Doggy Mad!

Peter Finch asked:


Insuring Fido is not something that immediately springs to mind. When our dog falls ill or suffers an accident, the vet bills can be exhorbitant. It is not unusual for even basic, minor veterinary procedures to cost hundreds of pounds. If our family pet becomes seriously ill or hurt, the bill can run into thousands and place a very great strain on our finances.

If we are unable to afford vet bills for our pet, at the very least this can mean distress and discomfort for them. In the case of serious illness it can mean that we have to make a very unhappy decision to have Fido put to sleep because the treatment that will save him simply cannot be paid for. Insuring our dog ensures that we are never placed in such an unhappy predicament where we have to choose between our loved pet and our financial security.

Today, we have a legal duty to ensure that we provide all the necessary care for our dog or face severe penalties and even run the risk of getting a criminal record for not providing care as required. There is no NHS for pets so we must make sure that as responsible dog owners we can pay for the often, very expensive medical services that our dog may need. Not only can we satisfy our legal responsibility that we now have to care for our pet, but ensure that they continue to enjoy a good quality life and continue to play their part in our lives.

There is also the liability that we carry for the behaviour of our dog. If our dog runs into the road and causes a traffic accident, we as the dog owner can be held liable for causing the accident. If our dog bit someone, we are liable for the damage and distress that is caused. The cost of dealing with such an instance can be ruinous unless we have a means to pay for the bills that are incurred or be able to pay to defend ourselves legally. Dog insurance policies can be used to cover for any such eventuality.

We have all seen posters for missing pets from time to time. Insuring our dog will allow us to be able to cover the cost of a reward for finding Fido should he decide to wander off, as well as help cover the cost of advertising in the local press. Make sure that any policy will cover these basic things as they are frequently the cause of an insurance claim on these policies.

Carrying dog insurance makes a great deal of financial sense. It is cheap and easy to arrange, with cover costing pennies a day which when you set that against the thousands of pounds that a vet bill may result in, is all too easy to see the financial arguement for having the policy. Unlike insuring our lives, medical underwriting is kept to an absolute minimum so filling forms should be quick and very easy to do.

Probably the greatest benefit to be gained from holding dog insurance is the peace of mind that comes with it. You cannot always be certain how your dog will behave or what fate has in store and no matter how much you love your four legged friend, your bank balance may simply be unable to withstand the financial cost of looking after them. Peace of mind can cost you pennies, but there is no price you can place on the value of knowing that if the worst happens you have one less thing to worry about.

If you insure your car, you should insure your dog. It is cheaper and simpler to set up and you are more likely to claim on the policy than claim on your car insurance. Take the opportunity to consider how much it may cost you if you do not cover Fido not just from the financial aspect of him falling ill, but from him taking a bite out the postman or chasing a cyclist across the street. Legally you have to insure your car, but common sense requires you do the same for Fido.



Dog tips!

Simon Hemmings asked:


Dog owners no need worry anymore, petplan have a dog insurance to cater for your needs, if your looking for maximum cover for your dog then “Covered for Life policy” is for you. The dog insurance by Petplan UK is designed for dog owners worried about their pet developing a long-term illness, like arthritis or eczema, needing extensive treatment from a vet.

If your looking for a slightly cheaper more basic coverage for your dog then Petplan UK has some for one for you called “Pet Value” and is designed for dog owners who want cover to provide help with the initial high cost of veterinary treatment.

Below is a summary of both petplan co UK for dogs:

Pet Value



Vet. Fee: £3,000 per condition for 12 months

Complementary Treatment:limited cover included in Vet Fees

Third Party liability: up to £1 million



Covered for Life



Vet. Fee: £4,000 per condition for 12 months

Complementary Treatment: Up to £750 per year

Third Party liability: up to £1 million

Advertising and reward:up to £250

Boarding fees: Up to £250

Emergency Repatriation: Up to £500 per year

Quarantine Exenses and loss of documents: Up to £1,500 per year



Excess Payments

With the Petplan dog insurance you will pay the first £250 per incident of Third Party property damage claims. You pay an excess for the Veterinary fee cost of treating each illness or injury. Your excess will vary on where you live and the breed and age of your pet. You pay an excess on Emergency repatriation costs and Quarantine expenses and loss of documents claims.

For details more details on the dog insurance by Petplan UK kindly click on the link here.



Dog tips!

Robert Scott asked:


Nowadays, almost everybody is taking some or the other dog insurance policy, so that they can gift a healthy life to their precious pet. Such services not only preserve a good amount of monetary assistance for your dog but also ensure an instant source of help whenever required. Most of the insurance providers are associated with numerous veterinarian and medical centers, so that the pet owners can directly approach them at times of urgency. Various pet insurance policies are now available in the finance market for providing economic assistance to the pet owners.

However, there are few mandatory steps that must be considered before finalizing any dog insurance deal. First of all check for all the services and facilities that your insurance policy covers. Like any other human being, even dogs need the regular medical check ups. Hence, make sure that your preferred insurance program does have substantial monetary scope to bear the expenses of these important check ups. Moreover, dogs easily catch infections and other seasonal problems. In fact, contagious health problems are severely prominent with dogs. And for this clause also, most of the insurance companies have made special financial arrangements. Other than all these expenditures, the policy must also cover for some very common problems such as medical bills, foreign body ingestion, bone fractures, accidents, allergic reactions and first time sickness. These insurance policies also pay for advertising expenses, if your dog gets lost or missing. Hence, do not wait any more and immediately settle for a good dog insurance policy.

On the other hand, even the insurance companies follow some important specifications before offering the various services of the insurance policy. First of all they check the health condition and the age of the dog. Most of the insurance providers are interested in young dogs, as they have less chances of sickness. However, with an adult dog, it gets tougher to obtain a beneficial insurance program as they are more likely to catch infections and diseases. In addition to this, your pet is also required to go through a medical check up, so that if your dog is suffering from any fatal disease, it can be easily detected. Therefore, it would not be incorrect to state that insurance package for an old dog is somehow an expensive deal. Hence, if you have recently bought a dog then this could be the most apt time to buy a decent dog insurance program.

You can easily inquire about the various insurance companies that are offering dog insurance through the medium of Internet. All leading insurance providers are available on the web with their websites that display each and every detail about the insurance policy. Any interested pet owner can also directly apply for their services through the online procedure. However, make sure that you read all the clauses and objectives carefully so that you can insure an appropriate insurance deal for your most valued pet. So, if you have a dog and wish for his long life then immediately select an insurance policy.



Dog tips!