Pug post - pet insurance.


You may remember the Pug FAQ post I did a little while ago which I hope was useful to some of you. Owning a pet is a big responsibility, it can be hard work and sometimes expensive but I hope I didn't put you off too much. I couldn't imagine life without a furry friend or two, and Pugs make the best companions.

One thing I touched on in that post was pet insurance and how much of a lifesaver it has been for us due to Lily and Lola's health problems so I thought I would elaborate a bit more on that side of things.

I would recommend taking out a policy for anybody with a pet because you just don't know what's around the corner and having something in place gives you peace of mind for the future.

Things to think about before taking out a policy:
- Pet insurance usually doesn't cover pre-existing conditions so if you're going to get it, it's better to take out a policy from the start as opposed to waiting until something goes wrong. That way there's no grey area surrounding what you can and can't claim for.
- Is the breed of your pet prone to health problems more than other breeds? If yes then take this into account when choosing your policy.
- Don't just go for the cheapest option. Weigh up the pros and cons for the different prices and, if you can afford to pay a little bit extra, go for a more comprehensive policy. 
- Some policies cover each condition up to a set price limit or a set period of time, so it's important to look out for that and bear it in mind if you think your pet may develop an illness which needs recurring treatment.
- Do you have more than one pet? Most companies offer a multi-pet discount.
- Do you have Quidco or another cash back account? Check for offers on taking out new policies!

Insurance can be paid for monthly usually at no extra cost.

Lily has had her fair share of visits to the vet. She developed an ingrowing eyelash 6 weeks after I adopted her. After weeks of visits back and forth to the vets trying eye drops I was referred to an eye specialist who charged around £100 for a ten minute consultation. Her ingrowing eyelash was diagnosed and an operation to remove it cost a further £650+. We were able to claim this back minus an excess of around £90.

A couple of months ago I found a small hard lump on Lily's leg. After going under anesthetic for an x-ray we were told it was a cyst which needed to be removed. This operation, along with the anesthetic and medication costs, came to several hundred pounds.

Lily isn't terribly good on her legs and I worry about her getting arthritis as she gets older. This is something that would be covered on our policy. Similarly Lola has a tendency to put weight on, and suffers from skin allergies. If we needed to do skin tests in the future, which can be incredibly expensive, this would be covered also.

Please think about insurance if you have a pet or you're thinking about getting a pet in the future!

(This is a collaborative post)
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  1. I entirely agree - my dog developed an ear infection six months after adoption. It burst his eardrum, and spread to his inner ear. He had several ops to clean it all out, and a CT scan too. At £2500 its the most expensive ear infection I've heard of! x

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  2. Totally agree. You never know what could happen and it's just having that security that you know your pet will be covered in case of an emergency. Max's pet insurance is pretty cheap too so it's affordable for anyone!


  3. Pet insurance is a must and any responsible owner should have it for any pet. When my staffied Dozer got really ill, there is no way I could have afforded the £2000 vet bill - and whilst he was only with me 6 months longer before he passed away, pet insurance helped him have a good quality of life. So important.