Top Adding - Insurance

Dog insurance is becoming an emotive issue with some insurance companies beginning to classify certain breeds of dog as high ri

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

sk. In such instances dog owners are finding it increasingly difficult to get their dogs covered under their homeowners insuran

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

Examples of combination products may in

ce policy and existing policy holders are finding that premiums are increasing for breeds of dog that have been classified as ‘

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

dangerous’.

Dog insurance providers are homing in on those dog breeds that are generating the highest number of insurance clai

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

s to do with dog bites or other insurance claims that can be associated with an act of a dangerous dog. The problem is rapidly

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

Combination pro

increasing with dog insurance issues across the US in an attempt to better cover the insurance risk of what is perceived to be

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

dangerous breeds of dog.

It is not yet clear on what foundation some pet insurance companies are placing their reliance on fo

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

establishing what breeds of dog are supposed to be dangerous but what is clear is that there is a continuing trend, with dog i

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

nsurance providers, towards discriminating against certain breeds of dog. What will make the issue worse is the possible move

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

towards making dog insurance mandatory at which point dog owners could find themselves either unable to obtain dog insurance or

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

priced out of the dog insurance market but illegally owning their dog if they don’t have dog insurance.

One recommendation is

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

Following aspects would a

to avoid the dangerous dog breed list when purchasing a dog but this advice is of little help to those devoted dog owners who a

dd to the challenges in developing combination products:

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

lready own a dog from the ‘taboo’ list and are struggling or are likely to struggle to get affordable dog insurance.

At the en

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

d of the day dog insurance should only be there as a safety net in the event that the something might happen. It is in every do

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

owners interest (supposedly dangerous breed or not), and that of any poor unsuspecting victim of a dog attack, to ensure that

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

dogs are kept in a safe and secure environment, not left unattended with strangers, can’t get out and are muzzled if there is e

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

Professional from academic institutions, pharmaceutical industries, health care indust

ven the remotest chance that they might bite someone while out walking.

It doesn’t need to be said that is the responsibility

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

f dog owners to help reduce the number of insurance claims resulting from a dog attacks, despite what might be considered somet

.

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

imes unthinking actions by people who are less dog aware. This in turn will help reduce the stigma that is currently growing in

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

Companies that provide selfless information through particip

regard to dog owners and greatly improve the chances of obtaining affordable dog insurance for all breeds of dog in the future

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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