Monday, 2 June 2014

The Importance of Pet Insurance

When having a pet they become part of the family. I have a dog called Shortie and two cats called Tigger and Harvey. I recently found out that I was very wise to get pet insurance for them as Tigger has become ill with an ongoing over active thyroid problem. There has been many a times in the past where I have thought about cancelling my insurance but I am so glad I didn't. 

I have had Tigger since he was 8 weeks old. He is now 13 years old. In the last year I have noticed that he has lost a lot of weight. I thought this was because he is getting on a bit but when I took him to the vets for his yearly booster jab I told them about it and they had a feel around and said they think it could be an over active thyroid. First thing they needed to do was to take a blood test which would cost over £80 to test to see if this was the case. So they took the blood and it came back that yes he does have the condition and now he would need to take a tablet twice a day for the rest of his life. The tablets cost over £25 a month. 

Tigger aged 8 weeks old. 

I started Tigger off on the tablets and then three weeks later he had to go back to the vets to have another blood test to see if he was on the right dose. Again this would be another £80 or so. Luckily it came back he was on the right dose so he didn't need to be changed. I have now claimed on the pet insurance who will pay out for his tests and tablets (minus the excess of £60). This is a huge help to our family. I pay around £13 a month on insurance for Tigger and this covers him for any further tests he may need and for any other conditions that may come about during his old age. 

Tigger aged 3

Another example of where I used pet insurance was when my previous dog Sam swallowed a slug pellet from a neighbours garden which is very dangerous for dogs. He needed to be taken to the vets to have his stomach pumped, he had to stay over night and then had to be tested for kidney/liver failure. Luckily he was fine but it would have cost around £800 but thanks to pet insurance we only had to pay £75. 

I think it was a good  job I got the pet insurance in place for all my pets at an early age as you never know when they are going to need veterinary care and it isn't cheap. 

Our Tigger aged 13, happy and on the mend. 
* This is a sponsored post.

7 comments:

  1. Great post Ellen, and on the whole I agree . . . but there are exceptions. We adopt 'special needs' cats, and our last two girls (Mia currently and Looby sadly no longer with us) were/are FIV+. Opinions are split over whether insuring FIV+ cats is worth it, as some vets could put down a lot of other health issues to the FIV, so they wouldn't be covered by the insurance. We made the decision not to insure, but only because we know that we could afford the treatment on our own. Looby had cancer, and had two surgeries (at £300+ a time) plus extra visits/treatments. We're hoping that Mia will live a relatively healthy life, but our savings are there if we need them. I know we're lucky in that respect, and all of my previous cats have been insured.

    Glad Tigger is on the mend and getting the right treatment, he looks a lovely boy :) x

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    1. Awww I hope Mia gets on well. Tigger is doing well, slowly putting weight back on but is his usual self :-)

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  2. great post! It's so sad to see pet's being euthanased when they could have been cured or treated. owners have to make the horrible decision when pets are uninsured & treatments costs are too much for them :( I would advise any owner to have at least accident insurance and ideally make sure they have a lifetime policy not just a 12 month plan. Tigger seems to be doing fantastically & the peace of mind that you have treatment and regular blood tests covered must be a relief :)

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    1. Tiggs is doing great. It's a controlled condition. He is slowly putting weight back on again now too. :-)

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  3. I am not allowed to have pets where I live now but have had them (Mostly cats) for most of my life. If I were to have another cat I would definitely take out pet insurance.

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    1. Awww it's a shame you are not allowed pets. Cats are great pets.

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  4. I am pleased our chihuahua is insured! She is only 10 months old but still so little but brave! Sometimes she will leap off the settee and land with a tumble and I worry so much that she will break her leg! Her little legs are tiny - bless her! I feel comforted knowing that she is insured and it doesn't cost too much if you shop around or go to a price comparison site like I did.

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