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.
Liam Neeson's Downton dreams
Thriller is set in the secret world of British espionage
Bomber jacket worn by Mary Berry sells out within an hour
- 2 Scottish independence: What you shouldn't tweet about if you want to avoid jail today
- 3 Scottish independence: Five reasons Salmond is secretly hoping for a 'No' vote
- 4 Isis plan to 'behead random member of the public' in Sydney thwarted by Australian police
- 5 Archbishop of Canterbury admits doubts about existence of God
Daniele Watts: Django Unchained actress detained by Los Angeles police after being mistaken for a prostitute
Scottish independence referendum: A nation divided against itself
Scottish independence: David Cameron is becoming the 'George Bush of Britain'
Russia freezes Ukraine into submission: Kiev admits country doesn't have enough fuel for winter
Scottish independence: The Queen breaks silence on referendum debate – as think tank warns of £14bn black hole if Scotland votes Yes
Portuguese academic says British are 'filthy, violent and drunk'
iJobs Money & Business
£320 - £330 per day: Ashdown Group: The Ashdown Group have been engaged by a l...
To £75,000 + Pension + Benefits + Bonus: Saxton Leigh: My client is looking f...
To £85,000 + banking benefits: Saxton Leigh: You will be expected to carry out...
Up to £90,000 + benefits: Saxton Leigh: Credit Risk Audit Manager required to ...