconfinement, le vrai, alors qu’il n’était jusque-là question que d’allègement du confinement, doit avoir lieu au 15 décembre, selon le calendrier dévoilé par le président de la République le 24 novembre dernier. Le chef de l’Etat avait toutefois imposé la double condition de ne pas dépasser les 5 000 nouveaux cas positifs au Covid par jour, et d’être dans la fourchette de 2 500 à 3 000 patients en réanimation. Or, nous n’y sommes pas : d’après le bilan de Santé publique France publié vendredi 4 décembre, plus de 11 200 nouvelles contaminations avaient été enregistrées en 24 heures pour 3 300 patients en réanimation. Les chiffres au 6 décembre, mis en ligne en fin de journée par Santé publique France, recensent 11 022 cas Covid de plus que la veille et 1 163 nouvelles hospitalisations en réanimation sur les 7 derniers jours. Lundi 7 décembre, « seuls » 3 411 cas ont été détectés, mais les chiffres du lundi sont toujours plus bas, moins de tests étant réalisés, et 1 131 nouvelles admissions en réanimation ont été effectuées ces sept derniers jours.

Les objectifs fixés par le chef de l’Etat seront « très difficiles » à atteindre si les conditions actuelles se poursuivent, a prévenu lundi le directeur général de la Santé Jérôme Salomon. Un discours plus ou moins identique aux propos tenus par le Premier ministre Jean Castex et le ministre de la Santé Olivier Véran lors d’une réunion avec les chefs de groupes parlementaires. Selon les déclarations de certains participants, cités entre autres par l’Obs, le déconfinement ne devrait en tous cas pas ressembler à ce qui était prévu. Les cinémas et théâtres risquent ainsi de rester fermés au moins une semaine de plus que prévu. Des pistes sont aussi envisagées pour maintenir une certaine limitation des déplacements : attestation dérogatoire le soir du réveillon, voire maintien des attestations sur toute la période à partir du 15 décembre. Libération évoque aussi un couvre-feu qui interviendrait dès 17h et non plus à 21h. Il est possible que des restrictions plus locales entrent également en vigueur.

Toujours selon L’Obs, Jean Castex aurait dressé à son entourage un « constat  selon lequel « on aura du mal à atteindre l’objectif » des 5 000 cas par jour. Un proche du Premier ministre nuance toutefois auprès du magazine : « Est-ce que les chiffres demanderont de revoir la copie annoncée, c’est trop tôt pour le dire ». Dans Libération, c’est l’entourage d’Olivier Véran qui met en garde : « Si on continue sur cette dynamique, on ne pourra pas alléger autant ».

Pour l’instant, aucune décision n’a officiellement été annoncée concernant un report ou un durcissement du déconfinement, et le calendrier avancé par Emmanuel Macron lors de sa dernière allocution télévisée reste en vigueur. Le Premier ministre doit prendre la parole jeudi pour donner plus de précisions sur les autorisations qui seront accordées au 15 décembre. Ci-dessous plus de détails sur les étapes du déconfinement annoncées par le président de la République le 24 novembre dernier et détaillées par le Premier ministre Jean Castex deux jours plus tard.

Le chef de l’Etat a exposé le calendrier du déconfinement lors de sa prise de parole ce mardi 24 novembre à 20 heures, après la tenue d’un conseil de défense dans la matinée. Le déconfinement devrait se dérouler en trois étapes :

  • Début de la phase 1 le samedi 28 novembre 2020, avec les premiers allègements : les commerces non essentiels, services à domicile et les bibliothèques / archives sont autorisés à rouvrir jusqu’à 21 heures en renforçant le protocole sanitaire. Cela leur permettra d’être prêts pour le Black Friday, reporté du 27 novembre au 4 décembre. Les lieux de culte pourront de nouveau organiser des cérémonies, avec l’instauration d’une jauge de 30 personnes. Le Premier ministre a précisé que cette jauge pourrait être progressivement augmentée selon l’évolution de la situation sanitaire. Par ailleurs, la limitation d’un kilomètre / une une heure par jour pour se promener, faire du sport et sortir son animal de compagnie sera étendue à 20 kilomètres trois heures par jour. Les activités extra-scolaires en plein air sont de nouveau autorisées. En revanche, le système d’attestation dérogatoire restera valide et le télétravail restera la norme.
  • Début de la phase 2 le mardi 15 décembre 2020 : si le nombre de contaminations est inférieur à 5 000 par jour, les restrictions de déplacement seront levées : les attestations obligatoires seront supprimées, et il sera possible de se déplacer d’une région à l’autre. Les cinémas et salles de spectacle pourront rouvrir, les activités extra-scolaires pourront reprendre même en intérieur. En revanche, les rassemblements sur la voie publique resteront interdits, et un couvre-feu sera instauré de 21h00 à 06h00 du matin, exception faite des réveillons du 24 et 31 décembre où la circulation sera libre mais les rassemblements sur la voie publique interdits.
  • Début de la phase 3 à partir du 20 janvier 2021 : si les conditions sanitaires le permettent et que le nombre de contaminations se maintient en-dessous de 5 000 par jour, de nouvelles ouvertures pourraient avoir lieu : salles de sport et restaurants ; cours en présentiel pour les lycées, et dans les universités 15 jours plus tard si les conditions sanitaires se maintiennent ; possiblement, réouverture des stations de ski courant janvier.

