Peace-of-Mind For Pet Owners Essay Sample For College

Life comes with some major decisions and commitments. All of which require preparation to be done right. A person does not just buy a house without an inspection or a car without a Google search. Accepting the responsibility of owning a pet is similar and many people do not understand that pets are just as time-consuming and expensive as a child. Pets need food, water, shelter, and most importantly, medical care. They come with expenses that exceed the initial adoption or purchase which is what most people fail to realize. A way to defer or mitigate some of the costs that come with the medical incidents, pet insurance was created to financially protect people from the unexpected events that life throws at them, and their pets. Animal injuries are especially unpredictable, and no matter how well they are taken care of, accidents are inevitable. Illnesses or diseases can occur at any time and preparing for them, financially, is difficult. Therefore, all new pet owners should obtain pet insurance immediately after gaining a new furry member of the family. Purchasing pet insurance gives an owner the freedom to live with and love their new family friend without a constant worry about money.

The necessity of pet insurance is growing fast. Veterinary bills are skyrocketing because medical issues that used to result in euthanasia for animals can now be treated with new technology, and the technology that was once only available for humans has now become available in the everyday veterinary clinic. According to an author for veterinary practice management, Stowe (2000), “77% of Americans cannot afford to pay out-of-pocket expenses exceeding $500”(p.639). Because many Americans can not afford the increasingly high veterinary bills and abandoning pets is punishable by law, pet insurance is becoming one of the only options available for people that will give people peace-of-mind in this day and age. The idea of putting a beloved member of the family down is now such a hard decision for any pet owner to think about and it is one of the hardest parts of being a veterinarian, but if euthanasia was not the only option then another route should be pursued. A former veterinarian, Stephens (as cited by Udell, 2014) knew this issue all to well because he “became disenchanted by how many times he had to put animals to sleep because the owners couldn’t afford treatment”(p.29) and he even went as far to label it “economic euthanasia”(p.29), but he saw this opportunity to make a solution and that was, Idaho-based Pets Best Insurance. Stephens understood that Pet insurance would allow for veterinarians to “work as if it is free” (Stowe,2000) and not worry about if the owners can cover the costs. They do not have to focus their worries around the costs and are able to focus on the well-being of their customers cherished family members as it should be.

Some may believe that pet insurance is entirely a luxury item and is not affordable for the general population. In the article by the Australian and New Zealand Institute of Insurance and Finance, Muldowney (2015) points out that “many owners treat their animal companions to premium pet food and indulgent spa treatments”(p.1). This example along with when she stated that “It’s not uncommon for owners to drop their pet off at doggie daycare on the way to work and designer handbags can now be fashioned to fit a precious pooch”(p.1) show that Pet Insurance did not become a well-known global industry because nobody was buying it. People started buying pet insurance because pets have become more than just cats and dogs. They are named members of the family with, in some cases, celebrated birthdays which emphasizes on their personification and growing importance within families. Due to their significance in most households, pet insurance premiums are not always viewed as something a pet owners can live without. They would rather work to find a plan that fits their needs and price range then not be protected at all from a financial crisis. But these premiums have become easier to prepare for financially with a little bit of pre-purchase research because pet insurance premiums are based on an animals gender, age, weight, and breed. A simple notation that should be noted is the fact that there is a strong correlation between size and cost of the premium, because the larger the animal, the more predisposed to certain types of conditions they become. The most commonly used pet insurance, Pet First Pet Insurance, pays up to 90% of the vet bill each time and has unlimited lifetime benefits with an annual coverage limit of up to twenty thousand dollars. These and most all insurance companies allow the insured to pick what the plan covers which alters the monthly price that the insured pays so no owners plans are the same and it is all based on how much they want to risk and how much they would be willing to pay to feel comfortable on a daily basis.

The majority can eliminate the choice that they may have to make between their wallet and their loved one if they choose pet insurance because it allows the majority of costs to be covered depending on the plan that is chosen. In a survey commissioned by the Animal Health Alliance, Muldowney (2015) mentions “that almost 90 percent of pet owners regard their dog or cat as a part of the family and often treat them better than the humans in the house”(p.3). This phenomenon has become more common in the United States where a man’s best friend has become a literal thing and not just a figure of speech. People have grown to pamper their furry family members because we have made them such a big part of our society through dedicating supermarket aisles to them to integrated them into our police force. We are growing to see them not just as animals but people that we dress up in stylish outfits. Furthermore, there is always a level of risk in making any decision but it is better to be safe than sorry. In a financial advice textbook, Anderson (2012) explains her story and states “when I adopted Bailey… I thought the costs would be minimal”(p.70). After getting Bailey, she soon had a huge change in perspective and “In the three years I’ve had Bailey, I’ve shelled out $5,956 for vet visits and medicine”(p.70). After acquiring the dog, Bailey was diagnosed with a possible brain tumor that she had treatment for and the costs for the doctor’s visits and medication built up. These situations can be unknown but pet insurance is there for when something does go wrong and people run the risk of paying for it and nothing happening to their pets which may be bad financially but in a pet owners eyes, a healthy pet that had no issues in its lifespan is not anything to complain about.

