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  1. #6
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    Insurance

    I have always insured mine for the first year as very often big problems can show themselves at that point,heredity etc,normally then stop,although with two babes at the moment Welly hares around & jumps half way up doors & spins round & off again so suspect he could do big injury so have given them a second year !
    I then put the insurance premium for each into a seperate account & to begin with kept fingers crossed that nothing big occured before I had a tidy amount in there but with four others it is surprising how quick that mounted up. When you think a lot of the time a one off visit comes to less than you can claim on & as they get older the premiums go up & the excess you have to pay gets higher it all becomes a calculated risk but....!
    I have to say that I am better off than if I had paid insurance premiums even covering the old girls monthly tablets her insurance premium would have been higher than they cost I have also got a nice nest egg for them so providing no more than two need big treatments at once we will be ok plus pot grows every month...
    Daughter looks at it a different way,if something big goes wrong I will use credit card & pay that off.
    Working at a vets I see both sides of the coin but I have chosen the tail side !

 

 

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