Pendant plusieurs mois, le chef de l’Etat a précisé qu’un bilan de la situation sanitaire serait effectué tous les quinze jours, entrainant à chaque fois, selon l’évolution, un maintien des restrictions, de nouveaux assouplissements ou au contraire un durcissement.

Des spécificités concernent certaines régions d’Outre-Mer : ainsi, les commerces non essentiels ont pu rouvrir en Martinique dès ce mercredi 25 novembre, et d’autres mesures devraient être annoncées. Les ministres des Outre-mer et des Solidarités et de la Santé doivent proposer, dans les prochains jours, une stratégie de lutte contre l’épidémie Outre-mer, avec un plan d’action spécifique par territoire. Un test PCR négatif de moins de 72 heures reste obligatoire pour se déplacer depuis ou vers l’Outre-Mer.

Il n’y aura pas de déconfinement au 28 novembre : l’attestation dérogatoire de déplacement restera obligatoire, et les sorties devront correspondre à un motif autorisé : déplacement professionnel si télétravail impossible, achats, exercice physique, convocation judiciaire ou administrative, consultations et soins, motif familial impérieux, assistance aux personnes vulnérables et précaires ou garde d’enfants,  déplacements des personnes en situation de handicap et leur accompagnant, participation à des missions d’intérêt général. Il sera donc toujours interdit de rendre visite à ses proches hors motif impérieux.

Les magasins pourront rester ouverts jusqu’à 21 heures et ouvrir le dimanche

Cependant, ces possibilités de sortie seront élargies : en effet, les commerces dits non essentiels, tous les services à domicile (par exemple les salons de coiffure, soins esthétiques, enseignement artistique, cours de sport) ainsi que les bibliothèques pourront rouvrir de manière étendue, jusqu’à 21 heures et les dimanche, comme l’a confirmé le Premier ministre Jean Castex jeudi 26 novembre. Il redeviendra donc possible d’aller chez son libraire ou son coiffeur. Le protocole sanitaire renforcé détaillé par le ministre chargé des PME Alain Griset lors de la conférence de presse interministérielle du 26 novembre, impose une limite d’un client par 8 mètres carrés, y compris dans les surfaces de plus de 400 mètres carrés qui devront pour leur part mettre en place une personne ou un système de comptage pour vérifier que la jauge est respectée. La prise de rendez-vous, qui était évoquée comme une obligation pour rouvrir, n’est qu’une recommandation.

Les auto-écoles peuvent reprendre leurs leçons de conduite à cette date – les cours de code se feront cependant toujours à distance – et les visites de biens immobiliers pourront reprendre, que ce soit par des agences immobilières ou par des particuliers.

Par ailleurs, les lieux de culte voient leur activité étendue. Contrairement au premier confinement, ils étaient restés ouverts pour la pratique personnelle et pouvaient accueillir des cérémonies de mariage jusqu’à six personnes et des rites funéraires jusqu’à trente personnes. A compter du 28 novembre, tous les autres rites seront autorisés avec une limite de 30 personnes. Si le Président de la Conférence des Evêques de France avait annoncé mercredi 25 sur son compte Twitter s’être entretenu avec Emmanuel Macron à ce sujet et avoir obtenu une levée de la jauge qui devrait être annoncée jeudi, Jean Castex a confirmé la limitation à 30 personnes. Il a cependant précisé que des discussions étaient toujours en cours et que la limitation pourrait progressivement être revue à la hausse en fonction de la capacité globale des lieux, notamment au 15 décembre, si les conditions sanitaires le permettent.