Pet insurance gives a pet owner comfort and tranquility. Animals are unable to communicate their feelings and can be very unpredictable at times, so knowing that they are always covered is a good feeling for most. In an article by the Australian and New Zealand Institute of Insurance and Finance, Muldowney (2015) mentions “when Fiona and Scott Howe’s kelpie, Buster, swallowed a leather glove while running around a Melbourne dog park, they were concerned for both his health and their bank balance”(p.1). There was no way for them to prepare or know that their loving dog would swallow a random glove in the dog park. If they did not have pet insurance, then they would have been left to pay thousands of out-of-pocket bills that they could not afford. According to the general manager of Petplan Australasia, the world’s largest pet insurer, Golden (as cited by Muldowney,2015) mentions some of the crazy pet accidents that they have come across including “cats jumping into washing machines”(p.2), “dogs getting caught in soccer nets”(p.2), and “ two horses in the same paddock running into each other after being scared by lightning”(p.2). Unfortunately, animals get themselves into strange situations just as children do. Pet insurance is just a way for people to prepare for the worst and still be able to sleep at night without worrying about what their beloved family members will get into. In an academic journal from Monmouth University, Skiba and Paul (2012) state that “In 2009, total spending on pets was $45.5 billion, with over 26% ($12.04 billion) spent on veterinarian care”(p.88). With these costs exponentially increasing every year, and the unpredictability of animals, pet owners are left with two choices. Either they can take a chance on something happening to their pets or pet insurance can have their backs.

An accompanying factor to the the increase in importance that animals have begun to play in families, is the desire to do everything they can to save a loved one from death. Sometimes people do not understand that animals get diseases and cancer and these illnesses are complex. As Kubicek, a doctor of veterinary medicine and diplomats of the American college of veterinary radiology, stated, “The need for multimodal cancer treatment does not stop with human patients” and she exemplifies the idea that cancer can be found in other living organisms and treatments for things as comprehensive as cancer are still being changed to make applicable to animals. In order for any new treatments and technology to be developed or altered to be applicable to animals, money is required. As Stowe (2000), an author for veterinary practice management, stated “In order to provide the best care and to keep abreast of the latest technologies, we have to invest in education, equipment, and supplies, which, in turn will continue to raise the costs”(p.641), we have to charge pet owners in order for them to receive the best care available in veterinary medicine. The best and the most developed things come with a price, and Pet Insurance is there to minimize the out-of-pocket costs for the best care.

It is necessary for pet owners to have pet insurance because it prepares them for the many accidents that can come their way. Animals are not predictable in most ways and that can lead to many incidents that have very few ways to prepare for them, but pet insurance is the best option because it has the ability to relieve the stress of worrying about what could happen because a pet owner knows that they have prepared for the worst.

The Protestant Reformation In England

Have you ever thought of how many churches are in the city you live? There are probably many different churches with different denominations that could be found where you live. Most of these churches would be classified as either Protestant or Catholic. With all these different types of churches, have you ever thought of where they all came from? The answer is that most of the churches you find in your city are a result of the Protestant Reformation. The Protestant Reformation was an effort to separate from the Roman Catholics and the Pope. The effort was a success in the long term, but resulted with persecution in England during the 15th century.

In 1501 King Arthur rose the throne of England and married Catherine of Aragon (Lambert). When Arthur died in 1502, his brother Henry became king and married his wife Catherine with special permission from the Pope (Lambert). However, the marriage did not go as planned when Catherine had four miscarriages and their only son died at seven weeks (Lambert). After Henry failed to have a male heir with Catherine, he began to think that God was punishing for marrying his brother’s wife (Lambert). Since Catherine was opposed to divorcing Henry, he pursued the help of the Pope (Lambert). However, the Pope refused to help Henry divorce his wife (Lambert). This was just the beginning of the problems. In Leviticus 20:21 it says, “If there is a man who takes his brother’s wife, it is abhorrent; he has uncovered his brother’s nakedness. They will be childless (NASB, Leviticus 20:21).” If the Pope was following what the Bible teaches, there would not have been this issue regarding the royal marriage. The Bible is very clear that it is against the law to marry your brother’s wife. The Pope should have never allowed Henry to marry Catherine. By allowing the marriage occur, the Pope was promoting immorality.

