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Cold and Creaky: TruInsights Into How Winter Weather Impacts Our Pets

Cold and Creaky: TruInsights Into How Winter Weather Impacts Our Pets

寒冷和脆弱:寒冬天氣如何影響我們的寵物
GlobeNewswire ·  12/04 21:00

Pet medical insurance provider Trupanion received more than 126,000 musculoskeletal claims in 2023 alone

寵物醫療保險提供商Trupanion僅在2023年就收到了超過126,000個肌肉骨骼索賠

SEATTLE, Dec. 04, 2024 (GLOBE NEWSWIRE) -- Something crisp and biting this way comes. Temperatures are dropping, and as we begin to bundle up for the wintery weather, our pets, particularly older pets, may begin to show additional signs of pain, discomfort and stiffness.

西雅圖,2024年12月04日(環球新聞社) —— 寒冷而刺骨的氣息正在逼近。氣溫正在下降,隨着我們開始穿上厚衣應對寒冷天氣,我們的寵物,尤其是老年寵物,可能開始顯示出額外的疼痛、不適和僵硬的跡象。

In 2023 alone, pet medical insurance company Trupanion (Nasdaq:TRUP) paid 61,000 limping claims, nearly 35,000 cranial cruciate ligament (CCL) rupture claims, 32,000 arthritis claims and 1,200 hip dysplasia claims. These conditions can be aggravated by cold weather, and Trupanion data shows older pets are significantly more likely to be affected than adult pets, puppies or kittens.

僅在2023年,寵物醫療保險公司trupanion(Nasdaq:TRUP)支付了61,000個跛行索賠,近35,000個顱十字韌帶(CCL)斷裂索賠,32,000個關節炎索賠和1,200個髖關節發育不良索賠。這些狀況可能會因寒冷天氣而加重,Trupanion的數據顯示,老年寵物比成年寵物、小狗或小貓更容易受到影響。

"It's important to insure pets when they're young," says veterinarian and Trupanion General Manager, Dr. Stephen Rose, BVSc (Hons1) M Infotech CVA ACVCHM. "So that as they age, should any chronic conditions such as arthritis and hip dysplasia arise, there are fewer financial barriers to care. If pet parents wait to insure until their pet is older, there is higher likelihood that their pet will have pre-existing conditions and then it may be too late," said Rose.

「對寵物進行保險是很重要的,當它們年輕時,」獸醫兼Trupanion總經理斯蒂芬·羅斯博士說,「所以當它們年老時,如果出現任何慢性狀況,比如關節炎和髖關節發育不良,就沒有太多的經濟障礙。如果寵物家長等到寵物年紀大了才投保,那麼他們的寵物更有可能有既往病史,那麼就可能爲時已晚,」羅斯說。

Top Musculoskeletal Claims for Dogs (since 2019)

自2019年以來狗最常見的肌肉骨骼索賠

  • Limping
  • Cranial Cruciate Ligament Rupture (CCL)
  • Arthritis
  • Hip dysplasia
  • Pain and discomfort
  • 跛行
  • 顱關節韌帶斷裂(CCL)
  • 關節炎
  • 髖關節發育不良
  • 疼痛和不適

Top Musculoskeletal Claims for Cats (since 2019)

自2019年以來貓咪的主要肌肉骨骼索賠

  • Arthritis
  • Limping
  • Hip dysplasia
  • Pain and discomfort
  • Fracture
  • 關節炎
  • 跛行
  • 髖關節發育不良
  • 疼痛和不適
  • 骨折

How the Cold Aggravates Musculoskeletal Conditions

寒冷如何加重肌肉骨骼條件

Some suggest that cold weather can make our joints feel stiff and uncomfortable, and it could have a similar effect on our pets, especially older ones or those with arthritis. As the cold fronts move in, we can become less active, which can lead to a more sedentary lifestyle and therefore stiffer joints from disuse. However, in colder temps, it's been theorized that the joint fluid can also thicken – offering another possible explanation for joint stiffness during the colder months. Additionally, the barometric pressure drops, which can cause joint tissues to enlarge, and in arthritic joints, this can be quite painful.

