What Can You Expect From a Pet Insurance Policy

Have you ever had a family member get sick?

It’s stressful enough when that person is your pet, but imagine having to deal with the added burden of paying for their treatment yourself. Pet insurance has become more popular recently because it works similarly in nature as human health care coverage does – only tailored specifically towards animals! With this type of policy all expenses are covered by an monthly premium (or per-incident fee) which pays out should anything happen during employment or leisure time activities like accidents at home etcetera;

You might find that your pet’s premium is higher than on a younger animal and some pre-existing conditions may not be covered. However, this will give you peace of mind knowing they can live an healthy life because their vet bills are taken care of.

You will need to find out if your pet insurance policy allows you to choose any veterinarian or if you must choose from vets in a network of providers.

Your vet keeps records about your particular pet’s medical history, so the process of applying for insurance is simple.

Does it cover “pre-existing conditions?”

Most affordable pet health insurance policies do not, and you probably shouldn’t try to get pre-existing condition coverage. Any reliable company offering any kind of pet insurance would give you a free quote for every kind of plan that may suit your pet’s requirement.

If your cat is nearing old age, it’s worth checking any existing policy to find out the upper age limit.

These can start when your pet is just a few months old, going up to around 8 years on average, but some will extend to as old as 27 years. For example, some of the larger breeds of dogs like Labrador Retrievers and German Shepherds have a history of having hip dysplasia. Also most companies will not insure cats after they reach 8-10 years of age as well so your cats have to fit it within a certain age range in order to qualify for a policy.

One important thing to notice is that you need to check the terms and conditions stated in the policy of the pet insurance before you sign it. Common exclusions seen are breed-specific exclusions and pre-existing conditions, as well as a list of treatments that just aren’t covered.

That means, if your cat has already been diagnosed with a chronic condition, it will not be covered.

Did you know that pets in America are showing the same signs of obesity as the majority of humans?

Just like health insurance this type of coverage has premiums you must pay which will be based on the animal’s age, health, and sometimes the breeds inherited illnesses. However, the same thing goes true to unhealthy breeds; expect that they will incur high pet insurance rates as well.

Of course, the amount depends on the type of coverage and where you go for insurance, but you can expect to pay around that much for a basic coverage. Visits to the vet can be pricey, even with minor visits, such as the yearly vaccinations or routine checkups. If you need to be hospitalized and cannot take care of your rabbit, then they will help you find boarding and cover the costs. These include covering the cost for a reward and advertising if your pet becomes lost or stolen.

Many pet insurance comparison charts that can you see on the internet will list policies by price, but some also give you the option of sorting them by coverage amount. Some plans may provide coverage for pre-existing diseases, while others may cover unpredictable situations like canceling a holiday due to serious illness of your pet. Read the policy carefully and understand what is and isn’t covered BEFORE you sign it. Other companies will give you a discounted rate if you purchase your cheap pet insurance online.


Quick & Easy Veggie Kale Soup Recipe

Quick & Easy Veggie Kale Soup Recipe

Prep Time: 10 minutes

Cook Time: 15 minutes

Total Time: 25 minutes

Category: Soup

Cuisine: Vegan

Serving Size: 2


  • 2 CUPS Kale
  • 1 CUP Chopped Green Onions
  • 2 1/2 CUPS Chickpeas
  • 1/4 CUP Parsley
  • 1/4 CUP Bob’s Red Mill Large Flake Yeast
  • 1 Carrot (diced)
  • 1 Knorr Vegetable bouillon Cube
  • Salt to taste (optional)
  • Water (based on your bouillon cubes directions


  1. Soften diced carrot in a few tbsp of water (feel free to add more water if/when needed)fresh-kale
  2. Add kale and continue to saute in water
  3. Add salt (if desired) and Knorr bouillon cube
  4. Pour in 1-2 cups of water (I like to go a little less than what is recommended on the package. It gives a stronger flavor)
  5. Add parsley and chickpeas and continue to cook over medium heat
  6. Once everything comes to a simmer, turn off the burner and stir in Bobs RedMills Nutritional Yeast
  7. Add in the green onions at the last minute for a delicious crunch and flavor

It’s honestly THAT simple. I have had this on my stove nearly every day for about a week or so. I can’t get enough of it! It’s so incredibly hearty and delicious. Sometimes I have it for lunch, and then think about it all day, and question whether or not to make it for dinner!? I admit though, I do get a bit obsessive when I find a delicious and healthy meal to make!


Spring Garden – What To Planting – How & Why

I know it’s the end of February, and for most of us, spring is probably a month or two away still.  However, this doesn’t mean that you shouldn’t start planning your spring garden. There are many things you can do now to prepare and get ahead of schedule for the warm weather that will be showing up in just a couple of months. so here is WHAT I am planning to plant in my spring garden along with how and why I  am planting it.

This year is actually going to be a first for me, I am going to be planting some flowers as well as my regular vegetable garden. Up until now I always thought that having flowers was such an unproductive waste of space. In reality, though, flowers are an integral part of the gardening ecosystem. They help attract pollinators (AKA bees) to early starter flowers. Not to mention, with our declining bee population, my goal is to have flowers blooming as soon as the bees are waking up! Dandelions are usually the first food source for bees in the spring, so hopefully, I can give them an extra food source!


I was lucky enough to get in on Cheerio’s “bring back the bee” initiative about a year ago. If you signed up with them they sent you a pack of Vessey’s bee-friendly wildflower mix. So my goal is to have planted flowers to entice the bees onto my balcony so that they can then know to come back and pollinate my vegetable plants.