De plus, les sorties pour s’aérer, c’est-à-dire faire de l’exercice, se promener ou sortir son animal de compagnie seront beaucoup moins contraintes, puisqu’au lieu d’une heure par jour à un kilomètre de son domicile, il sera possible de sortir trois heures par jour jusqu’à 20 kilomètres. L’objectif est notamment de permettre à plus de personnes n’ayant pas d’espace vert immédiatement à proximité de pouvoir s’y rendre. Enfin, les activités extra-scolaires seront de nouveau autorisées, mais uniquement en plein air. Si les stations de sport d’hiver resteront fermées, Jean Castex a précisé qu’il serait possible à titre individuel de s’y rendre dans le cadre de cette sortie individuelle. La pratique sportive individuelle inclut aussi le tennis, le golf, l’équitation, l’athlétisme et la pratique individuelle dans des infrastructures en extérieur (terrains de sport, stade découverts). La chasse et la pêche restent autorisées dans les mêmes conditions que les autres activités.

De nouveaux assouplissements sont prévus au 15 décembre, soit la semaine précédant les vacances de Noel, à condition que la situation sanitaire soit favorable : le nombre de contaminations quotidiennes enregistrées devra être inférieur à 5 000, et le nombre de personnes en réanimation inférieur à 3 000.

Il sera possible de se déplacer d’une région à l’autre à compter du 15 décembre

Dans ce cas-là, le système d’attestations obligatoires sera supprimé en journée, et les restrictions de déplacement seront levées. Il sera donc possible de se déplacer d’une région à l’autre, et donc de voyager pour retrouver ses proches pour les fêtes de fin d’année. L’exécutif exhorte cependant les Français à la prudence en évitant les réceptions avec énormément de personnes, même si la règle conseillée de six personnes par événement privé, un temps évoquée, n’a pas été mentionnée. L’exécutif se contente pour l’heure de recommander de « limiter au maximum le nombre d’adultes en même temps dans une même pièce ».

A cette date, et toujours sous réserve d’une situation sanitaire pas trop défavorable, musées, cinémas et salles de spectacle pourront rouvrir, avec un protocole sanitaire similaire à celui d’entre-confinement, notamment une jauge et un siège laissé libre entre deux groupes de spectateurs. Emmanuel Macron a par ailleurs précisé qu’un « système d’horodatage permettra d’organiser les représentations en fin de journée ».

Les activités extra-scolaires pourront aussi reprendre, même en intérieur. En revanche, les rassemblements sur la voie publique resteront interdits, exception faite des manifestations revendicatives déclarées comme c’est déjà le cas aujourd’hui.

Par ailleurs, cette possible levée du confinement sera couplée à l’instauration d’un couvre-feu de 21 heures à 6 heures du matin sur tout le territoire. Une attestation restera donc obligatoire en soirée. Une exception sera faite pour les réveillons du 24 et 31 décembre où la circulation sera libre pour permettre de rejoindre ses proches. Les lieux culturels n’échapperont pas à ce couvre-feu et devront fermer à 21h, mais les spectateurs bénéficieront d’une tolérance. En effet, le président avait évoqué un système d’horodatage permettant de justifier sa présence à une représentation, confirmé jeudi 26 novembre par la ministre de la culture Roselyne Bachelot : les spectateurs sortant d’une séance à 21 heures pourront le justifier avec leur billet pour rentrer chez eux après 21 heures. Les activités professionnelles ne devraient pas non plus être concernées, et si le couvre-feu est similaire à celui d’octobre, la livraison de repas à domicile restera autorisée.

Le 15 décembre étant la deuxième étape du confinement, les vacances de Noël verront de nouveaux allègements si la situation sanitaire le permet. A cette condition, l’attestation de déplacement ne sera plus nécessaire, il sera donc possible de voyager entre régions et les réunions de famille pourront donc se tenir, même si le chef de l’Etat a affirmé qu’il « faudra limiter au maximum le nombre d’adultes en même temps dans une même pièce ». Des recommandations concrètes doivent être formulées par le ministre de la Santé quelques jours avant Noël.

Les vacances de Noël se feront sous couvre-feu de 21h00 à 06h00 du matin sur tout le territoire

Les vacances de Noël se feront cependant sous couvre-feu de 21h00 à 06h00 du matin sur tout le territoire. Une exception sera faite pour les réveillons du 24 et 31 décembre où la circulation sera libre. Les cinémas, théâtres et musées, qui devraient aussi rouvrir au 15 décembre, n’échapperont pas à ce couvre-feu et devront fermer à 21h, mais les spectateurs bénéficieront d’une tolérance.  avec un système d’horodatage permettant de justifier sa présence à une représentation et donc un retour au domicile après le début du couvre-feu.

