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Pet Insurance
Photo: lx-ray of damaged knee
"Star" , a domestic shorthair cat, was involved in a road accident and needed expensive othopaedic surgery to repair a shattered knee.

It is a legal requirement for every single car owner to insure their car in the event of an accident. Consequently, you are able to have your car repaired should you be unfortunate to be involved in a collision. The other main purpose of insurance is that should any significant injuries occur to the driver or passengers there is a "pot of money" available to assist those who may be affected in their recovery back to good health.

Unfortunately, no such compulsory "safety net" exists for pets who find themselves in a similar position. Pet health insurance in the UK is currently very much regarded as an optional extra. Accordingly, the national statistics suggest that over 80% of pets remain uninsured.

If, like "Star" ( left ) your cat or dog becomes involved in a road traffic and suffers multiple orthopaedic injuries then bills of several thousand pounds are not uncommon. Rebuilding shattered knees as in "Stars" case requires a very significant input on our part at the Fairfield Veterinary Centre not just during surgery but throughout the rehabilitation and recovery process.

Whilst the technology and expertise can be readily accessible it is, sadly, only available to those who can afford it - or the insured patients!

Cost of treatment is a significant factor and major consideration for the vast majority of our patients and is a very frustrating hurdle that myself and my colleagues have to take into account on a daily basis.

Having your pet insured doesn't guarantee good health but in my experience it certainly improves your chances - which in this uncertain world is no bad thing!

 

Terry Dunne BVMS, Cert SAO, MRCVS

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