Since the Pope is head of the Roman Catholic Church, he basically telling every Catholic person that he is above the law and has the power to change the law. At this point when Catholics listen the Pope even when he blatantly disregarding the Bible, they are treating him as god. The Pope is under the God’s law. After the Pope would not allow Henry to divorce Catherine, he took matters into his own hands (Church of England). In 1534 Henry passed the Act of Succession and the Act of Supremacy (Church of England). This made Henry the head of the Church of England and cut the ties with the Roman Catholic Church and the Pope (Lambert). Henry quickly rose to power over the Church of England and approved the divorce between him and Catherine (Pettegree). The acts Henry took after establishing the Church of England show he wasn’t invested in it. All Henry wanted was to divorce Catherine. By establishing the Church of England it gave him the platform to gain more power to do what he pleased. Henry was trying to gain enough power so he could be above the law and make his own laws and choices just like the Pope. The actions of Henry show he only cared about himself and the power he could have. This makes Henry in my mind a dictator. When King Henry died in 1547, his nine year old son, Edward, rose to the throne (Lambert). Since Edward was only nine and too young to rule, Edward Seymour, the Duke of Somerset, became the Lord Protector (Lambert). During the reign of Edward the Protestant Church was fully introduced to England (Pettegree).

The push for Protestantism across England was partially due to the strong friendship between Archbishop Cranmer and the Lord Protector (Pettegree). During Edward’s reign a lot was done to remove Catholicism from England (Pettegree). They published new prayer books and removed the Catholic paraphernalia from the churches (Pettegree). However, there was not enough time for the changes in the church to take root before Edward died 1533 (Pettegree). The reign of Edward was good for England. He began to lead England in the right direction. If Edward would had lived longer, the history of England would be completely different. When Edward died, Lady Jane Gray became queen since Edward had altered the succession order (Mary I). After Jane became queen, Mary, the daughter of Henry and Catherine, made proclamations and gathered up an army at her Norfolk estate (Mary I). Nine days after Jane became queen, the Privy Council reversed its decision and crowned Mary as the queen of England (Mary I). The rise to power by Mary brings to light who she really is. Just like King Henry, she was only concerned about herself and the power she could gain. When she wasn’t crowned queen, she did everything in her power to reverse the decision. Unfortunately for the Protestants, Mary’s plan worked. After Mary was crowned queen, she was very quick to reinstate the marriage of Henry and Catherine as just (Mary I).

Since Mary was a Catholic, she hated the laws that had been put in place under Henry and Edward (Lambert). In her efforts to restore Catholicism to England, Mary restored Catholic mass and repealed the Act of Supremacy (Lambert). She also ordered that all married clergy leave their wives or their posts (Lambert). In 1554 Mary announced her decision to marry Prince Phillip of Spain who was very unpopular among the English Protestants (Mary I). After promising to allow Mary to keep control over England and to keep England in English hands, Parliament approved of the marriage (Mary I). Up to this point Mary had been peaceful and had only made policy changes, but this was about to change (Mary I). In 1555 Mary revived the English heresy charges and began to persecute the offenders (Mary I). This marked the beginning of the persecutions against Protestants. Thomas Cranmer, the archbishop of Canterbury, and a longtime advisor to King Henry was one of the first people to be burned at the stake under the rule of Queen Mary (Mary I). Over the span of the next couple of years, around three hundred Protestants were burned at the stake under the heresy laws (Mary I). Some even died in prison and approximately eight hundred Protestants fled England to Germany and Geneva where they knew they were safe (Mary I). The persecutions under Mary drew sympathy for Protestants and alienated people from the Catholic Church (Lambert). In 2 Corinthians 12:10 it says, “Therefore I am well content with weaknesses, with insults, with distresses, with persecutions, with difficulties, for Christ’s sake; for when I am weak, then I am strong (NASB, 2 Corinthians 12:10).”

