Does pet insurance cover heat stroke?

Australia is known for producing some scorching summers. Heat stroke is a serious risk for animals during high temperatures, potentially leading to significant health issues and costly veterinary treatments. This article delves into the symptoms of heat stroke in pets, preventive measures, and how pet insurance can assist with treatment costs.

Heat stroke, or hyperthermia, occurs when an animal's body temperature rises above the normal range, leading to tissue damage and potential organ failure. Pets primarily regulate their body temperature through panting and have limited sweat glands, making them more susceptible to overheating. 

A body temperature exceeding 40°C is indicative of heat stroke in dogs and cats. Immediate veterinary attention is essential, as heat stroke can be life-threatening.

Recognising the signs of heat stroke early can save your pet's life. Common symptoms include:

• Excessive panting or difficulty breathing
• Drooling or foaming at the mouth
• Bright red, gray, purple, or bluish gums and tongue
• Vomiting and diarrhea (possibly with blood)
• Lethargy or weakness
• Uncoordinated movements or collapsing
• Seizures
• Elevated heart rate
• Little to no urine production
• Coma

Cats may exhibit more subtle signs than dogs, such as restlessness, excessive grooming (in an attempt to cool down), or seeking out cool surfaces. If you observe any of these symptoms, you may want to follow the steps in the next section and, if symptoms persist, refer your pet to a vet.

If you suspect your pet is suffering from heat stroke, consider the following steps:

1. Move them to a cool, shaded area immediately.
2. Apply or spray tepid/cool water onto their fur and skin.
3. Use a fan to enhance cooling through evaporation.
4. Offer small amounts of cool (not cold) drinking water if your pet is conscious and willing to drink.
5. Avoid using ice-cold water or ice, as this can constrict blood vessels and impede cooling.
6. Contact your veterinarian immediately for further instructions and transport your pet for professional medical attention.

Remember, heat stroke is a medical emergency. Even if your pet appears to recover, internal damage may have occurred, necessitating a veterinary examination.

Many accident and illness pet insurance policies in Australia cover conditions like heat stroke. However, coverage can vary between providers. It's essential to review your policy's Product Disclosure Statement (PDS) to understand:

• Coverage inclusions. Ensure heat stroke and related treatments are covered.
• Exclusions. Be aware of any conditions or situations not covered by your policy.
• Sub-limits. Note any limits on claimable amounts for specific treatments.

Waiting periods. Understand any waiting periods before coverage begins.

Prevention is the best approach to protect your pet from heat stroke:

• Provide ample fresh, cool drinking water at all times.
• Ensure access to shaded, well-ventilated areas.
• Avoid exercising your pet during the hottest parts of the day; consider opting for early morning or late evening walks.
• Never leave your pet in a parked car, as temperatures can rise rapidly, even on mild days.
• Be cautious of hot surfaces like asphalt, which can burn your pet's paws.
• Consider using pet-safe sunscreen on areas with sparse fur to prevent sunburn.

Additionally, certain breeds, such as brachycephalic (short-nosed) dogs and cats, are more susceptible to heat-related issues and may require extra precautions.

As temperatures rise, being vigilant about your pet's well-being is paramount. Understanding the signs of heat stroke, taking preventive measures, and ensuring you have appropriate pet insurance coverage can provide peace of mind and protect your furry companions during the Australian summer.