Les centres de vacances et colonies de vacances resteront fermés. Si les équipements collectifs des stations de sport d’hiver resteront fermés (remontées mécaniques notamment), il sera possible de s’y rendre à titre individuel, les commerces des stations notamment pouvant être ouverts à cette période.

De son côté, la SNCF se tient prête et l’ouverture des réservations des billets de train pour les fêtes de fin d’année a déjà commencé. Le transporteur affirme d’ailleurs avoir vu ses ventes exploser mardi 24 novembre suite à l’allocution du président. Tous les voyages jusqu’au 4 janvier 2021 compris (TGV INOUI, OUIGO, INTERCITES…) sont 100% remboursables avant départ (1h30 avant départ pour OUIGO). Consultez notre article dédié pour en savoir plus sur la politique de remboursement de la SNCF.

Le 20 janvier devrait marquer la troisième étape du déconfinement, mais les mesures à cette date sont encore floues. Si la situation sanitaire évolue favorablement et que le nombre de contaminations quotidiennes enregistrées se maintient en-dessous de 5 000, de nouvelles levées de restriction devraient avoir lieu, et notamment une levée du couvre-feu.

Salles de sport et restaurants peuvent espérer une réouverture à compter du 20 janvier

Les salles de sport et restaurants pourraient rouvrir, probablement avec un protocole adapté. En revanche, rien n’a été annoncé par le président concernant les bars, encore moins les discothèques, les salles de concert et les rassemblements. Le Premier ministre a cependant inclu les bars avec les restaurants dans les possibles réouvertures du 20 janvier.

Les lycées, qui fonctionnent actuellement avec une rotation de demi-groupes en classe et le reste de l’enseignement à distance, pourraient revenir à des effectifs complets. Les universités, qui donnent actuellement leurs cours à distance à quelques exceptions près, pourraient suivre le même chemin 15 jours plus tard si les conditions sanitaires se maintiennent. Par ailleurs, les stations de ski pourraient rouvrir courant janvier, avec comme on peut l’imaginer là aussi, un protocole sanitaire.

Les commerces sont les premiers à bénéficier de l’assouplissement du confinement. Dès le 28 novembre, les commerces dits non essentiels (à l’exception des bars, restaurants et salles de sport) ainsi que les bibliothèques pourront rouvrir, et fonctionner de manière étendue, jusqu’à 21 heures et les dimanche. Cela leur permettra d’être prêts pour le Black Friday, reporté du 27 novembre au 4 décembre.

Une réouverture des rayons fermés dans les supermarchés dès le 28 novembre

Le nouveau protocole sanitaire impose une limite d’un client par 8 mètres carrés, y compris dans les surfaces de plus de 400 mètres carrés qui devront mettre en place une personne ou un système de comptage pour vérifier que la jauge est respectée. La prise de rendez-vous, qui était évoquée comme une obligation pour rouvrir, ne sera qu’une recommandation. Le ministre des PME, Alain Griset, a précisé que les surfaces comptabilisées couvraient uniquement les surfaces de vente, et non les rayonnages et mobiliers de vente, et que le nombre de personnes comptées englobait seulement les clients et non les salariés. Il a également expliqué que ce comptage serait fait « avec discernement » : un couple avec son enfant compteront pour une seule personne. La mise en place d’un sens unique de circulation est recommandé quand c’est possible, le renouvellement régulier de l’air et la mise à disposition de gel hydroalcoolique seront obligatoires. Les clients devront être informés de la capacité maximale d’accueil.

Les rayons fermés dans les supermarchés concernant des denrées non essentielles peuvent aussi rouvrir dès le 28 novembre. A cette date, les prestations à domicile pourront également reprendre. A Paris, les commerçants ont par ailleurs le droit d’installer des étals à l’extérieur, afin de limiter l’affluence en intérieur.

La réouverture à compter du samedi 28 novembre des agences immobilières, ainsi que la reprise des visites de biens immobiliers y compris entre particuliers a été confirmée par Jean Castex, qui a aussi annoncé que les auto-écoles pourraient reprendre leurs leçons de conduite en présentiel, mais que les leçons de code continueraient de se faire à distance.

