Commonly Asked Questions About Pet Insurance


Our video on pet insurance is one of our most viewed and we get a lot of questions so in this video I go back and answer the most frequently asked questions about pet insurance. If you did not watch our first video, go watch it first.

Here are the most commonly asked questions:

Do they cover preexisting conditions?

No. If a health issue has already been diagnosed with your dog or cat, they will not cover it. Usually, after your first claim, they will request all past veterinary records and base their decision on what is covered from those records.

Is there a wait time?

Yes. There is a wait time before coverage starts, generally 30 days. Some companies offer gap coverage which covers any health problems that arise from the time you get your pet until your normal policy begins. If you are offered this, take it!

Which is the best company?

Each company has a slightly different policy that appeals to different people. Research them to find the one that is best for you.

Do they cover 100% of costs?

Generally no. Most pet insurance policies cover 90% or less of the cost of your veterinary expenses. There are policies that offer less coverage for a lower cost, which is more affordable for some people.

Do they cover preventative care?

Generally no. Normal preventative care, including dental care, is not covered under most policies.

Do costs increase over time?

Yes. Generally, the premium for a policy will increase each year as your pet ages.

How do the veterinary bills get paid?

Unlike human policies, veterinarians do not submit bills to insurance. You pay the veterinarian and then you submit the invoice to the insurance company for reimbursement. If you do not have the money upfront, some programs like Care Credit can help bridge the gap until you get reimbursed.


Overall I highly recommend pet insurance for any people who do not have the disposable income to be able to pay out of pocket for large veterinary expenses. It is a terrible thing to have to decide between your pet’s care and our finances. Avoid that situation if possible!

Houseplants That Are Toxic to Pets


Do you have houseplants, or are thinking of adding some to your home? Then check out these tips!

Many common houseplants are toxic to pets. We have them around anyway and most of the time our pets are fine with them, but there are times when we should be more concerned.

Times when you need to worry about pets and plants:

  1. When you get a new plant
  2. When you have a new pet or have a pet visiting your home
  3. When you move a plant around in your home


How to keep your pets safe:

  • Know which of your plants are toxic
  • Keep an eye on them for any evidence your pets are messing with them
  • Put them out of reach if possible
  • Call poison control if your pet eats one

New Years Resolutions to Bond With Your Pet Podcast




The New Year is here and we are all setting resolutions! So why not set some resolutions that include your pets? It will be good for you, good for your pets, and good for your relationship. Plus they can be a lot of fun!

CLICK HERE to learn more about us, including the host Liana Sanders

CLICK HERE to see the full notes on this podcast

CLICK HERE for ideas of how to get your cat to play

CLICK HERE for the top 3 benefits of walking with your dog

CLICK HERE for how to choose a healthy dog food

Fort Collins Dog Parks


If your dog needs some exercise and likes to visit with other dogs, then you have to check out the dog parks in Fort Collins! Fort Collins has a lot of regular parks where people take their dogs, but dog parks are fenced, usually have water and other amenities, and you will not get in trouble for letting your dog off-leash.

To see the City of Fort Collins rules for their official dog parks, visit their website.

Soft Gold Dog Park

520 Hickory Street

Spring Canyon Dog Park (aka Horsetooth Park)

Located at the West end of Horsetooth Road, it has a small/shy dog area, water fountains and a swimming area

Fossil Creek Dog Park

5821 S Lemay Ave, also has a small/shy dog area and drinking fountains

Twin Silo Dog Park

5480 Ziegler Road, has a small/shy dog area and drinking fountains

CSU Track Dog Park

On the corner of East Lake Street and Peterson Street. It is not an official city dog park, but the south part of the track was fenced and relegated to the dogs.


Have you gone to any of these parks? Which one is your favorite

What To Do If Your Pet Goes Missing in Fort Collins

Loosing a pet can be extremely scary, especially if you do not know where to start looking. There is a lot of information out there on how to find a missing pet, but I wanted to write something specific to Fort Collins, so you can just go down the checklist and get it done.

1. The Basics

For the first few minutes after a pet goes missing, you want to start with the basics.

  • Do a patrol of the area to see if you find any evidence of Fluffy
  • Talk to the neighbors, especially anyone working outside, to see if they noticed Fluffy going by
  • If Fluffy is a dog, swing by her favorite places to walk or any place for playdates to see if she went there
  • Read up on How to Catch a Loose Dog for some tips if you do see her running free

2. Who to Contact First

You have done the basic search and turned up nothing. This is typically 15-30 minutes after you have realized Fluffy is missing. Now it is time to reach out for help.

