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Is your pet insured?

Pet ownership is incredibly rewarding and it would be impossible to overstate the degree to which pets can enhance your life. But veterinary treatment is costly and there is no NHS for animals!

The cost of medical care

It is important to factor in the cost of medical care when you are considering welcoming an animal into your home. Even if your pet remains healthy throughout their life, you will have to finance the cost of vaccinations, worming tablets, flea treatments and possibly the occasional visit to the vet for minor ailments to be assessed. Not forgetting the cost of neutering your furry friend.

Serious conditions and surgery

The aforementioned costs shouldn’t put too much of a dent in your finances but what if your pet becomes seriously ill or requires surgery? Things can then get very expensive indeed! For instance, last year, the costs of treating one dog which was suffering seizures totalled £30,000! This treatment would be beyond the pockets of most pet owners but would have been covered by many insurance policies. However, this month, the Association of British Insurers (ABI) has revealed that an estimated 84% of cats and 67% of dogs in the UK have not been insured by their owners.

Record pay outs for pet owners

Roughly 12.4 million cats and dogs in the UK are uninsured, leaving their owners at risk of having to cover very expensive treatment regimes. The ABI has also reported that those who had insured their pets received a total of £775 million in claims during 2017. This was a record high and represented over one million claims. There has been a 56% increase in the average pay out since 2010 and the average cost of a surgical procedure at the vets is now a scary £1,500.

Insurance take-up increasing

There are still millions of pets which are uninsured in the UK but the take-up of policies is increasing. The number of households with pet insurance rose by 11% in 2017 and the variety of policies available is also on the rise. Cover varies dramatically and there will be a policy which is right for you and your pet. But it is important to explore your options and to compare the products from the various providers before making your final choice.

Competitive market

The Pet Insurance market is a competitive one giving pet owners all the choices they need. Whilst comprehensive cover can be expensive, it could prove to be the difference between saving and losing your treasured pet. The amount you have to pay will be dependent on your pet’s age and breed together with their medical history.

The best time to insure your animal is when they are still a puppy or a kitten and it is possible to take out a policy which is guaranteed to be renewed every year for the lifetime of your pet. Lifetime policies can be more expensive at the outset but you will never face being refused cover because you have made too many claims.


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