Insuring Fido is not something that immediately springs to mind. However, the vet bills can be excessive when our dog falls ill or suffers an accident. It is not unusual for even basic, minor veterinary procedures to cost hundreds of pounds. If our family pet becomes seriously sick or hurt, the bill can run into thousands and significantly strain our finances.
If we cannot afford vet bills for our pets, at the very least, this can mean distress and discomfort for them. In the case of serious illness, it can mean that we have to make an excruciating decision to have Fido put to sleep because the treatment that will save him cannot be paid for. Insuring our dog ensures that we are never placed in such an unhappy predicament where we have to choose between our loved pet and our financial security.
Today, we have a legal duty to ensure that we provide all the necessary care for our dog or face severe penalties and even run the risk of getting a criminal record for not providing care as required. There is no NHS for pets, so we must ensure that, as responsible dog owners, we can pay for the often costly medical services that our dog may need. Not only can we satisfy our legal responsibility that we now have to care for our pets, but we ensure that they continue to enjoy a good quality of life and continue to play their part in our lives.
There is also the liability that we carry for our dog’s behavior. For example, if our dog runs into the road and causes a traffic accident, we, as the dog owner, can be held liable for causing the accident. If our dog bites someone, we are responsible for the damage and distress caused. The cost of dealing with such an instance can be ruinous unless we have the means to pay for the bills incurred or be able to deliver to defend ourselves legally. Dog insurance policies can be used to cover any such eventuality.
We have all seen posters for missing pets from time to time. Insuring our dog will allow us to cover the cost of a reward for finding Fido should he wander off and help cover the cost of advertising in the local press. Make sure that any policy will cover these basic things as they are frequently the cause of an insurance claim on these policies.
Carrying dog insurance makes a great deal of financial sense. It is cheap and easy to arrange, with cover costing pennies a day, which, when you set that against the thousands of pounds that a vet bill may result in, is all too easy to see the financial argument for having the policy. Unlike insuring our lives, medical underwriting is kept to an absolute minimum, so filling out forms should be quick and easy.
Peace of mind is probably the most significant benefit of holding dog insurance. You cannot always be sure how your dog will behave or what fate has in store, and no matter how much you love your four-legged friend, your bank balance may be unable to withstand the financial cost of looking after them. Peace of mind can cost you pennies, but there is no price you can place on the value of knowing that if the worst happens, you have one less thing to worry about.
If you insure your car, you should ensure your dog. It’s cheaper and simpler to set up, and you’re more likely to claim on the policy than on your car insurance. Take the opportunity to consider how much it may cost you if you don’t cover Fido, not just from the financial aspect of him falling ill but from taking a bite out of the postman or chasing a cyclist across the street. Legally you have to insure your car, but common sense requires you do the same for Fido.
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