We are an animal filled household (you would never guess, from our blog name, would you?) Our main pets our are cats, Layla and Jasper. Layla has some long term health issues that we see a vet for, due to her FIP diagnosis, but miraculously, is healthy and happy (well, she isn’t happy, she’s a grump, but she’s a happy in her grumpiness so we live with that!) and Jasper, apart from being a total dustbin diver who will literally eat anything, and has had a few visits to the vet for tummy upsets (which we now have medication at home to treat him for) but we don’t have to visit the vets too often, which is a good thing, because Layla does not like vet visits.
Having any pet is a huge responsibility. You have to be able to care for them, provide not only emotional care, but also physical care. Food, a safe place to live, and also make sure they stay healthy, or can get the treatment they need when they are unwell. This can be very expensive. We know this from experience. When Jasper decided to try and fly out of a tree and catch a squirrel (he thinks he is part bird) he managed to fall and fracture his leg. We took him to our vet, for treatment. He was very well looked after, but the final bill came to nearly £1000. That’s a lot of money. I know people would say that if you cannot afford a pet, you should not have them, and in principle, that is true but not everyone has a pot of money sitting in their bank account, or enough on a credit card to pay large amounts for pet care like that.
We do have pet insurance for both our cats and thankfully, every time one of them has needed treatment, all we have had to pay is the basic annual excess, which is for us, easy to afford, and the insurance has paid the rest. We pay a monthly fee for that. I don’t begrudge the amount we pay, per month, because it has been covered above and beyond when we have needed to get medical help for the cats.
I know some people say that insurance for pets is pointless. That you pay a monthly amount but may never need to actually claim it, so it’s a waste of money. I don’t agree. I currently have good friends who’s cat was unfortunately hit by a car recently. He has had lots of vet care and is recovering but the total cost has been well into £2000. They have insurance, which will pay most of it, and they are not having to decide that they cannot afford to get him the care he needs.
I also have friends who haven’t got pet insurance and they have had to make painful decisions about how to pay for the care their animals have needed, in an emergency.
Of course, insurance isn’t perfect. Now that Layla is older, the cost for her, in our monthly premium has gone up, and you do have to read the terms & conditions on your policy very carefully and know exactly what you have signed up for and what will be covered by them, but we still consider it worth it. We simply don’t have a few thousand pounds sitting around, pet insurance means we don’t worry about the “what if?”
Maybe I am wrong, is pet insurance a rip off? Do you think it’s a waste of money, or like me, do you think it’s a necessary thing to have, as a pet owner.
Layla would love to hear your thoughts… 😉