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Everyone knows how important it is to have health insurance for themselves and their family. Many do not even think about pe

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

t insurance until they have the option of spending $2,000 on your puppy that just got ran over or putting the puppy down. At

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

some point and time your pet most likely will need a major surgery. It may develop cancer or drink leaking coolant from your

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

car.

As an animal lover I really hate to see dogs and other pets that can be saved but the owner just can’t spend the money

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

upfront to save their loving friend. For the last 5 years consumers have spent 15% more each and every year on their pets. T

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

at’s 100% more you spend then 5 years ago. The cost of a good vet has risen close to this as well.

Is Pet Insurance new?

A

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

nimal insurance or most often referred to as pet insurance has been around for many years now. In fact over in the UK 1/3 to

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

half of all people in some areas have pet insurance on their pet. Getting insurance on your pet puppy is an investment. Yo

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

r dog may never get sick but if he does then the insurance will offset the cost of major surgeries. With Every insurance poli

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

cy you need to do a little research. All puppy breeds and pet breads have different traits and the rate for one pet will be

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

ifferent then another. You need to find out ahead of time what the insurance will cover. Will it cover regular checkups? W

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

hat type types of surgery the insurance will cover and hospital stays? What is you co-pay?

Insure Your Puppy or Pet When Th

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

ey are Young

When puppies are young or any pet you are more likely to get a better deal. If you get insurance later in the

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

ogs life the price will be more because adult dogs are prone to more health issues just like humans. If you are looking at s

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

aving a few bucks I recommend getting insurance that does not cover the regular checkups. This normally drops the price in h

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

lf. Yes you would still have to pay for the checkups but at the same time you are balancing out your costs if the pet never

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

ends up needing surgery.

It is always best to look at the puppy insurance plan and then make an informed decision based on y

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

our life style and the puppy. Pet insurance can be very low in price and the piece of mind it will give you is great. I know

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

I do not have $5,000 to spend on my dog if he needs surgery but the insurance will cover most of it so when and if the time c

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

omes I do not have to tell my 5 year old that we had to put his best friend down because we could not afford to save his life

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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