Pet insurance for your cat or dog, why you should buy it now.

Tom and Chopsy in the garden. Pet insurance on Chopsy will no doubt mean he never gets sick!

Tom is the bigger cat at the front of the picture.Isn't he beautiful.
Tom is the bigger cat at the front of the picture.Isn't he beautiful.

Pet insurance. A low priority.

I must admit that taking out pet insurance was a pretty low priority in our house until recently.We have two wonderful pet cats called Tom and Chopsy but have never gotten around to taking out any form of pet insurance, which we have now discovered was a huge mistake.

Pet insurance just wasn’t one of the things you think about when your pet is healthy, but by the time they aren’t, it is far too late. Pet insurance doesn’t cover existing conditions, so by the time your pet is ill it’s too late to take out the insurance.

Our beloved pet cat Tom is one of the family, my youngest daughter paid for him with her own money when she was four years old and they have been inseparable ever since.

Even now, as a seventeen year old the first thing she says when she walks through the door is ‘where’s Tom?’

A few weeks ago when our eldest daughter came home for a visit she was shocked when she looked at Tom. I guess living with him and seeing him every day we just didn’t notice how thin he was getting, or how scruffy his coat had become. We took him to the vets the very next day where they diagnosed bad tooth decay.

Waiting for dinner. Their food is now low protein, low sodium and low salt but hopefully high in taste.

Animals don't show pain.

We were horrified to think that the poor old cat had been suffering toothache for who knows how long. We were racked with guilt that we hadn’t noticed anything wrong with him before. The vet assured us that animals can go downhill very fast and that it is common for people not to notice anything amiss until it is almost too late, which made us feel a little better.

The vet explained that animals instinctively don’t show they are in pain, they don’t show weakness, so it is up to us to keep an eye on them.

Tom needed several teeth removed but before giving him a general anaesthetic the vet took a blood sample and tested it. Unfortunately, the results showed that Tom also had kidney problems. Kidney problems are common in cats, apparently. Cats started out as desert dwellers, where water is in short supply and they produce very concentrated urine, as a result of this, which puts a huge strain on the kidneys.

Tom came through his operation just fine but he will need to be on a special prescription only diet for the rest of his life. He will, at some point in the future, need daily medication too. All of these things would have been covered if we had taken out pet insurance. I know that it’s easy to be wise in retrospect and obviously we now have pet insurance for our other cat Chopsy.


Cat fountains for sale at Amazon.

WORTH EVERY PENNY.

So far, Tom’s treatment has cost us over six hundred pounds, and his special food is more than twice the price of ordinary cat food. Of course, he’s worth every penny but it’s lucky that we were in the position to be able to afford it. Pet insurance would have saved us a fortune and given us peace of mind, which we now have for our other cat.

Prevention is better and cheaper than cure and there are a few simple things that you can do to help avoid the problem of kidney disease in cats. Make sure that your pet always has access to fresh water, some cats love to drink from moving, flowing water and you can buy special cat fountains for this purpose. We are lucky that Tom is quite happy to drink from a water bowl.

Check the label very carefully on the food that you serve to your cat. It can be more cost effective in the long run to spend a little more on good quality cat food. Buy pet food that is lower in protein, salt and sodium wherever possible.

Avoid giving your cat too much dried food as this can lead to dehydration and put even more strain on over worked kidneys. Take care of your cats to make sure you have as long as possible together. We hope to have Tom around for many, many more years.



Tom's last photo.

Tom in his favourite place, two days before he died. We will always miss him.
Tom in his favourite place, two days before he died. We will always miss him.

Another happy year.


The right food and treatment gave us another happy year with Tom.

When he passed it was swift and hopefully painless.

We all miss him. He was, without a doubt, one of the best cats in the world.




A new member of the family.

We have recently added a new member to our family, Nikolia is a rescue cat. When we took it in we were told that it was a two year old male who had been neutered. After a trip to the vets we now know that she is a four year old female! We took out pet insurance the day we got her. It won't cover the jabs she needs or the check up but we have the peace of mind that comes with knowing we will be able to afford her treatment should she become sick in the future.


The newest member of the family.

A short poll about pet insurance.

Do you have pet insurance?

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Comments 5 comments

Christina_Moore 5 years ago

Purchasing pet insurance has saved my family a lot of money. We love our dog so much, but her medical bills would have been a fortune with out it!


GALAXY 59 profile image

GALAXY 59 5 years ago from United Kingdom Author

I know how you feel Christina_Moore, we love our cat Tom and as we were silly enough not to have pet insurance he is going to be costing us a fortune, hopefully for years to come.


Paulart profile image

Paulart 4 years ago from 2510 Warren Avenue Cheyenne,Wyoming 82001

Useful hub.I am really glad to this information.


GALAXY 59 profile image

GALAXY 59 4 years ago from United Kingdom Author

Thanks for commenting, Paulart.


thedigger profile image

thedigger 4 years ago from New Delhi

Pet insurance is very helpful for the pet lovers. I love dog and cat and they are the members in my family. So its my duty to insured them

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