Recently a friend of mine had quite a few major issues with her old cat. Her cat got really sick, not fatality sick, all curable issues, but the flow on affects of one sickness to the next her poor old cat cost her well over $3000 in a very short period of time.
Unfortunately, the ongoing sickness was starting to get to the point for her financially that she was going to have to make the choice whether her cat would live or die based on finances.
Her recommendation for me to get pet insurance hit a nerve for me, as I know if my beloved Boston got seriously ill I would spare no expense to make him well again, even if it meant I was up to my eyeballs in debt. Fortunately I can make sure I can avoid that problem with pet insurance.
We all have so many choices these days but when it comes to insurance for your pets what do you do? Well there are heaps of options, you can add pet insurance on to your home and contents insurance or you can go for a specifically tailored pet insurance. This has been an issue I have personally been debating since before I got Boston Beagle. Well after working in the industry, talking to my Vet and other industry experts not to mention friends who had recently been through some really emotional and expensive times with ill pets recently. So I knew for me Pet Insurance was the right decision.
So now that I have made the decision to get pet insurance how do I pick just one? Well there are a few things you should keep in mind.
1. For most pet owners the most expensive times in a pet’s life are in its first few years of life and it’s last few years – so make sure you pick a pet insurance that doesn’t have age restrictions as your pet gets older.
2. Make sure that the cover that you choose is affordable long term – you don’t want to pay for pet insurance only to find that you can’t afford it just before you need it the most.
3. Make sure that your insurance covers you for paralysis ticks, if your dog is struck down with paralysis ticks this can be very expensive not to mention emotionally challenging – a lot of pet insurances don’t cover you for paralysis ticks so make sure you’re covered for this.
4. Quite a few pet insurances won’t cover for breed specific illnesses. Be sure to check this as these tend to be the illnesses your pet will be more likely to be subject to and the last thing you want is to pay for pet insurance only to find that you’re not covered.
Once you have checked those main points to only other thing to check is that the cover you choose is sufficient in its cover for any accident, injury or routine care you might need it for.
I chose RSPCA Pet Insurance for various reasons but I recommend you check what will be the best for you.
Then just rest easy knowing if anything does happen, your pet will get the best care, not just the best care you can afford at the time. 
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