My Car Insurance

A couple of weeks ago, I came across an article by Dr J (though twitter) on the Feline Body Mass Index. It’s the same concept as the human BMI measurement where you look at a person’s weight and height and work out the percentage of body mass made up of fat.

Being the math geek in me, the article had a formula for calculating a cat’s body mass index so I thought I’d give it a whirl for my two 1 year old indoor cats, Rocket and Rosie (who will forever be known as The Kittens in our household).

Here’s your cat’s FBMI calculation:

While your cat is in a standing position, with the legs perpendicular to the ground and the head upright (good luck with that!):

1. Measure the circumference of your cat’s rib cage.

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A recent article put out by CNN suggests that a trend amongst newly married couples is to spend their honeymoon on volunteering missions. This noble act falls in line with what seems to be a renewed interest in a spirit of community service and a willingness to help those who need it most. If you are considering spending your honeymoon this way, be sure to protect yourself with visitors insurance.

As a rule of thumb, any trip abroad should involved buying an international insurance policy as part of the planning process. But this idea is especially true when the international trip in question is for volunteering purposes.

Why is this the case? There are two reasons.

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When you are visiting the United States from another country for a vacation or an extended stay, there are lots of things to worry about. Communicating in a different language, learning different customs, and simply getting where you need to go can all be a challenge. You do not need to add “getting affordable, high-quality healthcare” to that list, because visitors insurance can take care of that for you.

Because the U.S. has a privatized healthcare system in which its citizens much purchase their own insurance, typically through their employer but also sometimes through insurance companies, visitors to the country will not be able to leverage any sort of government-sponsored plan.

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No more sublimit on the Embrace continuing care benefit for those Embrace policies with RLI as underwriter (see Embrace has a new insurance partner – A+ rated RLI Corp).

Yesterday, I talked about cleaning up some niggling things about the Embrace Pet Insurance product, specifically the Embrace dental illness coverage.

Today, we talk about the old Embrace continuing care sublimit of 25% of the annual limit in the second year of the condition.

I’ve never liked the sublimit but it was something that Lloyd’s felt strongly about so that is what we offered. Now that we have some claims experience under our belts, RLI agreed with us that we could remove the sublimit if we added a lifetime limit of $50,000, so we agreed – woohoo!

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