Les cinémas et théâtre pourront rouvrir au 15 décembre si l’évolution sanitaire est favorable

Les cinémas et théâtre pourront rouvrir au 15 décembre si l’évolution sanitaire est favorable, en reprenant le protocole sanitaire d’entre-confinement, et en limitant les groupes de spectateurs à six personnes. Les salles pourront donner des représentations jusqu’à 21 heures, les spectateurs bénéficieront d’une tolérance pour regagner leur domicile durant le couvre-feu.

Les salles de sport et restaurants pourraient rouvrir au 20 janvier, sous condition que la situation sanitaire le permette, et les stations de ski pourraient rouvrir courant janvier.

Les bars, discothèques, salles de concert n’ont toujours aucune date indicative de réouverture possible, même si Jean Castex a évoqué les bars comme pouvant potentiellement rouvrir en même temps que les restaurants, et que la présentation écrite accompagnant la prise de parole de Roselyne Bachelot affichait une reprise possible des concerts debout à compter du 20 janvier – cela n’a cependant pas du tout été évoqué par la ministre. Le chef de l’Etat ayant annoncé une évolution possible tous les 15 jours à compter du 20 janvier, selon la situation sanitaire, ces acteurs économiques pourraient avoir plus de visibilité à partir du 4 février, même s’il est possible que leur réouverture se fasse plus tard.

A compter du 15 décembre 2020, les déplacements sont libres entre régions. Pour les déplacements vers ou depuis un département d’outre-mer, la production d’un test négatif de moins de 72 heures restera obligatoire. Les déplacements vers l’étranger seront possibles à compter de cette date.

Les voyages vers l’étranger rendus possibles à partir du 15 décembre

Les voyages en train pour la fin d’année sont réservables, et remboursables jusqu’au 4 janvier 2021. La SNCF a par ailleurs annoncé que ses ventes de billets avaient explosé suite aux annonces d’Emmanuel Macron mardi 24 novembre au soir. Cliquez ici pour en savoir plus sur la politique de la SNCF en matière de remboursement.

Depuis la mise en œuvre du deuxième confinement en France fin octobre, les tâches qui peuvent l’être doivent être exercées en télétravail cinq jours sur cinq. Les professionnels qui ne peuvent exercer toutes leurs tâches en télétravail parce qu’ils ont besoin d’équipements spécifiques pour travailler, comme les architectes, peuvent se rendre au travail ponctuellement. Ceux qui exercent des métiers ne pouvant s’effectuer à distance (BTP, intervenants à domicile…) sont quant à eux dispensés de télétravail. Telle est la règle édictée par le gouvernement et transposée dans le protocole sanitaire en entreprise.

Le télétravail à 100% maintenu jusqu’aux vacances de Noël

Cette règle est maintenue, a priori au moins jusqu’au 20 janvier. Jean Castex a en effet précisé que sur toute la période de déconfinement progressif, « le télétravail restera la règle ».

La ministre du Travail Elisabeth Borne avait déjà prévenu lors d’une réunion avec les partenaires sociaux la semaine du 16 novembre : « Les règles actuelles s’appliqueront jusqu’aux vacances de Noël ». Le Premier ministre avait quant à lui évoqué la date du 31 décembre lors d’une autre réunion avec les partenaires sociaux le 23 novembre dernier.

Contrairement au confinement du mois de mars, les établissements scolaires sont restés ouverts, même si certains cours se tiennent à distance aux niveaux supérieurs : au lycée, les cours fonctionnent avec des demi-groupes présents en classe et qui tournent, et la seconde moitié des enseignements assurés à distance. A l’université, les cours se font intégralement à distance, à l’exception des travaux pratiques impossibles à réaliser ailleurs qu’en classe.

Ce fonctionnement perdurera au moins pour les semaines qui viennent. En effet, un retour à temps complet des lycéens en cours physique est envisagé pour le 20 janvier, si la situation sanitaire le permet. Si elle se maintient, les étudiants de l’enseignement supérieur pourraient à leur tour retourner physiquement en cours deux semaines plus tard, soit à compter du 4 février. Jean Castex a précisé en fin de conférence de presse que les universités étant des lieux potentiels de contamination, il ne pouvait donner dès maintenant de date de réouverture pour celles-ci.

Catégories
Insurance for Pets

Covid-19: in the United States, insurance companies refuse patient records – Insurance for Pets


Life insurance guarantees the payment of a capital or an annuity to the subscriber or to the beneficiary designated in the contract. As with any other medical diagnosis, the severity of a disease can affect the amount of disease.

Although the mere fact of catching a virus, such as the seasonal flu, does not usually lead to an increase in life insurance premiums, the still unknown consequences of Covid-19 are leading some American insurers to increase their rates, or even worse, to reject the cured patients.

