Do you have pet insurance for your pets? We don’t - we used to. 11 years ago Mr Hum was hit by a car we had insurance and thank goodness we did as money was very tight and the bill was over £3,500.
After that the insurance co increased the payments (we had three cats back then) and the monthly cost was £46 for all three back in 2000. The annual jabs weren’t included and any scrapes they got into always seemed to be just below the £75 excess. So we decided to cancel and since then haven’t had pet insurance and we have never had a huge bill.Little cats accident has cost £2,567 so far - there’s still an operation to come in a few weeks. DaddyHen thinks we should insure – I don’t well not with an insurance company. We now have two cats who are 12½ and 10½ - 10yrs old seems to be the magic age after which the premiums go very high and lots of things are excluded. I think we should put the premium in a box specifically for the cats – DaddyHen want to take out a policy.
We were very fortunate to have had the money in cash – no credit cards here!!!. We still met the monthly goals – except one which was to put money aside for some ground works in the garden and some house maintenance during late spring but that can wait.
Have we been foolish or have we been wise not having insurance? 12 years of paying £46 each month = £6,624 we are still £4,057 better off over the past 12 years.
Would you insure or put the money in a Cat Box?