Why is pet insurance important?


Sometimes I look at the amount we spend in the house on pet insurance every month a shudder, as I admit it's a lot, as not only do we have Sally dog insured, but also Dobby and Sock.  You see Guinea Pigs can also have issues that cost a lot of money to fix and at the end of the day, I would like to know we can afford that treatment if the worst happens, than having to make a perhaps heart breaking decision.

This year Dobby and Sock will be 2 and *touchwood* so far they have only been to the vets once, for an issue that was treated and cured very quickly, without having to call on insurance. Sally however hasn't been so lucky.

When I got Sally she was already at least 5 and although we have been lucky that in the grand scheme of things she has been pretty “ok” – I mean she now at least 13 (almost 14), she has had a few issues that mean we have been very glad she is insured.

A little over a year after having Sal, while she was living with my parents as I was in the refuge, she started to suddenly limp on walks and shake one of her hind back legs. We of course quickly took her to the vets, assuming her life on the street could have taken its toll and she was suffering from arthritis.

So we were shocked when they told us that in fact her whole knee was coming out of place, due to the fact the bone had bone almost completely smooth, allowing the knee joint to just pop out of place and to fix it, she would need her knee completely re-grooved. As you might expect this was a very expensive operation.

Thankfully due to the fact we had her insured we know, without hesitation the operation was affordable for us and a few weeks later she was taken in to have surgery.

I won't lie, her recuperation was long, I was lucky as the refuge allowed me to take a few days away and I slept on the sofa at my parents while Sally was on the floor beside me. But it took her a long time to be the dog she was before, but my goodness she soon became that dog and so much more.

Suddenly she could jump up and almost head butt me in the face, she could run for as long as she wanted and she could enjoy walks again.

I often wonder what life would have been like for Sally, if we couldn't afford that operation, what if I had decided pet insurance was an unneeded expense.

So please if you are wondering if pet insurance is needed or not, do keep paying, you never know what might be around the corner, it is worth it and your pet will thank you if you ever need to to call on it.

Have you ever had to call on pet insurance, or wish you had, had it?

This article has 44 comments

  1. Roger Bufton

    Had to take one of the dogs to the vet, due to a puled muscle cost over £200,

  2. Robin (Masshole Mommy)

    I never thought of this before. I need to look into this for my dog, Milo.

  3. Hey Rita

    I wouldn’t generally consider getting an insurance. After all insurance companies are just there to make profit and the amount of money you pay monthly might as well be saved in a separate savings account for rainy days.
    So far I haven’t regretted my choice, my cat was a stray, currently 6 years old and never had any issue in his life, but I think some breeds of dogs and cats will need more care. It’s really good to see other people’s perspectives though!


  4. Krystal

    I had never heard of pet insurance until a few months ago. It makes perfect sense though. Veterinary medicine is almost as expensive as human medicine!

  5. Rena McDaniel

    This came at just the right time for me. I never even considered this before but right now we have only a couple of gold fish but we are getting ready to get a new dog this Spring. It is something my husband has been wanting desperately. We lost our dog 6 years ago in an accident and just haven’t felt ready until now. Now house, new place, new memories. So we are wanting to get a great shelter do but insurance is such a great idea I will definitely be checking into it some more!

    • Georgina Kent

      I’m the opposite :/ We’ve always had pet insurance for our cat and when she was about 2 she needed a costly operation (over £500) and the pet insurance covered it and the costs of all the checkups and treatment she’d needed in the lead up to it too – if we’d put the money into a savings account instead kf paying for insurance we would have been caught short and have to find several hundred to make upthe difference. Obviously some people are lucky and never need their insurance, but we’ve had to use it several times now and we’d never be without it 🙂

  6. Nicole

    I’ve been looking into pet insurance for my kitty but my insurance company doesn’t offer it. Others I’ve spoken with say that he’s still young.

  7. Kristen from The Road to Domestication

    We’ve been talking about pet insurance for some time now for our dog and our cat. Thank you for this post!

  8. Marie

    Great post and soooo true . Vets are so expensive . xox

  9. aimee fauci

    We’ve contemplated pet insurance. I can definitely see the benefits. Vets and animal related bills can be so expensive.

  10. Pam

    We heard about pet insurance when we took our cat to the vet the last time. I think it’s a great idea!

  11. Liz Mays

    The vet can get really expensive. It’s great to be sure your furry friends are covered.

  12. Susie Wilkinson

    I had a French Lop bunny when rabbit insurance first came about and it was so cheap and definitely needed! In the 4 years he lived, it would have cost me over £5000!!!
    We’ve just been given a dog to look after now, and he’s been at the vets today for his vaccinations, and we’re now going to get him insured, it’s definitely money worth spending, especially as it gives you liability insurance too, if you met our crazy Beagle, you’d know why I’m saying that!

  13. Lois Alter Mark

    Great information. I’m so glad your dog is doing well now.

  14. Helene Cohen Bludman

    I really should look into pet insurance since our dog is getting up in years. Who knows what lies ahead, and it could be expensive.

