What Pet Insurance Covers Cancer Treatment?

Ndi inshuwaransi yanji ya ziweto zomwe zimalipira chithandizo cha khansa? Mlangizi wa Forbes

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Magulu sasintha malingaliro a akonzi kapena mavoti.

Yerekezerani mitengo ya inshuwaransi ya ziweto

Fananizani makampani 10 otsogola a inshuwaransi ya ziweto pamphindi

Poyendera vet, palibe kholo lachiweto lomwe likufuna kumva mawu owopsa a “C” – khansa. Pafupifupi galu mmodzi mwa galu anayi adzakhala ndi chotupa chomwe chingakhale choopsa kapena choopsa, malinga ndi American Veterinary Medical Association. Theka la agalu opitilira zaka 10 amadwala khansa. Mmodzi mwa amphaka asanu adzakhala ndi khansa pamoyo wawo, malinga ndi Colorado State University (CSU) Flint Animal Center.

Mtengo wapakati wa chithandizo cha khansa ndi $ 4,100 kwa agalu ndi $ 3,800 kwa amphaka, malinga ndi zomwe amanena kuchokera ku Bates Beast kuchokera ku 2017 mpaka 2021. Inshuwaransi ya Pet ingakhale njira yabwino yothandizira kuthetsa ndalama zachipatala ngati chiweto chanu chimayambitsa khansa.

Mapulani a inshuwaransi ya ziweto zomwe zimaphimba khansa

Mapulani a inshuwaransi ya ngozi za ziweto ndi matenda nthawi zambiri amaphimba khansa, kuphatikiza kuzindikira ndi chithandizo. Nawa makampani ena a inshuwaransi ya ziweto omwe amalipira ndalama zachipatala zokhudzana ndi khansa.

Zogwirizana: Kodi inshuwaransi ya ziweto imaphimba chiyani?

Mapulani a Inshuwaransi ya Ziweto Zomwe Siziphimba Khansa

Simudzakhala ndi ndalama zothandizira khansa ngati:

  • Ndangogula pulani yangozi. Monga momwe dzinalo likusonyezera, ngozi zimangoyang’aniridwa ndi dongosolo lamtunduwu. Matenda, monga khansara, sakuphatikizidwa mu ndondomeko yangozi yokha.
  • Khansara ya chiweto chanu ndi chikhalidwe chomwe chinalipo kale. Mapulani a inshuwalansi ya ziweto nthawi zambiri samaphatikizapo zinthu zomwe zinalipo kale, zomwe zikutanthauza matenda (monga khansara) omwe adayamba kufalitsa kusanayambe, kuphatikizapo nthawi yodikira.

Zogwirizana: Mapulani a inshuwaransi yaziweto pazomwe zidalipo kale

Zizindikiro Zapamwamba Zochenjeza za Khansa

Monga anthu, mitundu yosiyanasiyana ya khansa imatha kukhudza chiweto chanu. Ichi ndichifukwa chake ndikofunikira kupita ndi chiweto chanu kwa vet kuti mukachiyese nthawi zonse. Koma ndizofunikanso kwa inu, ngati kholo lachiweto, kukhala tcheru ndi chenjezo lililonse la khansa ndikuwuza vet wanu.

Nazi zizindikiro zodziwika za khansa zomwe muyenera kuzidziwa:

  • Kutupa kwachilendo komwe kumapitirira kapena kumapitiriza kukula
  • Kutuluka magazi kapena zotupa, kuphatikizapo kutsegula m’mimba ndi kusanza
  • Kuvuta kupuma, kuchita chimbudzi, kapena kukodza
  • Kuvuta kudya kapena kumeza
  • Kusafuna kuchita masewera olimbitsa thupi kapena kutaya mphamvu
  • Anorexia
  • Fungo loipa lochokera m’makutu, mkamwa mwa chiweto chanu, kapena mbali ina iliyonse ya thupi lake
  • Kupunduka kosalekeza, monga kugwedezeka kapena umboni wina wa ululu
  • Zilonda zomwe sizichira
  • Kuonda

Mitundu ya khansa ya ziweto

Nawa mitundu ina ya khansa yodziwika bwino komanso momwe imakhudzira chiweto chanu.

Khansa ya chikhodzodzo

Khansara yamtunduwu imatha kuchitika mbali iliyonse ya mkodzo wa chiweto chanu. Nthawi zambiri amadziwidwa ndi matenda monga biopsies, magazi ntchito, ndi kujambula kuti mudziwe njira yabwino ya chithandizo. Chithandizo chimaphatikizapo chemotherapy, radiation, ndi opaleshoni.

Hematosarcoma (HSA)

HSA ndi matenda ofala kwambiri okhudzana ndi maselo a magazi ndipo amapezeka paliponse m’thupi la chiweto chanu. Malo odziwika kwambiri a HSA amapezeka mu ndulu, mtima, ndi chiwindi. HSA imapezeka kawirikawiri pakhungu.

