Originally Posted by orangebird:
“That's great - on those figures, you've been saving for 4 years? What happens if you'd needed the money in the first or second year?
Also, if your dog was diagnosed with something like diabetes, that would cost quite a bit more than £30 a month to deal with... I know my scenarios are what ifs and may not happen at all, but I am happier not taking any chances.”
That's why we got insurance for our dog. Our last dog, sadly had to be put to sleep last May due to sudden and rapid detoriation due to Cushings caused by long term steroid therapy for allergies, itching and recurring ear infections.
For years we tried everything to get her relief and wanted to avoid steroids but when everything else had been tried and all tests to determine the exact cause were inconclusive the vet said if we had insurance we would have 2 choices left: steroids or an incredibly expensive treatment (can't recall the name or figure quoted now but she was talking hundreds per month) but as we hadn't got insurance steroids were the only option and our last resort. Granted she was 12 when she was pts but I really feel that she would have had a few more years had we had a good insurance policy to cover the expensive drug therapy.
Now we have a Westie, reknowned for skin complaints, so should she have similar trouble we'll be able to get the pricey drug that does all that the steroid does without the dirty side effects. We could never put away enough each month to cover expensive long term treatment.
As it happens we would have got our last dog insurance but she already had ear and skin trouble when we got her so insurance wouldn't have covered that. We were determined to get this one insured before anything could be diagnosed! Tbh accidents or fractures or what have you weren't forefront in my mind when sorting the insurance; it's the long term medical conditions. That's why I was determined to have a good policy in place this time round.
Touch wood I won't need it but I won't consider it a waste of money if I don't. It gives me peace of mind and some hope that this wee lady won't have to suffer like our poor old girl did so I'm happy to pay it every month. (well, I say that now while it's reasonably priced. I reserve the right to change my mind and cuss the thieving sh*tehawks in several years time when they've increased my payments tenfold just for the craic.)