  15. Jeanine

    When our cat got sick a few summers ago all of a sudden one day and died that same day I found out just how important pet insurance is. No one would help us, we were in a financial Rutt and we’re literally $75 short the fee for her to have been seen (it was too late anyway) we finally found a vet that took her bc I was a mess on the phone and they just sent her home to die. From then on I got pet insurance for all my pets.,

  16. Mama to 5 BLessings

    We do not have any pets due to my daughter’s allergies but I do not know if I would get pet insurance, is it pricey?

  17. coolchillmom

    I have heard of pet insurance. It is something to consider being that vet services are so expensive

  18. Paula Schuck

    I can imagine that if you feel like they are a part of your family they should be covered too. You never know when something could happen so better safe than sorry.

  19. Amber Nelson

    Wow, I guess this is something I never even considered. I will definitely look into it now.

  20. Heather

    We don’t have it for our cats but if I bought a certain breed I’d consider it. It was just too expensive for us.

  21. Stefany

    I have had many pets but never had pet insurance. I will definitely have to look into it though.

  22. Melanie

    Never really thought about pet insurance before, thanks for the important tips!

  23. Jenni E. {Sweet Pennies from Heaven}

    We’ve never had pet insurance but I know how expensive things can get. We always pay out of pocket for all of their expenses. I need to check into getting insurance though. We’ve never really even thought about it before.

  24. Veronica

    Well their meds are super expensive so I can see why insurance is so important

  25. celebbabylaundry

    pet insurance actually sounds really good, I could really go for it with my cute little animals!

  26. Amanda O.

    I couldn’t agree more! Having pet insurance has actually saved us so much money.

  27. Carmen

    Wow I have actually never come across Pet Insurance before. I literally never thought about it. I have a 1 year-old Chow Chow pup with me and he has been the vet multiple times. Mainly when we first got him *touchwood* Thank you for sharing and I am for sure going to check out some pet insurance for my baby now. xxx

  28. Maureen @ A Debt Free Stress Free Life

    I think pet insurance is probably a good idea for a dog. I have cats and honestly never take them to the vet. They are never sick until its’ that time. They have all lived long lives, the longest was 24 when I put her down, the other two 19 and 18.

  29. Amanda Love

    I’ve never gotten pet insurance for my own pets but I do make sure they are chipped and get their regular check ups. I’ll have to look into this some more.

  30. Rosey

    Aww to her knee. I’m glad that she was able to make that recovery after her surgery. I agree if you have a pet, it’s best to have that insurance just in case. Medical care is never inexpensive.

  31. Chrystal @ YUM eating

    I used to have pet insurance on my animals. We would pay money every month and then when something came up, we still have to pay for it and they would reimburse us for certain things depending on the plan. I didn’t like that they would only help with certain things and it was set up a lot like human health insurance. So, I canceled my insurance and now I put money into a savings account. That way I am 100% covered when I need it.

  32. Gingermommy

    Sadly you do not realize how much it is needed until it is really needed. Our dog was 16 and got sick quick. Yes she was older, but I would have loved to have been able to afford to keep her around a bit longer

  33. Ann Bacciaglia

    I have been concidering pet insurance for my two fur babies. I will have to look at what is covered.

  34. Anne | Delivering on the Promise

    One of the students at our church told me Sunday that their dog had to have a $4,000 surgery! Whoa!! So true that you really never know what is around the corner.

  35. Aisha Kristine Chong

    Oh wow this is truly something to think about indeed. I never thought about it before..

  36. Marielle Altenor

    We’ve been talking about getting a dog when we move and it never occurred to me that we would need to get pet insurance. That’s very good to know!

  37. Charlotte Foy

    Pet insurance has saved us a lot of money in the past few years, we have quite a sickly dog so it was a must!

  38. Life As A Convert

    I’ve heard of pet insurance before, but don’t have it. Luckily, my pets haven’t need any extra vet trips. I know it could be useful for those that do.

  39. Megan @ C'mon Get Crafty

    WE really need to get our pet insurance started. A cat and a dog, both getting up there in years, so sure to be some costly issues in the future. :/

  40. Jayne T

    I’m glad your dog is ok now, it’s so good that you had pet insurance at the time. Although insurance can seem a lot at the time, in the long run it’s well worth it for peace of mind and can save you so much if your pet gets ill or injured.

  41. Fariha

    I have never heard of pet insurance despite having cat(s) for almost 24 years. We pay out of pocket each time and when my last cat of twenty years passed away it was suddenly due to a stroke.

  42. carolyn joyce

    cant stress enough how vital pet insurance is. I pay over £50 per month for my four dachshunds and although its expensive I’m glad I have it if one of them gets ill as the vet bills are always at least £300

  43. Samantha Partridge

    This is so true! I’ve always had pet insurance for my dog as I knew if anything happened to him I wouldn’t be able to afford to pay for it. He’s just had an operation on his eye which cost over £300 so I’m just waiting to get the money back – I’ve never been more grateful that I was sensible and got insurance!

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