Insurance contract changes from March

Companies have filed requests to modify their contracts in order to specifically ask candidates whether they had had Covid-19 as early as March, according to the Delaware Department of Insurance (United States).

Some companies have created a questionnaire specifically dedicated to Covid-19, in addition to their usual applications for new customers.

Banner Life Insurance, a Legal & General America unit based in Frederick, Maryland, asks applicants, for example, if they have been diagnosed with coronavirus by a member of the medical profession, if they have been treated, if they have received medical advice or if they have been seen by a member of the medical profession for symptoms such as fever, cough, shortness of breath, fatigue, runny nose, sore throat, within the past 30 days .

The company also wants to know if applicants have been hospitalized, for how long and if they have made a full recovery.

In the face of widespread criticism, Legal & General America said in a statement that this did not prevent applicants from obtaining a life insurance policy if they had tested positive for Covid-19.

The growing concern of insurers

These requests follow the unknowns left by the virus in cured patients. Indeed, whether it is a mild form or a severe form, Covid-19 can have more or less long-term consequences on our body. Since the arrival of the epidemic, many cured patients have developed sequelae: loss of smell and taste, persistent fatigue, but also cardiovascular, pulmonary, renal and neurological complications.

Additionally, the long-term effects on mortality are still unknown, leaving life insurance companies without data on the risks of infection with the virus, data they typically rely on when deciding who to cover.

Which means survivors may find it harder to get coverage or have to pay more for smaller plans.

“Insurance companies are afraid,” said Bob Hunter, director of insurance for the Consumer Federation of America and former Texas insurance commissioner. « It’s a classic insurance reaction. They did it after AIDS and SARS, » he told the newspaper Bloomberg this Wednesday, December 2.

« If you think people have higher mortality and they don’t, it means you are denying people access to coverage and giving up on activities that could be profitable, » said Daniel Schwarcz, professor at the University of Minnesota Law School. But « on the other hand, insurers could end up paying a higher loss rate 20 to 30 years later, » he noted.

Complaints filed

The Connecticut Department of Insurance explicitly warned insurers in an April notice against filing review request forms that included medical or other questions related to Covid-19. The ministry said it had received eight complaints specifically related to Covid-19 claims.

Consumer advocates like Ruth Susswein, deputy director of national priorities at Consumer Action, recommend people do multiple quotes.

What about in France?

In France, it is not yet known whether insurers resort to this kind of practice, no case having been identified for the moment.

The deputy of the majority group in the Assembly, Patricia Mirallès, herself affected by Covid-19 and suffering from after-effects, wishes to table a bill so that patients with the so-called long virus are recognized as suffering from an illness long-term (ALD) and can then benefit from 100% coverage by Social Security.

The Indecosa-CGT association, which has specific authorization to represent patients and their families in the field, is asking the government to set up real monitoring of patients with Covid-19, as well as full coverage by Social Security and recognition of the disease in ALD.

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Insurance for Pets

Mutilations of horses: the first conclusions of the investigation – Insurance for Pets



Is the mystery of the mutilations of hundreds of horses being clarified? This summer, psychosis had reached the middle equine. « We are all afraid because we do not recognize the danger « , confided on August 30, an owner of a stud farm in Calvados. The body of the national gendarmerie which coordinated the investigation has just made its conclusions.

Of the 460 cases identified this summer, only 84 are believed to be of human origin. In Ille-et-Vilaine, out of the twenty investigations carried out, no mutilation would be due to a human aggressor, as Major Maldant declared to West France: « Each time, our investigations have found accidental injuries or attacks of wild animals.« . According to the Interior Ministry, human responsibility is only engaged in 20% of cases. 70 investigations are still ongoing. Horse owners are nevertheless still concerned.

Catégories
Insurance for Pets

Goods imports mainly lower due to less oil and gas – Insurance for Pets


In 2019, before the corona crisis broke out, goods imports reached (460 billion euro) and export (515 billion euro) record levels. More information about, among other things, the international activities of the Dutch business community, the composition and geographic dimension of Dutch trade and investments can be found in the publication ‘Nederland Handelsland 2020’, which is also available in English from today.

In the period from January to August 2019, 17 percent of the total import package consisted of mineral fuels. In 2020 this share had shrunk to approximately 11.5 percent. In addition to the corona crisis, imports had to deal with lower trade prices. Dutch importers paid nearly 4 percent lower prices in the first eight months of 2020 than twelve months previously.