Pet health insurance

Pet health insurance works in a similar manner to human health insurance policies, in that they both include annual premiums, deductibles, co-pays and caps.

Health insurance is available for all types of pets, including dogs, cats, rabbits, ferrets, exotic birds, reptiles, potbelly pigs and various rodents.

Cost of coverage is based typically on the animal’s age, health profile and the level of care you choose. Generally, older animals cost more to cover—and some companies have age limits. Also there may be exclusions for pre-existing conditions, and some insurers may not cover certain breeds that are prone to hereditary conditions (e.g. hip dysplasia).

Tuesday, September 25, 2018


By Alfred J. Plechner, D.V.M.

This HIV virus is very similar to the FIV virus in that it appears that both viruses effect patients in a similar manner. This can be overcome in 70 % of cases involving cats and it may also apply to patients with aids.

It has been proven that a certain immune cell is responsible for protecting the body against viruses and fungi. This cell is called a T cell which is programmed through the thymus.

What might deregulate this T cell function?

A cortisol deficiency or defective cortisol will allow the T cell to be deregulated due to the pituitary gland stimulating excess amounts of adrenal estrogen, therefore it will not be able to carry out its protective function for the body, which is antivirus and antifungal.

This may be why an HIV virus, with a deregulated T cell, will allow this virus to develop into AIDS. If there is only a partial deregulation of the T cell, often AIDS will not develop.

A blood test, that I have discovered, will reveal this and also help to design a treatment program to control the disease.

There may never be a “quick fix”, however identifying and replacing this hormone imbalance, so that the T cell can carry out its function, does work once. This mechanism or imbalance has been found, the replacement therapy to again have T cell work again to protect the patient is simple. Please check the web under the Human Protocol.

For further reference, to Dr. Plechners research, please see:

Journal of Immunity

Vol 4 No 4 Annual Summary Edition 2006/07

HIV to AIDS Disease model revised

“To stop HIV progression to AIDS, we needed to find a way to suppress and control the inflammatory cytokines that drive the TH2 arm of the immune system. The inflammatory cytokines we know about today are NF-Kappa B, TNF-a and IL-6 but there could be more that will be discovered in due time. It was not only Alfred Plechner, DVM, whose 30 plus years of treating over 35,000 dogs, cats and other pets with prednisolone and thyroid that finally opened our eyes to scrapping the disease model of the past 25 years that HIV is pathogenic and directly causes immune deficiency but also the research in Germany of Albrecht Ulmer et al in a controlled study that demonstrated that even a low dose of just 5 mg daily of prednisolone could single handedly keep the CD4 counts high and AIDS at bay over a 2 year period.”

Further information is available in the Healthy Pet Network Compendium in an article entitled, “Cortisol Abnormality as a cause of Elevated Estrogen and Immune Destabilization. Medical Hypothesis, 2003.