This spring I want to start out with cooler weather crops such as beans, lettuce, broccoli,  and of course my herb garden.  This year I’m actually going to switch it up and use my large storage tub for a large green leaf Garden. I plan to be growing some dark green cos. lettuce, baby leaf spinach, Tyee spinach, Tokyo bekana, regular iceberg lettuce, buttercrunch, and of course I can’t forget my kale.

So in a 63-liter storage container, I plan on growing a couple of plants each. So with seven varieties, I will probably get around fourteen plants in my spring garden tub of greens. They are a great cool weather plant, They won’t bolt (start producing flowers and seeds) until early summer. this hopefully will allow for several different meals. As well as harvesting several batches of spinach and kale for the freeze.


If you are new to gardening of any sort. Bolting halts your ability to eat the plant, because it then turns bitter. So until the summer comes, if you see one of your lettuces growing a flower head. Just snip the little head off as soon as possible. I usually will take a leaf as a taste test just to see if it’s too late for that plant. I am in the mentality that you can never have too many seeds! So if they bolt, and I taste the leaves and it’s too late. I will let it bolt and collect the seeds.

This year another one of my hopes is you have a beautiful large and luscious herb garden. Right now my plans are to grow parsley, dill, and basil in it. With an emphasis on parsley and basil. Doing this will allow me to not only have fresh herbs available but I also plan on drying a lot of it as well.  This way we have an abundance of homegrown herbs on-hand all year round. Even if for some reason I am unable to grow herbs in my kitchen during the winter at least I’ll have them dried from my garden. I also haven’t gone seed shopping yet. So I might actually be able to add more herbs to the pot depending on what I find when I go shopping.


Something I have yet to grow successfully in my garden is beans and peas. So this year I’m testing out a tent pole method of growing them. In two different pots I will have my Little Marvel Peas and in the other, my Blue Lake 274’s. This will allow me to not only test out the tent pole method that I have in my head. It will also allow me to hopefully finally be successful in growing both beans and peas in my Spring Garden. This will actually be my test for the season.

I always have one or two plant products that I want to test out. This year it will be two new plants and a growing method. I will be doing another post about the tentpole method that I am going to be trying out. However the tent pole method is basically using a central Pole and then I am going to run twine down to the four corners so that the beans can grow up the twine and kind of act like a vertical growing method so it will help them keep from getting all tangled up and it allows air to flow freely through the plants so that I don’t get any diseases caused by moisture, or anything else of that sort in my plants.
In my final planter, I will be growing some broccoli. This is a pretty deep and long planter so that will allow me to probably have at least 4 Broccoli plants in my spring garden. Now, this is another plant that I have actually been very unsuccessful with. I’ve tried growing it a couple of different times, the first was from seed which did not grow properly, at all. The next one was actually a seedling that I bought at a local Nursery. This time I will be trying from seed again and hopefully, we’ll get it right.

so, if all goes well this year. I should have lots of lettuces, kale, and spinach for the spring. As well as kale and spinach in my freezer. Hopefully, as long as my broccoli grows properly and produces, I’ll also have at least four heads of broccoli. I have also heard of a successful bumper crop (a second or even third crop from the same plant).

If I play my cards right, there is a possibility that we could actually have 8 heads of broccoli in total. The approximation estimate for the beans and peas shows roughly two to four pounds per plant. So if I have four plants of each hopefully that will be another opportunity to can or freeze the excess. So that I can again prolong the harvest into the summer, fall, and winter months as well. Then, of course, you have herbs and they are ever-growing. I might even be able to bring them inside when it gets too cold. So they can actually grow over and over again. While I have my Spring garden growing. I will actually be germinating and growing my summer garden gradually over time as well. So that they have an early start. So stay tuned for that update!


Summer Fresh Couscous Salad – Fresh Quick and Simple Recipes

Summer Fresh Couscous Salad – Fresh Quick and Simple Recipes

Prep Time: 10 minutesFresh-Couscous-salad

Cook Time: 5 minutes

Total Time: 15 minutes

Category: Salad

Cuisine: African/American

Yield: 4

This is a simple quick and fresh dish. It takes very little time to prepare and can be easily used in meal prepping to give an option of fresh taste to each meal.


  • 1 Cup CousCous
  • 400mL Water
  • 1 Bell pepper
  • 1 Onion
  • 1/2 Cucumber
  • 1 Bunch Parsley (Optional)
  • 1 Tomato
  • Lemon Juice
  • Olive Oil
  • Salt & Pepper


  1. Dice the onion and bell pepper finely and saute in a bit of olive oil for 5 min
  2. In the same pan, place 1 cup of couscous and 400mL of water.
  3. Place lid on and let cook on med heat until the water has cooked the couscous and is completely absorbed.
  4. Dice remaining vegetables, and place in a large bowl
  5. Mix in the couscous, olive oil, and lemon juice to preferential taste (if you wish to salt and pepper the dish you can at this point.)
  6. At this point, you can eat it warm or place it in the fridge to get cold (I prefer it cold personally)
  7. Before serving chop up some parsley (completely optional) and mix half through and place the other half on top as decoration

You will NOT be sorry with this fresh summer couscous salad. It is everything simple and delicious that summer deserves. It’s also great after sitting in the fridge as well. So make it ahead of time and wow the family or the crowded BBQ. This recipe has yet to disappoint anyone I have ever fed it to. Which is why I am sharing it with you!

Shop all of my personal favorite brands needed for this recipe down below. I have used many different brands, however, these are my tried and true favorites.