Summary

Until you need it you wont realise how costly veterinary care can be. A classic case for insurance!

Pet Insurance. Warning: a visit to your vet can severely damage your wealth.

Author: Michael Challiner (best loans)

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The Chinese year of the dog started last January. And according to Chinese tradition, anyone born in the following year, will be honest and loyal. They also arent much concerned about wealth.

This could help to explain why there are 5.2 million homes owning dogs without pet insurance cover. As many will have discovered to their cost, theyre leaving themselves exposed to enormous cheap secured loans veterinary bills.

The average cost of treating a dog following a road accident is £379 and the cost of just a scan could exceed £1,000. And as Veterinary science becomes more advanced with breakthroughs in medicine and surgery, the cost of owning an dog can potentially increase.

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There is no National Health Service pets and if your dog is ill, remortgages detailed diagnostic tests, surgery, medication and care can mean an unexpected shock to your pocket. Studies have shown that on average, an insured pet owner makes a claim every three years.

But do take care. Pet insurance policies vary widely in terms of their cover, the excess you have to pay, the maximum costs that can be reclaimed each year and various exclusions.

So when youre on the net shopping for pet insurance, mortgages its important to swot up on the small print. Dont automatically fall for the cheapest. Cheap premiums customarily reflect limited cover. For example, not all insurers will cover your pet for life. This means that if your dogs problem requires ongoing treatment, then cover ceases at the twelve-month stage.

Take Sheila Follows spaniel, Bonny. Seven years ago Sheila wisely took out insurance cover for Bonny as soon as Bonny joined the family as a pup. All was well until the first spring. Then, Bonny developed a skin allergy and later that year a hip problem. Treatment has been ongoing ever since requiring regular visits to the local vet. (secured loans)

Sheila says," Bonny has to have a motor insurance quote special diet and regular injections to control her allergies. The bill from my vet is usually between £375 and £450 per month so my decision seven years ago to take out insurance, proved to be one of my best investments. My insurance premium is just £15 per month and Im not sure what wed do if we werent insured!"

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