  • Larimer Humane Society – call to speak to animal control over the phone and give them a heads up that you just lost your pet. To submit a lost report you have to go into the shelter.
    • (970) 226-3647
    • 3501 E 71st Street, Loveland, CO 80538
  • If Fluffy has a microchip, contact the company to let them know she is missing and how to reach you, just in case your information is not up to date.
  • Contact any veterinarians, groomers, and pet supply stores in your immediate area (around a mile from where she went missing), in case someone picks her up and brings her in.

3. Social Media Time!

The internet is your best friend when it comes to finding a pet. Your friends and complete strangers are going to be happy to help you search the interwebs for any news of Fluffy.

  • Post on all of your personal social media networks. Include a recent picture, where and when she went missing and any directions you want people to follow, such as how to contact you, not to chase Fluffy, Fluffy is afraid of men, etc. Specifically ask people to share the post. If you know any people in the animal world, such as your normal dog walker or groomer, ask them to share since they have such a large reach.
  • Post on these pages. There are many pages specifically dedicated to helping reunite missing pets with their people. Post on as many as you can, but start with Facebook. That is where we have had the most luck in recent years.
    • Lost and Found Pets of Northern Colorado – a Facebook group that is very active and easy to post in.
    • Nextdoor – This is a newish system for people to coordinate with their neighborhoods on various subjects. When you post it can be seen by those directly in your area.
    • Post on Fort Collins Craigslist in the Community -> Pets section as well as Community -> Lost+Found. There is no charge to do so.
    • Helping Lost Pets – You have to fill out their online form, which gives you a flyer you can use and their website has a ton of helpful tips. Once you fill out the form, they will post it in their Facebook group.
    • PawBoost – You can pay for upgraded service, but they list your pet for free on Facebook and in their database.
    • LostMyDoggie – They post on Facebook but they also alert local shelters and rescues.
    • PetKey – A smaller page, but everything helps!
  • Head out and continue looking for Fluffy. Make sure you are able to answer the phone if someone calls! Ask your neighbors to check their garages, sheds, and yards to make sure she is not hiding there.

4. What is the Next Step?

If you are approaching evening, there are a few steps you can take, especially if Fluffy is shy and still might be in the area.

  1. Double-check with any neighbors coming home to make sure they did not see her earlier in the day.
  2. Consider leaving your door open so Fluffy can come in at night if she was lost from your home.
  3. If Fluffy is a cat, place her litter box outside where she can smell it.

5. The Next Day

You have done all of the fast, easy options and Fluffy has not been found. Now is time to dig in and spread the word that Fluffy is missing.

  • File a lost pet report with Larimer Humane Society, if you have not already done so. Consider also reaching out to the Humane Society of Weld County, the Cheyenne Animal Shelter, the Longmont Humane Society, or the Humane Society of Boulder Valley. Animals can travel surprisingly long ways and folks sometimes pick them up and take them to their local shelter, which may not be Larimer County.
  • Post a lost pet ad in the Coloradoan and small local papers. It may seem outdated, but they are still read regularly.
  • Contact local breed rescues that relate to Fluffy. For instance, if she is a Golden Retriever, contact the local Golden rescue. There are too many for me to list here, and they change regularly, so search online for one. You can also contact All Breed Rescue Network at (888) 440-6467. They keep a running list of breed rescues in the Colorado area. Sometimes breed rescues will be able to offer more suggestions or help specific to your breed.
  • Print off flyers from one of the sources you used yesterday. Post flyers in veterinary hospitals, groomers, trainers, pet supply stores, the dog park, and anywhere animal-related. Many local businesses also have community boards. Start with businesses near you and increase the distance the longer Fluffy is missing. Posting flyers on mailboxes and phone poles is illegal, although many people do it.
  • Continue to update posts online. People will be wondering if you found Fluffy and you want to keep them searching. Ask for help again and for people to keep sharing your posts.
  • Talk to people in the neighborhood where Fluffy went missing. Offer a reward for any information leading to finding her.
  • If you hear of people spotting her, go to that area and search. Shy animals can be very hard to catch, especially during active times of the day when there are a lot of people around. If you believe she might be in the area, go out during quiet times in the evening or morning when she is more likely to appear. You can also look at renting a humane trap if you are sure she is there but cannot catch her.