有人認爲寒冷的天氣會讓我們的關節感到僵硬、不舒服,尤其是對於年長的寵物或患有關節炎的寵物可能影響更大。隨着寒冷空氣的侵襲,我們可能變得更不活躍,這會導致更加久坐的生活方式,從而由於不活動而導致關節更加僵硬。然而在較低溫度下,有理論認爲關節液也會變稠——這可能是在寒冷月份導致關節僵硬的另一個可能解釋。此外,氣壓下降,可以導致關節組織膨脹,在關節炎患者的關節中,這可能非常疼痛。

For pet owners looking to keep pets comfortable during winter months, Dr. Rose adds, "Be sure to provide very comfortable bedding that's easy for your pet to get in and out of—even warming bedding or blankets if appropriate. Watch their diet and try to maintain their exercise routines as best you can—adding extra weight to already stressed joints can cause additional pain. If your veterinarian has prescribed or recommended them, be sure to keep their joint supplements or medications on hand as they may be in more pain during this time of year."

對於想要在冬季讓寵物保持舒適的寵物主人,Rose 博士補充道:「一定要提供非常舒適的牀鋪,讓寵物容易進出,甚至如果合適的話可以加上保暖的牀鋪或毯子。留意它們的飲食並儘量保持它們的鍛鍊計劃最佳狀態 —— 給已經受到壓力的關節增加額外的重量可能會導致額外疼痛。如果獸醫開出或推薦這些補品或藥物,請確保隨手備有,因爲它們在這個時候可能會感到更多疼痛。」

Musculoskeletal Conditions: By the Numbers

肌肉骨骼條件:根據數字統計

Arthritis is a common concern for pets. From 2019 – 2023, arthritis was one of the three most frequent musculoskeletal claims for both cats and dogs with nearly 93,000 claims. In 2023 alone, Trupanion paid around 29,000 claims for dogs and 3,700 claims for cats.

關節炎對寵物來說是一個常見問題。2019年至2023年,關節炎是貓和狗中三種最常見的肌肉骨骼索賠之一,幾乎有93000起索賠。僅在2023年,Trupanion 爲狗支付了大約29000個索賠,爲貓支付了3700個索賠。

Arthritis is a chronic condition that appears in higher numbers as pets age. Dogs over 7 years-old are 2,476% more likely to suffer from arthritis than younger dogs. Cats over 7 years-old are more than 3,724% more likely than younger cats. The average arthritis claim is $272 for dogs and $233 for cats. The single highest arthritis claim Trupanion paid was $19,829 dollars.

關節炎是一種慢性條件,隨着寵物年齡的增長,出現的次數也越來越多。7歲以上的狗比年輕狗患關節炎的概率高出2476%。7歲以上的貓比年輕貓患關節炎的概率高出3724%。狗的平均關節炎索賠額爲272美元,貓爲233美元。Trupanion 支付的最高單筆關節炎索賠爲19829美元。

Top 5 Cat Breeds Claiming for Arthritis

前五名聲稱患有關節炎的貓種類

  • Siamese
  • American Shorthair
  • Maine Coon
  • Bengal
  • Ragdoll
  • 暹羅貓
  • 美國短毛貓
  • 緬因貓
  • Bengal
  • Ragdoll

Top 5 Dog Breeds Claiming for Arthritis

前五名最常因關節炎索賠的犬種

  • Shetland Sheepdog
  • Cocker Spaniel
  • Great Dane
  • Labrador Retriever
  • American Pitbull Terrier
  • 喜樂蒂牧羊犬
  • 可卡犬
  • 大丹犬
  • 拉布拉多獵犬
  • 美國鬥牛犬

Cranial Cruciate Ligament Rupture, or as some may more commonly recognize this, a CCL rupture, is a painful degenerative knee illness. Trupanion sees, on average, 25,085 claims for CCL rupture from dogs each year. From 2019 – 2023 the number of CCL rupture claims that Trupanion paid was well over 125,000, with nearly 34,500 of those claims coming in 2023 alone. Senior dogs (over age 7) are 301% more likely to have a CCL rupture claim than adult dogs or puppies. On average the CCL rupture claims that Trupanion pays are $1,419, with the highest claim being $20,438.