The Protestants did not buckle under the pressure the Mary. Even though they were persecuted, it made them stronger. While it appeared from the outside and to Mary that the Protestants were becoming weaker with the persecution, it was really creating a stronger bond between the Protestant community and made it even harder to get rid of the Protestants and establish Roman Catholicism. Also in 2 Corinthians 11:13-15 it says, “For such men are false apostles, deceitful workers, disguising themselves as apostles of Christ. No wonder, for even Satan disguises himself as an angel of light. Therefore it is not surprising if his servants also disguise themselves as servants of righteousness, whose end will be according to their deeds (NASB, 2 Corinthians 11:13-15).” These verses describe the reign of Queen Mary perfectly. She used the cover of Catholicism to secure her reign. All Mary was concerned about was gaining and keeping power in England. In order for her to do that, she murdered hundreds of people that were opposed to her. She is not worried about being a good Christian and following the Bible. A real Christian would not murder three hundred people because of some differences between the denominations. The sole purpose of Mary was to keep the throne no matter what it took and it is no surprise she earned the nickname Bloody Mary for all the blood she was responsible for shedding. In 1558 Elizabeth took the throne following the death of Mary (Pettegree). After a long five years under the reign of Mary in which Catholicism had been reestablished in England, it was time for another change (Pettegree). Under the reign of Elizabeth, the changes made during the Mary’s reign were reversed including the reinstatement of the Act of Supremacy (Lambert). After the changes it remained obvious to Elizabeth and her councilors that some subjects remained attached to Catholicism (Pettegree). One bishop was removed after he refused to take the Oath of Supremacy and about a third of the parish clergy was removed because of their ties to Roman Catholicism (Lambert). The approach Elizabeth takes after people refuse to take the oath spreads light on the way of leadership in that time. If you disagreed with the queen then you were forced out of your position.

It didn’t matter whether what you did was a crime or not. If you were viewed as a threat to the throne you were eliminated. That is just how it was in that time. After Elizabeth reestablished Protestantism, most people accepted the religion (Lambert). However, Catholics could still be found around England practicing their religion in secret (Lambert). In 1569 the Catholics in northern England rebelled against Elizabeth (Lambert). They planned to replace Elizabeth with Mary Queen of Scots, who was being held prisoner by Elizabeth (Lambert). The rebellion was quickly brought down and many of the rebels were hanged in 1570 (Lambert). In 1570 the Pope formally excommunicated Elizabeth and told Catholics they no longer needed to obey Elizabeth (Lambert). Starting in 1581 Elizabeth began to fine people for not attending the Church of England (Lambert). Later in 1585 all Catholic Priests were ordered to leave England in forty days or face treason charges (Lambert). This was to help crack down and try to weed out Catholicism in England.

The Protestant Reformation in England during the 15th century was a roller coaster ride. You never could be safe being practicing either Protestantism or Catholicism because the religion in power was constantly changing. During the reign of Henry, England officially broke from Rome and the Pope, but the motive for the separation was questionable. The Church of England was established by Henry so he could gain more power and become above the law and divorce his wife, Catherine. He completely disregarded the covenant he made with her before God. Edward’s reign started setting the roots for Protestantism, but he died too soon and his work faded quickly under Mary. Mary despised Protestants and undid all the work done by Henry and Edward to separate from Catholicism. She murdered hundreds or innocent people at the stake to advance her own church denomination and secure her spot on the throne. However, it back fired on her when it made the Protestant movement stronger. This rolled right into the time of Queen Elizabeth. Elizabeth worked to clean up the bloodbath that was left from Mary. She reinstated the Protestant laws of Henry and Edward. She slowly weeded out Catholics by making fines for those who did not attend the Church of England and eventually forced all Catholic priests leave the country. While this move helped save the country of England, the fines and exiling the priests were not the best way to promote Protestantism. In the end hundreds of people die in the Protestant Reformation. A lot of lives could have been saved if people weren’t more worried about power and fame. Rather than excluding all Catholics, there should have been a push to preach to the Catholics and show them what the Bible really says. Everything would have been different if instead of focusing on power and control of the throne, people showed God’s love and focused on what the Bible said and lived by it.

The Ride To Reconstruction

John Brown, an American abolitionist once wrote “Slaves are, and of right ought to be as free and independent as the unchangeable Law of God, requires that All Men Shall be.” His goal was to carry out and accomplish the abolishment of slavery, however, he died before the Thirteenth Amendment was passed in 1865 abolishing slavery and involuntary servitude. In the years following the abolishment of slavery, emancipated slaves and white allies gather together to discuss what it meant to be “free” causing a ripple between the Northern and Southern states. This time period lasted for a little over ten years and would be known as the Reconstruction Era. The goal was to rebuild the shattered nations (Foner 565) however, it failed in many ways such as racial problems and inequality for example Louis Hughes wrote in “Thirty Years a Salve”, how sickening it was to see his fellow servants hung because they tried to escape to the Union but there was also some success during this era. The Fourteenth and Fifteenth Amendment was created, which allowed people of color to take a stand against the race problems without fear and address the government in regards to equal suffrage.

