Paying for Pet Emergencies: The Importance of Financial Planning

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Let’s admit it, getting a new dog is one of the most exciting and scariest things you’ll ever likely do (aside from having a child or buying a house). That exhilarating feeling is that this bundle of joy depends on you. All you want is your pet to be happy, run around, play games, and have fun with its new dog accessories. And as a pet owner, you must deal with the reality of your canine getting hurt or sick.

Ask yourself, “Would you be financially able to cover the cost of vet care?” “Are you going to settle for less than the ideal treatment, i.e., euthanasia or rehoming, if it’s beyond your means?—These are horrid thoughts, but you must plan for the “what if” moments. As the expression goes, better be safe than sorry.

In case of any pet emergencies, here are some helpful suggestions for you:


If buying a pet insurance policy isn’t something you consider, one option for you is to save money regularly. It’s the money you put into a savings account or use to purchase Premium Bonds.

It would be best to have an emergency fund to cover vet bills and a new dog travel crate, bearing in mind that an account for a broken leg could be costly. 

Credit Cards 

Another option is to take out a credit card only for your pet. You can set up a pre-paid credit card or make regular payments to the credit card to access a bigger fund if needed.

Pet Plans

Alongside your savings or credit card option, you might want to set up a pet plan with your veterinary practice. It’s not an insurance policy, but it can reduce your vet expenses.

The pet plan includes an annual check-up, monthly worming, flea medications, and discounts when using general veterinary services. It can be as low as £5 a month, but the discount can add up if you have an emergency or have more than one pet.

Pet Insurance

The most common option is pet insurance, which reduces stress levels in an emergency. It is readily available in the UK from your local supermarket, post office, bank, or internet.

You can avail discounts if you already insure your car, house, or contents. These plans can be as little as £5 per month and include a waiver fee so that you only pay a set amount before the insurance kicks in. Be sure to read the small print on any policy. Also, look for discounts if you have more than one pet.

Self-Insurance Alternatives 

Lastly, if you find yourself taking lots of photos and videos of your pets, you could upload these to sites like Shutterstock and YouTube. You can receive royalties when people watch your videos or download your images. You can also register your furry pal as a model or actor. Your pet will be paid for any ‘work’ it does.

However, it won’t help you earn much money. Still, it can be a passive income. Add these royalties to your savings account or pre-paid. Credit card funds can cover the cost of hereditary or age-related conditions that your insurance policy might not cover.

The choice is yours!

Whatever you decide to do when planning for pet emergencies, have a plan or a combination of pet plans. Don’t be kicking yourself in that emergency and wishing that you could have done more.

Written by Guest Post

Edited by Gretzel Lantican

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