Pet bills aren't just for Xmas
Sunday 22 December 1996
Insurers point out that veterinary bills can run into hundreds, or even thousands, of pounds if your pet has an accident or is seriously ill. Treating a cat's broken leg, for example, now costs an average pounds 120 to pounds 450, depending on how badly the animal is injured, according to the biggest pet insurer, Petplan.
The policies also offer various added extras, such as payments for placing advertisements in local papers if your pet gets lost and third-party cover of pounds lm to pounds 2m in case, for example, you get sued after your pet attacks someone.
But pet owners need to balance the risks against the cost of this cover - which is steep. Premiums vary depending on where you live, whether your dog or cat is pedigree or not, and the size of the excess (the first part of any claim that you agree to pay). Premiums also tend to be higher for certain large breeds of dog, such as Great Danes and Rottweilers.
Typically, as the table shows, the policies are far from cheap - it may well be cheaper to insure your car than the family pooch. But if you could not afford to meet a bill of, say, pounds 500 to pounds l,000 in an emergency, then pet insurance may be worth considering.
That said, many people will conclude that the cost simply is not worth it. The insurance does not cover routine bills, such as inoculation; you cannot usually get cover for animals of more than, typically, eight to 10 years old; and you also have pay the first part of a claim in the form of an excess.
- 1 Alan Rickman admits editing 'terrible' script with friends in Pizza Hut behind backs of writers on Robin Hood: Prince of Thieves
- 2 18th century sex toy found in 'toilet of sword fighting school' in Poland
- 3 US? China? India? The 10 biggest economies in 2030 will be...
- 4 'I wish my teacher knew...': Young students share their 'heartbreaking' worries in notes
- 5 Rebecca Francis accuses Ricky Gervais of using 'influence' to target female hunters after receiving barrage of death threats
The only black face in the Ukip manifesto is on the page about overseas aid
If I’m being racially abused I don’t need a stranger with a saviour complex to rescue me
Ukip is the only main political party to not address LGBT rights in its manifesto
Food banks: One million Britons will soon be using them, according to Trussell Trust
BBC election debate: The one photo that summed up the whole 90-minute leaders debate
Religion isn't growing, it is becoming vigorous in its demise, says philosopher AC Grayling
iJobs Money & Business
£20000 - £25000 per annum + OTE £45,000: SThree: SThree Group have been well e...
£50000 - £667000 per annum + excellent benefits : Ashdown Group: IT Manager / ...
£13000 - £20000 per annum: Recruitment Genius: Scotland's leading life insuran...
£40000 - £45000 per annum + benefits : Ashdown Group: Training Programme Manag...