Unquestionably, the Reconstruction Era is of value to our nation’s history because it provides us with insight on the many failures and triumphs Americans faced while trying to define what it meant to be free in America during this time period. Undoubtedly, the Reconstruction Era failed many Americans both white and black. The racial problems and inequality in the south did not evolve. The new southern government created Black codes to regulate the lives of former slaves granting them certain rights like marriage and property ownership but prevented blacks from testifying in court against whites or even vote (Foner, 580). In a pledge titled Equal Suffrage, the colored citizens of Norfolk, Virgin addressed the people of the United States in 1865 describing the challenges they have endured in regards to obtaining equality. The pledge mentions how they were in a state of “serfdom” unable to choose their employers. Former slaves now had to purchase their own clothing and their families clothing as well as pay taxes, however, they were living in a state of poverty due to planters refusing to pay, low income or no job opportunities and in certain districts some planters refused to recognize their colored workers as free and killed anyone who tried to leave their plantations. Similarly, former slaves were also subdued into sharecropping which allowed them to rent a piece of land but guaranteed the planters a stable labor force. In the pledge, the colored citizens of Norfolk are asking for suffrage, which means the right to vote.

They informed the people of the United States that they could rely upon them to secure justice for themselves, and all Union men, and to keep the State forever in Union and they deserved suffrage, they are American. In addition, the Reconstruction Era saw lots of bloodshed. The death toll included black, white, male, female and children. Louis Hughes twin infants died from malnourishment because his wife was overworked as punishment for trying to escape and ultimately was unable to nurse. Furthermore, blacks were also shot and lynched. The Southern government even created its own Democratic military force known as the Ku Klux Klan or the KKK which terrorized the Republican Party. The KKK committed some of the most heinous crimes known to date. They killed both black and white people, instilling fear in anyone who opposed their views. Their most heinous crime took place during the Reconstruction Era, in Colfax, Louisiana where the KKK overtook the city by storm shooting cannons and killing several former slaves and even black militia after they surrendered. Eventually, the Southern government could no longer control the Klan and had to ask Washington for help so they created the Enforcement Acts which allowed the president to use his army against terrorist societies including the Ku Klux Klan (Foner, 596). The Enforcement Acts was just one of many benefits that came out of the Reconstruction Era. Union Soldiers would help former slaves reunite with their family, like the two brave men in “Thirty Years a Salve” by Louis Hughes. Additionally, Congress passed two important Amendments during this era. The first was the Fourteenth Amendment, which guaranteed citizenship and rights to any one born in the United States and the second was the Fifteenth Amendment which prohibited states from discriminating based on race for any voting privileges, however, this did not mean colored people were automatically accepted into society.

Subsequently, some people still did not believe blacks deserved voting privileges so they used nonracial excuses like illiteracy and property qualifications to prevent them from being included in the public votes. Nevertheless, with the creation of these amendments and the abolishment of slavery blacks were able to run for office and win elections and at one point in the Reconstruction Era, there were two black men in the United States Senate office. Finally, with the North and South actively working together and talking about some issues the nations were finally coming together. Ultimately the Reconstruction Era formally ended with the Bargain in 1877. The Northern and Southern states finally came to an agreement allowing the Democratic control over some of the Southern states. African Americans continued to vote and even held office in some states, however, the race problem did not end with the Reconstruction. Frederick Douglass gave a speech titled “The Race Problem” in 1890 to the Historical Association in Washington, DC informing the nation of his views on “The Negro Problem”. Mr. Douglass stated “the true problem is not the negro, but the nation”.

Blacks were considered as citizens, but treated indifferently. They were able defend our nation but were not honored like the White American Soldiers and even were allowed to vote but were intimidated at the ballot boxes making it impossible. All of these rights granted to them during the Reconstruction Era but still not acknowledged by most of the nation. Mr. Douglas also made another valid point in his speech, he said that the south wasn’t afraid of the ignorant negro but the intelligent North; not the supremacy of a different race from itself, but the supremacy of the Republican Party. That is why the Reconstruction Era is so essential to American History because that is when we really started to notice the rise and falls of the different political parties. Generally speaking, I don’t believe the Reconstruction Era ever ended since we still face racism, sexism and the states remain politically divided between the Republicans, Democrats or the Nonaffiliated, however, with all things considered, Douglas had faith and we should too. He finished his speech by saying “whatever disappointments and discouragements may come, truth, justice, liberty and humanity will ultimately prevail” meaning no matter what is to come, we will get through it as a nation.

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