顱前十字韌帶斷裂,或者如一些人更常見的稱爲CCL斷裂,是一種疼痛的退行性膝關節疾病。Trupanion平均每年收到25,085起CCL斷裂索賠。從2019年至2023年,Trupanion支付的CCL斷裂索賠數量超過了125,000起,其中僅2023年就有近34,500起。老齡犬(年齡超過7歲)患CCL斷裂索賠的可能性比成年犬或幼犬高301%。Trupanion平均支付的CCL斷裂索賠金額爲$1,419,最高索賠額爲$20,438。

Top 5 Dog Breeds Claiming for Cranial Cruciate Ligament Rupture:

佔領腦十字韌帶斷裂的前5名狗品種:

  • Olde English Bulldog
  • Rottweiler
  • American Pitbull Terrier
  • Boxer
  • Bernese Mountain Dog
  • 英國古代鬥牛犬
  • 羅威納犬
  • 美國鬥牛梗
  • Boxer
  • 伯恩山犬

Trupanion pays almost 500 hip dysplasia claims for cats each year on average, paying a total of 2,492 claims from 2019 – 2023. Over 1,200 of these claims were from 2023, and when normalized for growth was a 127% increase year over year from 2022. Much like other conditions, senior cats are 871% more likely to have a hip dysplasia claim than adult cats or kittens. To-date the single highest claim Trupanion has paid was $10,726.

Trupanion 每年平均爲貓支付將近500例髖關節發育不良索賠,從2019年至2023年共支付2,492例索賠。其中,超過1,200例索賠來自2023年,經過增長的歸一化處理後,與2022年相比每年增長了127%。與其他情況類似,老年貓患有髖關節發育不良的索賠概率比成年貓或小貓高出871%。至今爲止,Trupanion 支付的最高索賠金額爲$10,726。

Top 5 Cat Breeds Claiming for Hip Dysplasia:

前5名貓品種因髖關節發育不良進行索賠:

  • Maine Coon
  • Mixed Breed
  • Siamese
  • Ragdoll
  • American Shorthair
  • 緬因庫恩
  • 混合品種
  • 暹羅貓
  • Ragdoll
  • 美國短毛貓

Limping claims also found their way into the top three musculoskeletal claims for both dogs and cats. Limping can be indicative of many different conditions, and these claims are often from vet visits that require diagnostics to assess the underlying cause. From 2019 – 2023, Trupanion paid 208,138 limping claims. 8% of Trupanion's insured dogs and 1.8% of insured cats have had a limping claim. Just in 2023, Trupanion paid 58,890 limping claims for dogs and 2,263 limping claims for cats. And once more we see the matter of senior pets being impacted at much higher rates, with senior dogs 202% more likely to have a limping claim than adult dogs or puppies, and senior cats 191% more likely than adult cats or kittens. The average limping claim Trupanion paid for dogs was $610, and $312 for cats while the highest claim was $15,976.

跛行索賠也成爲狗和貓肌肉骨骼索賠的前三名。跛行可能暗示着許多不同的狀況,這些索賠通常是獸醫診斷所需的造影檢查以評估潛在原因。從2019年至2023年,trupanion支付了208,138起跛行索賠。trupanion的被保險狗中有8%曾提出跛行索賠,被保險貓中有1.8%曾提出跛行索賠。就在2023年,trupanion爲狗支付了58,890起跛行索賠,爲貓支付了2,263起跛行索賠。我們再次看到老年寵物受到更高比例影響的情況,老年狗比成年狗或幼犬更有可能提出跛行索賠高達202%,而老年貓比成年貓或幼貓更有可能高達191%。對於狗,trupanion支付的平均跛行索賠爲610美元,對於貓爲312美元,而最高索賠額爲15,976美元。

Top 5 Dog Breeds Claiming for Limping:

跛行索賠的前5名狗種類:

  • Border Collie
  • Rottweiler
  • Newfoundland
  • Bernese Mountain Dog
  • Olde English Bulldog
  • 邊境牧羊犬
  • 羅威納
  • 紐芬蘭
  • 伯恩山犬
  • 英國古代鬥牛犬

Top 5 Cat Breeds Claiming for Limping:

聲稱步態不正常的前5名貓種:

  • Maine Coon
  • Persian
  • British Shorthair
  • Siamese
  • Bengal
  • 緬因庫恩貓
  • 波斯貓
  • 英國短毛貓
  • 暹羅貓
  • Bengal

Begin Coverage Before the Trouble Starts

在麻煩開始之前開始投保

As the data shows, senior pets are far more likely to claim for musculoskeletal conditions than puppies and kittens or even adult pets.

