Are you covered?

Are you covered?


Pet insurance is about covering the unpredictable
Your dog or cat may be in perfect health, full of energy and careful of traffic. You may ask yourself if it is worth insuring your pet if it’s unlikely you’ll make a claim, but an illness or injury is never predictable. As is the case with all insurance, a policy protects you from the unpredictable. Unlikely but real-life instances of a chipped tooth or skin cancer can cost a lot to remedy; pet insurance would step in and cover the bulk of the bill.

So, Should I insure my pet?
Vets unfairly have a reputation in some instances of charging like dentists. It’s not true, but the fees can be expensive for standard procedures making the cost of owning a pet unexpectedly high. Most owners won’t be hit too hard with standard and non-standard treatments, but if you are less lucky (and your pet’s situation is more complicated), you might end up paying a hefty fee. Here are some recent vet bill examples Kiwis have been faced with:

  • Sending a cat for a CT scan – $1,750

  • Cat hit by a car, broken femur – $1,800

  • Surgery to remove ingested material – $1,950

  • Chipped tooth on a cat – $2,200

  • Treating a small dog with a broken bone – $2,800

  • Cat run over by a car, emergency surgery – $4,000

  • Complicated kidney condition treatment – $5,500

To decide whether to get pet insurance, look at the above costs and be realistic about whether you could afford the bill if it was handed to you tomorrow. Would you be able to cover it? If not, pet insurance may be a good way to avoid an uncomfortable visit to the vet. 

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If you need emergency treatment for your pet after hours please call the Manukau After Hours Veterinary Clinic on 09 277 8383. This clinic is located at 15 Jack Conway Ave and is staffed by Nurses and Veterinarians all night, weekends and public holidays.