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Read the fine print on pet health insurance policies | Entertainment/Life

I have two senior dogs, and people often ask me if I have pet insurance. I do not. With two specialists and a primary veterinarian, I’m sure my dogs have too many preexisting medical conditions to qualify for any type of insurance at this point.

However, for someone with a new puppy or a young pet, pet insurance might be something to consider.

How does pet insurance work?







Bayou Bridge pipeline, Industrial Tax Exemption rules, Blanco Public Policy Center: Louisiana politics today (copy)

Review pet insurance policy options closely to find the right one for you and your fur baby.


Pet insurance works a lot like health insurance for people. In most cases, there’s a monthly premium. Some policies cover wellness and office visits, and most policies come with deductibles and specific criteria that may need to be met before the benefits will cover an emergency or unplanned incident.

There are several plans available, and coverage varies depending on the policy selected.

At a basic level, pet insurance pays a percentage of the bill if a dog or cat needs unexpected veterinary care. Some policies cover up to a certain percent.

Most will cover surgeries, diagnostic tests, medicines, prescription foods, supplements, dental care and hospitalization. Hereditary and congenital conditions are also usually covered.

Some clinics offer their own wellness plans that have monthly payments and include general services throughout the year.

Do some research. Not all insurance plans are equal.

Different companies, different policies

There are several pet insurance companies on the market, and each offers policies with a variety of payment plans, deductibles, cover limits and exclusions. Reading the fine print can often help in making the best decision.

Some policies pay only for medical problems or accidents while others will also pay for preventive care such as spay/neuters, vaccinations and heartworm prevention.

Some have a yearly coverage limit, and some may have a

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our two best derivative bets for the Farmers Insurance Open at Torrey Pines

The best value play for top-10 markets, top-40 markets

Farmers Insurance Open prediction

Tony Finau watches his tee shot on the 12th hole during the second round of the Houston Open golf tournament, Friday, Nov. 11, 2022, in Houston. The Associated Press

The Farmers Insurance Open gets underway Wednesday from Torrey Pines, and we’re here to offer some PGA Tour predictions for the event.

Having already outlined our two favorite outright selections for the event, we now transition into the derivative markets. By applying my statistical modeling (see below) and relevant course history, I’ve landed on two players that show value in respective markets.

Odds come courtesy of BetMGM and are reflective at the time of writing.

Methodology

Before we get to the picks, it’s important to note the statistics I used to construct a model. By doing this, it helps sort the fields and allows me to identify the best batch. Here’s the model:

  • Strokes-Gained: Off The Tee (10%) & Driving Distance (5%)
  • Strokes-Gained: Approach (15%), Proximity: 175-200 yards (5%), Proximity: 200+ yards (5%)
  • Greens in Regulation Gained (10%) & Strokes-Gained: Short Game (5%)
  • Bogey Avoidance (10%)
  • Par 4 Efficiency (10%), Par 4 Efficiency: 450-500 yards (5%)
  • Par 5 Efficiency (10%), Par 5 Efficiency: 550-600 yards (5%), Par 5 Efficiency: 600-650 yards (5%)

Farmers Insurance Open Derivative Bet No. 1

Tony Finau Top-10 Finish (Ties Included) (+100)

Not only does Finau rate out quite well in my statistical model, but he owns an excellent history at Torrey Pines.

Although he missed the cut at this event in 2022, Finau posted consecutive top-10 finishes at the 2020 and 2021 versions of this tournament. Expand the sample to include the three prior tournaments and bettors will find he’s recorded a top-10 finish in four of his past five in which he made the cut.

As

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Special session on insurance back in play | Local Politics

The Legislature will likely hold a special session next month to address Louisiana’s property insurance crisis, Senate President Page Cortez said Saturday.

State leaders are grappling with how to get property insurers into the state and reverse the trend of firms fleeing or going out of business after multiple hurricanes hit in recent years.

Cortez, a Lafayette Republican, said he plans to meet with Gov. John Bel Edwards, possibly Wednesday, to finalize plans on the need for a session and when it would happen.

“I don’t think any of us have a different solution,” he said.

The Senate leader also said he thought it could be finished ahead of Mardi Gras — a vacation and celebration time statewide — since the meetings would likely be limited.

“I think the idea is it is really one appropriation bill,” Cortez said.

The session may take place in early February and the aim would be to limit it to about five days.

Another factor is the Washington DC Mardi Gras, which takes place at the end of January and attracts a large number of state politicians.

Edwards’ office did not respond to a request for comment.

The 2023 regular legislative session starts on April 10.

State Insurance Commissioner Jim Donelon has been pressing for a special session since late last year.

Donelon, a former House member, said he wanted to re-launch an incentive program to lure property insurers into the state. The move is also aimed at reducing the rolls of the hard-pressed Louisiana Citizens Property Insurance Corp., the state-run insurer of last resort.

Those policyholders are facing huge rate hikes.

A similar plan was started after Hurricane Katrina hit in 2005.

But in December, Cortez and other state leaders, including Edwards, were unenthusiastic about a special session and said the issue could

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Photos of Kobe Bryant’s remains shared ‘for a laugh,’ lawyer says

LOS ANGELES An institutional “culture of callousness” led Los Angeles County deputies and firefighters to shoot and share photos of the remains of Kobe Bryant and other victims of the 2020 helicopter crash that killed the Lakers star, his 13-year-old daughter , and seven others, a lawyer for Bryant’s widow told a jury Wednesday.

Vanessa Bryant’s attorney Luis Li told jurors in his opening statement in US District Court in her invasion of privacy trial against the county that the cell-phone photos shot at the crash scene by a deputy and a fire captain were “visual gossip” viewed “for a laugh,” and had no official purpose.

“They were shared by deputies playing video games,” Li said. “They were shared repeatedly with people who had absolutely no reason to receive them.”

An attorney for the county defended the taking of the photos as an essential tool for first-responders seeking to share information when they thought they might still save lives at the chaotic, dangerous and hard-to-reach crash scene in the Calabasas hills west of Los Angeles

“Site photography is essential,” county lawyer J. Mira Hashmall said.

Vanessa Bryant cried frequently during her lawyer’s presentation. She was still wiping tears from her eyes minutes afterward during a break.

Li told jurors that learning a month after the crash about the photos’ circulation not from the county but the Los Angeles Times compounded her still-raw suffering.

“January 26th, 2020, was the worst day of Vanessa Bryant’s life. The county made it much worse,” Li said. “They poured salt in an open wound and rubbed it in.”

Li played jurors security video of an off-duty sheriff’s deputy drinking at a bar showing the photos to the bartender, who shakes his head in dismay. The lawyer then showed an image of the men laughing together

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