如數據所示,老年寵物比幼犬、幼貓甚至成年寵物更有可能因肌肉骨骼狀況而索賠。

"It's vital to insure pets when they're young, so that as they age, should any chronic conditions such as arthritis arise, there are fewer financial barriers to care," says veterinarian and Trupanion General Manager, Dr. Stephen Rose, BVSc (Hons1) M Infotech CVA ACVCHM. "If pet parents wait to insure until their pet is older, there is higher likelihood that their pet will have pre-existing conditions and then may be too late."

「最好在寵物年幼時給它們投保,這樣當它們年紀增長時,如果出現慢性病如關節炎等疾病,就沒有太多的金錢障礙來進行療養,」 Trupanion的獸醫和總經理Stephen Rose博士說到,「如果寵物主人等到寵物年紀偏大才投保,就更有可能讓寵物患有既往病史,那時可能就爲時已晚。」

Trupanion covers the ailments most likely to happen to a pet, so long as the pet doesn't show any signs or symptoms of the condition before enrollment or during waiting periods. And as can be seen from the data above, Trupanion pays thousands of claims related to musculoskeletal conditions every year.

Trupanion覆蓋了寵物最有可能發生的疾病,只要在註冊或等待期間寵物未出現任何疾病跡象或症狀。從上述數據可以看到,Trupanion每年支付數千起與肌肉骨骼狀況相關的索賠。

About truInsights

關於truInsights

truInsights is a data focused initiative introduced by Trupanion and designed to deliver valuable health-related data and insights to pet parents, veterinarians and pet lovers alike. With over 20 years of pet health data, Trupanion has explored its veterinary invoice data from more than two million pets and provides details on data trends, as well as prevention tips for keeping our pets safe.

truInsights是由trupanion推出的一個專注於數據的倡議,旨在向寵物父母、獸醫和寵物愛好者提供有價值的健康相關數據和見解。憑藉超過20年的寵物健康數據,trupanion已經研究了來自200多萬隻寵物的獸醫發票數據,並提供數據趨勢詳解,以及保持寵物安全的預防提示。

About Trupanion

關於Trupanion

Trupanion is a leader in medical insurance for cats and dogs throughout the United States, Canada, Europe, Puerto Rico and Australia with over 1,000,000 pets currently enrolled. For over two decades, Trupanion has given pet owners peace of mind so they can focus on their pet's recovery, not financial stress. Trupanion is committed to providing pet parents with the highest value in pet medical insurance with unlimited payouts for the life of their pets. With its patented process, Trupanion is the only North American provider with the technology to pay veterinarians directly in seconds at the time of checkout. Trupanion is listed on NASDAQ under the symbol "TRUP". The company was founded in 2000 and is headquartered in Seattle, WA. Trupanion policies are issued, in the United States, by its wholly-owned insurance entity American Pet Insurance Company and, in Canada, by Accelerant Insurance Company of Canada. Trupanion Australia is a partnership between Trupanion and Hollard Insurance Company. Policies are sold and administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). For more information, please visit trupanion.com.

Trupanion是美國、加拿大、歐洲、波多黎各和澳大利亞的貓狗醫療保險領軍企業,目前有超過1,000,000只寵物參保。20多年來,Trupanion給寵物主人帶來了內心的寧靜,讓他們可以專注於寵物的康復,而不是財務壓力。Trupanion致力於爲寵物父母提供寵物醫療保險中的最高價值,終身保額無限。憑藉其擁有的專利技術,Trupanion是唯一一家擁有技術能力在寵物出診時立即在幾秒鐘內直接支付給獸醫的北美供應商。Trupanion在納斯達克上市,交易代碼爲"TRUP"。公司成立於2000年,總部位於美國華盛頓州西雅圖市。在美國,Trupanion的保單由其全資子公司American Pet Insurance Company發行,在加拿大,由加拿大Accelerant Insurance Company發行。Trupanion Australia是Trupanion與Hollard Insurance Company合作的夥伴關係。保單由Trupanion Managers USA,Inc.(加州許可證編號0G22803,NPN 9588590)銷售和管理。欲了解更多信息,請訪問 trupanion.com.

Contacts:

聯繫方式:

Media: Trupanion Corporate Communications

媒體:trupanion公司通信

Corporate.communications@trupanion.com

Corporate.communications@trupanion.com


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