For many of us, dogs become more than just pets. They’re friends; sometimes even members of the family. When your dog is ill, the emotional impact can be overwhelming. When you first rescue a dog or take on a young puppy, it’s easy to forget to buy pet insurance.
Over the last twelve months, vet bills have been rising. Analysts estimate the average bill has increased by up to 15 per cent. Caring for your beloved pets is more expensive now than it has ever been, and the squeeze on household incomes has only compounded the effect of soaring fees.
Most of us would do anything to keep our dogs happy and healthy, but when they need veterinary help, costs can quickly escalate. Unexpected ailments and unfortunate accidents can cost hundreds or thousands of pounds. Unless you’re a motivated saver with plenty of cash, pet insurance is the only realistic option to ensure your dog is happy and healthy.
What would you do if your dog became ill? Could you cope with the cost of treatment? Without pet insurance, you could be faced with an impossible decision if your dog develops a serious illness.
Cancer – a common disease in older dogs – is incredibly expensive to treat. The cost of merely keeping him or her comfortable can be crippling. Chemotherapy is normally completely out of the question, purely because of the cost. Even fixing a dog’s broken leg can cost more than a second-hand car.
Pet insurance need not be unaffordable, but care is needed when selecting cover. Basic policies may have certain limits attached. For example, an annual claim limit may apply per animal, or per condition. In fact, most low-cost policies will enforce some kind of ‘ceiling’. Always make sure you check the small print before buying a policy with low premiums.
Premium pet insurance policies will provide mostly unlimited protection. However, this is sometimes stepped down as the pet ages. A comprehensive policy for a young dog may only cover a proportion of bills in middle age.
More and more families are researching dog insurance costs online to try to safeguard against expensive vet bills. In the same way that comparison sites can be used for car insurance, online comparison sites can be very useful in comparing pet insurance policies on a like-for-like basis.
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