Archive for the ‘Pet Insurance’ Category

Walkies on a short lead for ‘Nanny State’ dogs!

Tuesday, September 29th, 2009

Watch out, your dog could be risking it’s life just by playing! According to the article “Dogs best avoid sticks and ponds” Sainsburys Bank is urging pet owners to keep their dogs on a short leash in order to avoid potential life threatening dangers.

These new reports appear as a result of studying claims made on pet insurance. Every year there are on average nearly twenty nine thousand claims on pet insurance equating to a value of about five million pounds. Many claims are to do with lacerations caused by chasing a stick – that all time favourite pastime of a dog.

Dogs that love to chase sticks can become vulnerable to cuts and grazes to their skin and when infected could become life threatening. If a cut from infected sticks this foreign bacteria could lead to a dog catching septicaemia.

Sticks are not the only problem because there is nothing a dog likes more than throwing himself into a mucky pond or puddle! Poisonous algae are very real concerns causing problems to a dog’s health. Should these kinds of pond growth become ingested, a dog could fall ill. Nearly ten million pounds were paid out in pet insurance settlements because of drinking pond water.

The days of carefree playfulness on walks could be numbered as we all invest in a harmless rubber stick for our dogs to chase and stop our dogs from diving into those ponds.

Unfortunately we can’t protect our pets from every potential disaster out there but we can make things easier on ourselves. One definitive action we can take is to take out some pet insurance – just in case.

Tesco set to create jobs in banking!

Monday, April 6th, 2009

Amid today’s climate of downsizing and bankruptcies, a wave of new businesses being launched makes a refreshing change from all the doom and gloom! According to the article “Glasgow set the standard as Tesco set to open 30 banks” the supermarket giant Tesco are set to reverse the job loss situation in the UK’s financial services sector. Well done, Tesco!

At a time when the general public are becoming disillusioned with banks, Tesco are hoping to attract customers with their excellent reputation as a popular and familiar family brand. Plans to open thirty banking establishments across the nation began with the launch of the very first branch within its Glasgow superstore. Following on from its pilot branch a further twenty-nine branches are set to be up and running before 2010, beginning with Coventry, Blackpool, Bristol and Brislington.

Following on from the success of Tesco financial services, it is only a matter of time before the range of services expands. Many of us already in possession of Tesco brand home insurance, pet insurance, credit cards and more will be able to take advantage of the full banking package at the leading supermarket. Plans to expand are running on full throttle as once these designated Tesco banking branches are up and running, we will then be able to apply for a Tesco current account within a short sharp eighteen months. In addition to the more familiar products of insurance and credit cards, the store’s plans include much more including mortgages.

Offering a service that is traditional and conservative, it is hoped that customers will enjoy Tesco banking’s somewhat old fashioned approach. In their efforts to provide a banking service that supports customer loyalty, Tesco have reported an increase by a hundred percent of money deposited with them in the last six months. Five hundred thousand customers now bank with Tesco thanks to a recent drive in conjunction with RBS. Ever since going it alone having bought out the banking giant in July 2008, the sales figures speak for themselves. Saving accounts opened in one month alone (last December to be precise) equalled those achieved in a whole year (2007). With this in mind, it seems Tesco can rest assured they are giving customers what they want and providing a better service.

Finally, more good news was recently announced, that Tesco aim to recruit around two hundred employees to operate its financial services headquarters in Edinburgh.

Preparing for those pet dentist visits

Thursday, February 19th, 2009

Pet insurance is essential but does yours cut the mustard? According to the article “Dental bill more than just a toothache” pet owners have been finding their insurance falls short of requirements. Some pet plans do not include dental cover and therefore having to foot a great big bill they had no idea was coming.

In the UK, pet dentists bills for work that is not routine amounts to a whopping £28.5 million every year! This is some serious pet care! People with pet insurance have to fork out when it comes to paying the bill for their pet’s health. We need to be more aware of our requirements when shopping for pet insurance and stop assuming dental care features as part of the package according to Sainsbury’s Finance.

People turning down pet dental and regular care treatment has reached two point five million mainly because they could not afford it. It is feared that during the nation’s credit crunch this is a growing problem.

In order to do the best by your pet, first of all shop around for some good value for money insurance and secondly ensure your pet has a regular dental plan. Beware the insurance providers who claim their pet plans cover dental treatment for it may only cover accident related work and not routine or illness.

‘Last chance saloon’ for our pooches?

Sunday, January 25th, 2009

We are proud to call ourselves a nation of animal lovers with millions of us enjoying the company of a pet cat or dog. According to the article “Pets are for life!” we may not be able to hang onto them for much longer thanks to the purse tightening horrors of the credit crunch!

Things about us are a-changing as we cancel the annual holiday abroad, begun to tackle our inadequate culinary skills by eating in instead of out so could it mean curtains for our cats and dogs too?

