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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 new effort to tackle the deadly opioid addiction crisis in the US, pharmacy giant CVS announced on Friday it will limit opioid prescriptions to seven days for certain conditions. This restriction will apply to patients who are new to pain therapy.The new pharmacy program will also limit the daily dosage of pain pills based on their strength and will require use of immediate-release formulations before extended release opioids -- intended for severe, long-term pain treatment -- are dispensed.The changes will roll out on February 1, 2018 and cover all commercial, health plan, employer and Medicaid clients.CVS, which manages medications for nearly 90 million plan members, is one of the largest pharmaceutical chains in the US, with approximately 9,600 CVS Pharmacy stores and more than 1,100 walk-in medical clinics."With a presence in nearly 10,000 communities across the country, we see firsthand the impact of the alarming and rapidly growing epidemic of opioid addiction and misuse," said Larry J. Merlo, president and CEO of CVS Health.From 1999 to 2014, sales of prescription opioids in the US almost quadrupled, according to the US Centers for Disease Control and Prevention, yet there has been no change in pain reported by Americans.CVS said its pharmacists will also counsel patients with opioid prescriptions about the risk of dependence and addiction based on CDC guidelines. These educational sessions will also emphasize the importance of keeping medications secure in the home and proper disposal of unused medication.To help patients wanting to follow these guidelines, the company will almost double the number of drug disposal units in its Medication Disposal for Safer Communities Program from 800 to 1,550 kiosks. This expansion will begin this fall with locations in Florida, Massachusetts, North Carolina, Pennsylvania, South Carolina and the District of Columbia.The company is also committing million to Community Health Centers that provide medication-assisted treatment and other addiction recovery services.The President's opioid commission says that about 142 Americans die every day from a drug overdose, equal to the death toll from the September 11 attacks every three weeks. Most of those overdoses are from opioids.Though there were over 30,000 fatal overdoses from opioid drugs in 2015, public health experts believe that for every fatal overdose, there are 30 non-fatal overdoses. That would mean over 900,000 overdoses in 2015 alone.According to the CDC, drug overdoses are the leading cause of unintentional death in the US.  2589

If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

If you like hard seltzer and pumpkin, then you're in luck!VIVE, which is made by Braxton Brewing Company, said they are launching a pumpkin spice-flavored hard seltzer, and just in time for fall."We're celebrating the upcoming change of seasons with a limited release of a refreshing twist on your favorite fall flavor," the company announced on Twitter. 362

If you've ever wanted to cook with actress Eva Langoria, well now's your chance.The actress is partnering with Airbnb to host a cooking class to celebrate National Hispanic Heritage Month.In a press release, Airbnb said 10 lucky participants would learn how to cook one of Longoria's favorite Tex-Mex dishes.The event will run through Oct. 15 and will cost between to 0. 384

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