HSA imapezeka kwambiri mwa agalu kuposa amphaka. Chifukwa chaukali, HSA nthawi zambiri imakhala m’magawo apamwamba asanazindikiridwe.

Lymphoma

Khansara yamtunduwu imapezeka m’maselo oyera am’magazi a chiweto chanu kapena m’matumbo am’mimba. Zotupa zimatha kuwoneka m’malo a thupi la chiweto chanu monga mafupa, m’mimba (kuphatikizapo matumbo, chiwindi ndi m’mimba), ndi ma lymph nodes.

Amphaka omwe ali ndi kachilombo ka khansa ya m’magazi (FeLV) ndi feline immunodeficiency virus (FIV) amatha kukhala ndi lymphoma. Kusunga amphaka m’nyumba kungathandize kuchepetsa mwayi wotenga ma virus kuchokera kwa amphaka ena.

Lymphoma mwa agalu nthawi zambiri amathandizidwa ndi chemotherapy, ndipo 95% ya agalu omwe amathandizidwa amapita ku chikhululukiro pamene “njira zothandizira kwambiri zimagwiritsidwa ntchito,” malinga ndi CSU Flint Animal Cancer Center. Pafupifupi 70 peresenti ya amphaka omwe ali ndi lymphoma omwe amathandizidwa ndi chemotherapy amapita ku chikhululukiro.

khansa ya m’mawere

Agalu ndi amphaka amakonda kudwala khansa ya m’mawere. Zotupa zambiri zimakhala zowopsa ndipo zimatha kufalikira ku thupi lonse la chiweto chanu. Kuchotsa mabere opareshoni ndi njira imodzi yothandiza kwambiri malinga ngati khansayo sinafalikire. Kuzindikira msanga ndi kuchotsa chotupacho chikakhala chaching’ono kungathe kuchiza chiweto chanu.

Agalu achikazi ndi amphaka omwe sapatsidwa chithandizo amatha kukhala ndi khansa ya m’mawere. Chimodzi mwa zida zabwino kwambiri zopewera ndikusunga chiweto chanu.

chotupa chachikulu cha cell (MCT)

MCTs ndi zotupa zapakhungu zomwe zimapezeka kwambiri mwa agalu. Zotupa zapansi kapena zapakati sizingathe kufalikira ndipo kuchotsa opaleshoni kungakhale chithandizo chokhacho chofunikira. Zotupa zapamwamba zimatha kufalikira, ndipo mankhwala owonjezera monga chemotherapy ndi ma radiation angaganizidwe.

khansa yapakhungu

Ma melanomas ndi zotupa zomwe zimachokera ku maselo opanga pigment. Mwa agalu, amapezeka kawirikawiri pakhungu, pakamwa, ndi pazikhadabo. Mitundu yambiri ya khansa yapakhungu ya agalu ndi yoopsa, koma khansa yambiri ya m’kamwa ndi misomali ndi yoopsa ndipo imatha kufalikira thupi lonse.

Squamous cell carcinoma (SCC) ndi melanoma wamba wamkamwa mwa amphaka. Popeza amphaka ali ndi pakamwa ting’onoting’ono, opaleshoni ingafunike kuchotsa nsagwada zapamwamba ndi zapansi kuti khansayo isapitirire kufalikira.

Kuzindikira melanoma nthawi zambiri kumafuna biopsy. Opaleshoni nthawi zambiri imakhala chithandizo choyamba, ndipo ngati opaleshoni sikutheka, chemotherapy, immunotherapy, ndi radiotherapy ingakhale njira yabwino.

Osteosarcoma

Pafupifupi 85% ya zotupa za mafupa agalu ndi osteosarcoma, malinga ndi CSU Flint Animal Cancer Center. Nthawi zambiri imakhudza miyendo ya agalu akuluakulu komanso akuluakulu, koma imatha kupezekanso m’madera ena a mafupa, monga chiuno, nthiti, chigaza ndi vertebrae. Khansara imafalikira kumapapu pafupifupi 80% ya agalu omwe ali ndi osteosarcoma.

Chithandizo chimadalira zinthu zingapo, monga mtundu, malo ndi kukula kwa chotupacho. Kuyezetsa matenda monga ma biopsies, kuyesa magazi, ndi X-ray nthawi zambiri amagwiritsidwa ntchito kuti adziwe chithandizo choyenera.

Mitundu ya khansa

Mitundu ina ya ziweto imakonda kukhala ndi mitundu ina ya khansa kuposa ina. Mwachitsanzo, amphaka akum’mawa ndi a Siamese amatha kukhala ndi lymphoma.

