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If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756

In a state that has had instances of young black men being shot by police while handling a BB gun, one officer in Ohio was thankful he did not pull the trigger on an 11-year-old he spotted carrying a BB gun. According to the Columbus Division of Police, Officer Peter Casuccio was dispatched to a scene on Saturday to a gun run. When he arrived, Casuccio found an 11-year-old carrying a BB gun as he was walking with a 13-year-old companion. At the scene, Casuccio expressed his frustration that he nearly shot the unidentified 11-year-old. The exchange was captured on Casuccio's police-issued body camera. "This is getting kids killed all over the country," Casuccio said.Casuccio explained to the boy that police got a call of a boy matching the 11-year-old's description holding a gun. "I didn't show anybody it,' I was just holding it like this," the boy said."You can't do that," the officer responded. "That thing looks real.""Do you think I want to shoot an 11-year-old? Do you think I want to shoot a 13-year-old? Do I honestly look like the kind of dude who wants to shoot anybody?" Casuccio said. "But do I look like the type of dude who would shoot somebody?"The boys respond, "Yes, sir." Casuccio then explains the incident to the 11-year-old's mother. "I pulled up and I’m not gonna lie, I drew down on them. He freaks out and he starts to pull the gun out of his waistband," the officer told the mother. "He could have shot you for that, you know that?” the mother could be heard saying. "He dropped it real fast, and I didn't know it was a BB gun until hit the sidewalk," Casuccio said.In recent years, Ohio has had several notable instances of police shooting young black men carrying BB guns as officers believed the weapons were real. Some of those incidents have led to protests in those respective communities. On Aug. 5, 2014, 22-year-old John Crawford III was fatally wounded after he was seen inside a Walmart in Beavercreek, Ohio carrying a BB gun. Officers Sean Williams and David Darkow were not criminally charged in connection to Crawford's death. Three months later in Cleveland, 12-year-old Tamir Rice was seen in a park "pointing a pistol" at people in the park. In the call to police, the witness did state that the weapon was "probably fake." Moments later, Officer Timothy Loehmann fatally wounded Rice. Loehmann was not criminally charged in Rice's death, but was later fired in 2017 after Cleveland Police discovered that he had lied on his job application. The City of Cleveland paid the Rice family a million settlement. In 2016 in Columbus, the same department Casuccio works for, Tyre King, 13, was shot and killed in the back by Officer Bryan Mason after police said King brandished an air gun. Mason was reportedly investigating a robbery at the time of the incident. A grand jury declined to charge Mason criminally for the shooting. There is a pending lawsuit by King's family against the City of Columbus.  3153

If you like lighting your tongue on fire with spicy foods, then here's some good news for you.On Tuesday, Hormel's revealed its Ghost Reaper Chili, which they've deemed as the "world's hottest chili." “Chili is a dish that can be enjoyed so many different ways, whether it’s straight out of the bowl, on a hot dog, incorporated into dips and other recipes, or as a pour-on for a quick and delicious dinner upgrade,” said Sarah Johnson, Hormel? chili brand manager in a press release. “However fans want to enjoy their chili, for a short time they can lay stake to a pretty bold claim: that they’ve tasted the hottest canned chili in the world.”The Minnesota-based company says its eye-watering concoction contains beef, beans, as well as a combination of ghost peppers and Carolina reapers, which are some of the hottest peppers on the planet.Beginning on Sunday at 7 a.m. CT, Hormel's is offering a limited-time two-pack that'll also include Hormel Ghost Reaper World’s Hottest Chili with Beans.According to People Magazine, the limited-edition item is only available on Target's website. 1097

Hurricane Lane's outer bands have been pummeling Hawaii's Big Island with rain Thursday, triggering landslides and threatening serious flooding as the Category 4 cyclone moves perilously close to the Aloha State.The center of the storm — which could become the first major cyclone to make landfall in the state in 26 years — is expected to move very close to the main islands or cross land Thursday through Friday, forecasters said.It could be so devastating that authorities are urging residents to set aside two weeks' worth of food and water."Be prepared to shelter in place with 14 days of food supplies and water and any other necessities," Hawaii Gov. David Ige said at a news conference Wednesday.Track the stormThe storm's center, with maximum sustained winds near 130 mph, was in the Pacific about 210 miles south-southwest of the Big Island town of Kailua-Kona around 5 a.m. HT Thursday (11 a.m. ET).Landslides are a concern, with 10-30 inches of rain forecast through the weekend -- and slides already were happening on the Big Island as the storm's outer bands hit Thursday morning.On the Big Island's northern tip, landslides were blocking parts of Route 19, the county civil defense agency said.About 7 to 12 inches of rain already had fallen on parts of the Big Island by early Thursday, the National Weather Service office in Honolulu said.Buses around Honolulu have been picking up residents in need and taking them to shelters. All public schools canceled classes until further notice, and many state employees have been asked to stay home.Tropical storm force winds (39-73 mph) stretch out to 140 miles, so even if the hurricane doesn't make landfall, it could have widespread impact. Lane threatens to bring dangerous winds, landslides, rough surf and major flooding.All of the islands are under weather alerts.A hurricane warning is in effect for the Big Island as well as Maui County and Oahu -- meaning hurricane conditions are expected there. Kauai and Niihau are under a hurricane watch, meaning hurricane conditions are possible and that winds of at least 39 mph are anticipated in the comings days. 2133

House Majority Leader Kevin McCarthy plans to introduce legislation this week that will fully fund President Donald Trump's proposed wall along the U.S.-Mexico border with a whopping .4 billion price tag, a spokesperson for the California Republican told CNN on Tuesday.The bill is still in the drafting process but is expected to be released within the next few days in the pro-forma session this week. The House remains in recess until mid-November, after the midterm elections, so the body would not consider the legislation for another month or so. Even with a Republican-controlled Capitol Hill and White House, any proposal to fully fund Trump's signature campaign pledge of a border wall would have a difficult pathway to passing both chambers of Congress, given the threshold for such legislation and the narrow margin of control in the Senate.The legislation comes as McCarthy is headed to the U.S.-Mexico border on Wednesday for a tour and briefing by the Department of Homeland Security and as the California congressman continues to push to succeed Speaker Paul Ryan when the Wisconsin Republican departs in January.Mccarthy is not the only House Republican to express interest in leading the caucus. Majority Whip Steve Scalise of Louisiana and House Freedom Caucus co-founder Jim Jordan of Ohio have talked about pursuing the top House GOP spot, and both are traditionally affiliated with the more conservative side of the caucus members. Scalise has said he would not run to lead the party if McCarthy does, but Jordan has already announced his intention to seek the position.McCarthy, who has allied himself closely with Trump in the last two years, is working on the border wall bill by himself at this point, with no cosponsors. 1757