If there’s two things you should know about me it’s this:
1. I love animals
2. I’m always skint
Add to this the fact that I now live in a place of my own and have three furry companions, and suddenly point 2 becomes even more true!
However, I consider my pets to be my family, so spending money on them is no different to if I was to have children – it’s just an expense that comes along with the joy of having them and you can’t put a price on the love and companionship they provide.
As you’ll know if you’ve read previous blog posts of mine or follow me on social media, with the rehoming of Poppy at the end of March came a battle between pooch and human as I try to tackle the numerous issues she has. She’s a beautiful, kind hearted girl, but she has a few personality traits that need tweaking, one of which was her inability to sleep through the night.
Last month I spent £300 on aids to help her settle and sleep through. THREE HUNDRED POUNDS. However, now my furry little fireball of energy goes to bed when I do and, for the most part, stays quiet until she hears my alarm go off in the morning. Success!
Another major expense that comes along with having animals is pet insurance. I worked it out the other day and I spend over £750 a year on insuring my three! I almost fell of my chair when I realised but I honestly wouldn’t ever think about removing this cost from my expenditure. When Wilf was a kitten he fell from a height and landed badly on his hip, dislocating it and causing himself horrible pain. A call-out to the vet in the middle of the night, appointments and medication ran into the hundreds of pounds, but all of these were covered (bar the excess) by my insurance company.
It may hurt my purse strings a little when the £63 leaves my bank account each month, but when the worst happens having insurance really makes all the difference. With lots of different options available you should be able to find a deal that works for you, whether that’s adjusting the excess payable, the amount covered or the length of the policy, you can tweak it to fit your budget and needs.
One thing to watch out for though – make sure you read the small print to see if there is anything the policy doesn’t cover. I’ve found that most of them don’t seem to cover dental work, which is pretty annoying as both my cats have an issue with their teeth which relates to their breed, so I’ve had to pay out for 3 lots of treatment for both of them in the past. Just my luck!
So, what do I think; is pet insurance worth having? 100% completely and wholeheartedly YES. Although you may feel like you’re paying for nothing most of the time, it’s important to remember that when tough times come calling, with pet insurance covering the costs, financial outlay is one less thing to worry about.
* In Association with Brand *
Is pet insurance worth having