Nayi ena mwa mitundu ya agalu yomwe imakonda kupanga zotupa za mast cell:

  • chimbalangondo
  • osewera nkhonya
  • Boston Terriers
  • ng’ombe agalu
  • Cocker Spaniel
  • English Bulldog
  • Golden Retrievers
  • Labrador
  • Dongo
  • Schnauzer
  • Staffordshire
  • char mtendere
  • maluwa
  • Ma Ridgebacks
  • Weimaraners

Mitundu ya agalu yomwe imakonda kudwala osteosarcoma:

  • Borzos
  • Gelatin agalu
  • Dobermans
  • German Shepherds
  • Golden Retrievers
  • Great Danes
  • greyhounds
  • Irish Setter s
  • Agalu achi Irish
  • Rottweiler
  • St. Bernards
  • Scottish Terriers
  • Borzoa
  • greyhounds

Mitundu ya agalu yomwe imakonda kukhala ndi lymphoma:

  • Agalu a Airedale
  • basset hounds
  • osewera nkhonya
  • bulldog
  • Bullmastiffs
  • Golden Retrievers
  • St. Bernards
  • Scottish Terriers

Mitundu ya agalu yomwe imakonda kudwala hematosarcoma

  • Bernese phiri galu
  • osewera nkhonya
  • Flat Packed Retrievers
  • Golden Retrievers
  • German Shepherds
  • Agalu Amadzi Achipwitikizi
  • Mitundu ya Sky terriers

Chithandizo cha Khansa ya Pet

Ngati chiweto chanu chapezeka ndi khansa, nayi mitundu ina ya chithandizo chomwe veterinarian wanu angakupatseni.

Kumbukirani kuti mapulani ambiri a inshuwaransi ya ziweto samaphimba chithandizo chomwe chimatengedwa ngati choyesera, chofufuza, kapena chomwe sichikugwera m’miyezo ya chisamaliro chovomerezedwa ndi Veterinary Medical Board yanu. Ndibwino kulankhula ndi inshuwaransi yanu musanayambe kulandira chithandizo kuti mutsimikizire kuti mulipiridwe.

Chemotherapy

Opaleshoni kapena ma radiation sangathe kuthetsa matendawa ngati khansa yafalikira m’thupi la chiweto chanu. Chemotherapy ingathandize kuchepetsa kufalikira kwa khansa komanso kupha matendawa. Chemotherapy ingagwiritsidwenso ntchito musanachite opaleshoni kuti muchepetse kukula kwa chotupa kapena pambuyo pa opaleshoni kuti aphe maselo ang’onoang’ono a khansa omwe dokotalayo sanathe kuwachotsa.

Ziweto zimatha kulandira chemotherapy kudzera m’mitsempha kapena m’kamwa.

Mayesero azachipatala

Madokotala a zinyama amagwiritsa ntchito mayesero azachipatala kuti azindikire mankhwala atsopano ndikupeza kumvetsetsa mozama za matenda ena a ziweto. Ngati chiweto chanu sichikuyankha pazomwe akulangizidwa, kutenga nawo mbali pazoyeserera zamankhwala kungapatse mwayi wopeza chithandizo chamankhwala chapamwamba chomwe sichipezeka mosavuta. Mayesero azachipatala amatha kukhala ndi kuyezetsa mankhwala, ma radiotherapy protocol, maopaleshoni, kapena chithandizo china monga immunotherapy.

Ngati vet wanu sakuyesa mayeso azachipatala, mutha kupita ku Animal Health Studies Database kuti mufufuze mayeso oyenerera azachipatala.

radiation

Chithandizo cha radiation chimapha maselo a khansa powononga DNA yawo. Telemedicine ndiyo njira yodziwika bwino ya radiotherapy, yomwe ndi mtengo wakunja womwe umalimbana ndi chotupacho ndi madera ozungulira. Mulingo wocheperako wa radiation ukhoza kuperekedwa kwa chiweto chanu tsiku lililonse kwa milungu itatu kapena inayi.

opaleshoni

Njira imodzi yochizira khansa ndi opaleshoni kuchotsa chotupacho. Dokotala asanavomereze opaleshoni, nthawi zambiri amatenga biopsy ya chotupacho kuti azindikire kuchuluka kwake kuphatikiza ndi matenda ena monga CT scans, MRIs, ndi ultrasounds.

Ziweto zina zingafunike chithandizo china, monga chemotherapy, kuwonjezera pa opaleshoni.

Mtengo Wothandizira Khansa ya Pet

Avereji ya mtengo wa chithandizo cha khansa kwa agalu 4100 dollars Ndipo the 3800 madola Kwa amphaka, malinga ndi data ya 2017 mpaka 2021 yoperekedwa ndi Pets Best.

Njira yabwino yothetsera ndalamazi ndi inshuwalansi ya ziweto. Avereji yamtengo wapachaka wopezera galu $5,000 ndi $35 pamwezi ndi $28 ya mphaka, malinga ndi kafukufuku wa Forbes Advisor wa ndalama za inshuwaransi ya ziweto. Ndibwino kufananiza mawu a inshuwaransi ya ziweto kuchokera kumakampani osiyanasiyana a inshuwaransi kuti mupeze dongosolo labwino pamtengo wokwanira.

Yerekezerani mitengo ya inshuwaransi ya ziweto

Fananizani makampani 10 otsogola a inshuwaransi ya ziweto pamphindi

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