Step into any UK home and where there is a dog or cat in the corner, witness it trembling with fear as to its uncertain future. People struggling to pay the bills during this crisis, according to some animal charities, are giving their animals a long hard look in an effort to find additional ways to cut costs. Disturbing news from the Blue Cross animal charity, is that they have been experiencing an increase of 56% as penny-pinching people are forced to give up their pets.

It has never been cheap to keep a pet (a dog will set you back about £10,000 throughout its lifetime and a cat will set you back about the same) but the Blue Cross suggest a number of cost cutting measures to allow us to afford the expenses of our furry (or feathered/scaled etc) best friends. One such measure is to shop around for value for money pet insurance which will save you money in the long run should your pet become injured while another is to cut back on the treats (this will actually do your pet a favour and save them from becoming obese!) Stop buying fancy toys for your pet too while you are at it! They would much rather a good walk in the fresh outdoors than some expensive gadget!

If you don’t have insurance and a costly veterinary bill appears, charities like the Blue Cross and the PDSA are available to help pet owners on a low income. When vet bills come in they can certainly appear very scary but thanks to animal charities this doesn’t have to mean the end for you and your beloved Fluffy or Fido. Currently overstretched with cats in crises and doggy dogmas, they would however encourage the pet loving public to pay a little every month toward a pet insurance plan.

Good reasons for pet insurance

Thursday, October 9th, 2008

We are all feeling the strains of the credit crunch at the moment and things could soon get worse. According to the article “Pet insurance: Protecting your pet in the credit crunch” the last thing we should think about doing is ceasing our pet insurance payments.

Average vet bills in the UK are currently recorded at just over £300. But sometimes complications happen and ongoing treatment is necessary which could run into thousands of pounds. As an example, a medical bill from fixing a dog’s broken leg following a road accident could add up to a crippling one and a half thousand pounds! The article states that upwards of fifty per cent of vets in the last five years have had to put pets to sleep just because expensive medical bills cannot be covered. This amounts to 1.6 million pet owners not being able to pay a vet bill and having to face the consequence of losing their pet forever. To avoid this happening to us, we are all encouraged to consider the positives of taking out pet insurance cover.

Throughout this credit crunch people are looking at ways to get the best value for their money and the RSPCA can offer a suggestion. They offer a policy through AXA where twenty per cent of your premium will go towards helping out the RSPCA’s charity commitment. What a good way to stretch your money that little bit further!

If considering taking out pet insurance, first of all understand very clearly what is stated in the small print. Be aware that some of the less expensive policies may only provide cover at a low value and for just a year. Ensure you take out life cover if you have a pedigree pet as they are, generally speaking, prone to illness and health complications. You will need in this case, a policy allowing freedom from time constraints.

Small monthly pet insurance payments are all that are required for financial peace of mind. One message that resonates clearly is that we don’t have to be a victim to unaffordable vets bills! We too can be financially prepared to save our pets thanks to foresight and a conversation with an insurance company.

Claiming responsibility for our pets

Monday, October 6th, 2008

According to the article “£14,000 compo after dog caused bicycle crash”, people need to accept responsibility for the actions of their pets. It points out that you can never really tell what lies in wait for you around the corner and so the sensible thing to do is to take out some pet insurance.
Nothing could make more sense if you have a pet, especially after reading about the ex-RAF pilot, Ken MacLennan (65) from Malmesbury, who had to take six months off work to recover from an accident involving somebody else’s pet dog.
The ex-pilot had suffered a broken pelvis after a dog off the lead collided with his bicycle in the Badminton Estate (May 2006). After taking the owner to court, MacLennan won damages to the tune of £14,000 in compensation. Luckily, the owner (who has not been named) had the aforethought to take out pet insurance and was able to claim on that to cover the costs.
Owners are completely responsible for the actions of their pets and should make sure they have insurance just in case the unthinkable happens. Owners of dogs should ensure their animals are trained not to chase cyclists and to run wild off the lead or otherwise keep them on their leads.

Pet insurance selling like hot potatoes

Monday, September 22nd, 2008

According to a recent article, “Quarter of pet owners have insurance” pet insurance is on the up! Never has the going been so good in the field of pet insurance and things are expected to improve further still, according to ‘Datamonitor’.

Why is pet insurance on the rise? There is an opinion that pet insurance is much more accessible than it once was. It is possible that customer were not even aware that it existed to the degree people acknowledge it today. Everybody has heard about pet insurance and people can see the benefits especially thanks to the rising costs of vet services. Technological advances in the pet medical sector are becoming more sophisticated and cost more than people are able to afford to pay.

One the most rapidly growing of all insurance markets, pet insurance is currently worth £440 million with a potential to grow to £700 million in five years.

The nation loves its pets and will go all out to provide what is necessary.

No need to lose your pet during the credit crunch!

Wednesday, September 17th, 2008

According to the article “Pets suffer as North Wales owners hit by credit crunch” our furry loved ones are the first to go when the going gets tough in one region of Britain! Many owners of pets across North Wales are suddenly finding they cannot afford the expense of keeping pets.