6. DO NOT Give Up Hope

The longer you search the more discouraged you become. Keep looking! Here are a few searches I have helped with over the years for people I know:

  • A small, very shy dog went missing. We tracked her to a neighborhood where kids had spotted her (we paid them to keep an eye out for her). After a few days, we were not able to find her until a kid came forward. A woman in the neighborhood had picked her up and had given her to a family member in Colorado Springs. Once confronted we were able to get her back.
  • A dog ran out of his front door. The neighbors a few houses down saw him, but not not the people at the end of the block. He vanished! They continued searching and found him late that night being walked by a nice couple who lived down the street. They had been leaving earlier when they saw him run by, so they put him in the garage and then left for a few hours. They had just returned home.
  • A woman’s dog had been missing for months. She sent out flyers to shelters across the country and he showed up here, in Fort Collns. Turned out a trucker had picked her up and driven her across 3 states before dropping her off at the local shelter!

We regularly hear stories of animals being reunited years after going missing due to their microchips. Keep that information up-to-date and continue your search!

7. Once you Find Your Pet

Congratulations! I am so excited for you and you must feel so relieved!

  • Take the moment and enjoy it. Do not scold Fluffy, she is just happy to see you!
  • Plan a trip to the vet if your pet was gone for a while or appears to be injured.
  • Go back and take down those flyers, lost pet reports and postings online so that everyone knows you found your fur kid.
  • Return the favor and share information about missing pets for other people!

If you have a resource that is not listed, Please Let Us Know so we can get it added!

What Color Should Your Dog’s Toys Be?



Did you know that dogs are not completely color blind? They can actually see some colors, which makes it hard for dogs to see some toys in the grass. Watch the video to learn more!



Here are a few toys that are wonderful and easy to see in the grass:

Greeley Pet Sitters


You are looking for a pet sitter in Greeley but Wet Noses is not a good match for you. (If you have not yet taken a look at our services, be sure to check them out!) We completely understand and want you to find a pet sitter that is the best match for your household. So we have some suggestions for pet sitters in Greeley.

When looking at these pet sitters keep in mind:

  • We have heard good things about these pet sitters but we do not know them personally, so be sure to screen them. We have resources at the bottom of the page to assist with the screening process.
  • Be sure to look for a pet sitter that is bonded and insured.
  • We never recommend using sitters on a site like Rover. If you do decide to look at them, be sure to screen the individual thoroughly.

Greeley Pet Sitters

Help to Find a Good Greeley Pet Sitter

How to Create a Stronger Dog and Bond With Your Dog



Are you looking to create a stronger bond with your dog? Jennifer Holmes with K9 Fitness Works is here to talk about how to form a stronger bond with your dog and demonstrate some exercises for your dog to keep him healthy and fit!

Father’s Day Ideas

If you are looking for ideas for Father’s Day, we are here for you! We have a ton of resources, so we have a list of them here so you can see which ones are of the most interest to you.

Father’s Day Activities to Do with Your Dog

If you are trying to figure out what to do on the special day, here is a list of ideas and resources to help you out!

Top 7 Father’s Day Presents

These presents will make any Dad happy and excited about their day!

Father’s Day Presents From the Fur Kids!

If you want to get a special gift from the dog or cat, this is your go-to list!

Have a wonderful Father’s Day with your pets!

Fireworks Pet Safety Tips


Holidays like the 4th of July, New Year, and others are great fun with lots of fireworks but are maybe not as fun for our pets. If you want to keep your dogs and cats happy and healthy, here are all your Fireworks Pet Safety Tips!

1. Fireworks are fun for us, but are scary for pets!

We might love the pretty lights but for many dogs and cats, fireworks can feel like the end of the world. If you keep that in mind it can make it easier to plan for your pets.

2. Make sure all tags and microchips are up-to-date

If you have moved recently then your information might be out of date. Making sure it is all current will be a life-saver if one of your pets gets out.

3. Have a current picture of your pets, just in case

If your pet is picked up by animal control you might need to prove ownership. Or if you need to make flyers you will need a current, clear picture ready to go.

4. Set up a safe and quiet place at home

If your pet does get nervous with the loud noises, it helps to have a quiet area for them to rest. This is also helpful during any festivities like parties and barbeques.

5. Make sure all windows and doors are closed

If your dog or cat were to get really nervous, jumping out an open window can look like an easy escape. Even screens might not stop a determined pet, so be safe and keep them securely latched.

6. Do not let dogs out loose in the yard

Your dog may never have shown an interesting jumping a fence before, but scary noises can push a dog to new limits. I have even heard of dogs that jumped the fence while their person was in the yard with them, so be overly cautious.

7. Try calming items like music and Thundershirts

For pets that are extra nervous, you can try all sorts of calming items. Loud music that drowns out the sound of the fireworks may help and so may calming music for dogs. So can Thundershirts, essential oils and CBD oil (check with experts on these first as some can be toxic to pets).


Be safe and have fun this holiday!