Animal rescue organizations are observing increases in their numbers particularly Flintshire and Wrexham in the north of Wales. One animal rescue centre, Capricorn in Padeswood has found pets are being given up due to financial pressures, repossessions and because people are generally struggling through the nation’s ‘credit crunch’ downsizing wherever possible.

People are losing their jobs and families are breaking up all because of money worries too and it is the pets that are stuck in the middle of it all, sadly ending up at an animal charity centre like Padeswood. What some people don’t seem to realise is that centres such as these are often independently run and that their funds are currently being pushed to the limit to the extent they unfortunately have to turn people and their pets away.

If not getting to the stage where owners are giving up their pets, the bad news is they are certainly neglecting certain significant expenses caused by things like neutering, insurance or inoculations. The main worry is that people seem to be cancelling their pet insurance out of desperation to cling onto extra pounds. The animals will be the ones to suffer. Whatever you do, try to resist the urge to cancel your pet insurance. Rescue centres urge pet owners to keep going on the pet insurance on account that those premiums will seem like peanuts next to a gigantic veterinary bill.

To hold on to your pets in these troubling times, pet owners are encouraged to think ahead. Keep paying those premiums and find out if you are eligible for financial assistance (there is always help available if you are suffering hardship). But, at the end of the day, if you feel you are truly unable to continue to provide a home for your pet, the RSPCA urges you to give them a call or visit their website www.rspca.org.uk.

Best pet insurance deals here!

Wednesday, September 17th, 2008

You don’t need to spend a fortune on pet insurance confides Jacob Floyd in his article, “Keep costs on a leash” published in the Independent. You don’t need to pay out a fortune for your pet and here are some top tips to help you manage your pet expenses.

With the assistance of the moneysupermarket.com, he was able to ascertain some helpful costs. Check out Tesco for the best value insurance. It will cost you under a fiver a month for a five year old cat. With possible medical bills costing thousands of pounds, this is without doubt the bargain of the century! The insurance premiums for a puppy under a year old will only set you back £7.30 a month at Tesco. When you consider the expenses like up to £2,500 in medical costs, this is a considerable saving. A dog up to the age of six will warrant premium costs of about £6.80 a month.

A good tip, Mr Jacob goes on to mention, is to avoid overpaying on your insurance. For example third party liability is useless in the case of a cat (who can claim total responsibility for the actions of a cat?) Watch out for crafty add -ons like this in your policy, you will have to pay more for something that is entirely pointless!

Hounds on Holiday

Saturday, August 9th, 2008

I have just finished reading an article about pet travel by Liz King. It is called “Pet Owners – Give owners something to chew over”  and reveals the many complications and costs that are involved when planning a trip away with our beloved pets. One thing is for sure, there is a lot more planning involved all round.

Thanks to the Pet Travel Scheme, which was introduced about eight years ago, pets have been travelling the world ‘willy – nilly’. No more hanging about in airport quarantines, pets can now enjoy the holiday with you from day one. In one month alone this year, over ten thousand cats and dogs entered Great Britain.

Sadly, the Pets Travel Scheme (PETS) is not for everyone. It can cost a fortune and there are number of strict regulations you have to take into consideration. Under the scheme, your pet is provided with a passport but to acquire one of these, your pet will have to undergo rabies vaccination and testing as well as be subjected to micro-chipping. While the Pet Passport costs about £200, paying this doesn’t mean that is all there is to it because you will still not be able to travel until six months have passed since vaccination testing. Travelling with your pet means impulse holidaying becomes a thing of the past.

After that, according to this article, there are the costs involving the transportation of your pet on holiday. This can vary from £22.50 for a return by ferry to over seven hundred pounds for flying. If you decide to travel by Eurotunnel, the cost for your pet will be about £30 as long as your pet remains in the car.

So far so good, you and your beloved pet are enjoying the south of France scenery but, there is a hiccup, the unthinkable happens and your furry friend has fallen ill. What do you need to do? You are well organised and have pet insurance. But pet insurance policies do vary and need to be read carefully and fully. The amount paid towards vets bills varies but £250 a trip is what you can expect. Ensure you have your pet insurance documents (as well as all your other insurance policy details) and its good to ensure you have local veterinary phone numbers with you too. On this subject, bear in mind that the hygiene factor and techniques employed in veterinary practices can vary from country to country. You could find certain veterinary practices across Europe of a lower standard than you would find in the UK. You may find yourself not entirely happy with how your pet is being cared for. Is it all worth it?

Essentially, you need to plan an awful lot in advance when taking your pet abroad. The article suggests we consider how our plans could be altered while accompanied by a pet. Many restaurants will not allow pets, so you need to think about how to work around this. Some hotels charge an additional amount to allow you to bring your pet.

Do you love your pet too much to take it abroad with you? There is a lot to consider when travelling with your pet. The bottom line, basically, is to consider whether or not your holiday will be more stressful with your pet around than if you were to leave it behind.