The following is a guest post from Ashley Spade. Ashley, in addition to being Sir Winston Pugsalot the First’s favorite human, is a blogger and law student. She volunteers at her local pug rescue in between studying and training for triathlons (sometimes at the same time).
Everyone is aware of the importance of having life insurance, liability insurance, health insurance, auto insurance, and income insurance. Those types of insurance are well known and the majority of people have most if not all of those. The one insurance I wasn’t aware of is pet insurance.
My boyfriend had given me a pug as a birthday present. When I took Sir Winston Pugsalot the First into the vet, my vet alerted me to the concept of pet insurance and strongly suggested that I look into it. She told me that pugs are a fairly fragile breed and, due to their size, are more likely to sustain injury than a larger dog would be. I was quite taken aback at first to hear that pet insurance even existed. It had never occurred to me that pets could be insurable, unless perhaps their owners were rich.
As a 20 something law student, working part-time, I’m not exactly wealthy, but I opted for prudence. Living in the city presents more than enough opportunities for small pet injuries. Besides, there was no way I would be able to afford any large or even small hospital bills at this stage of my career.
The agent I spoke with was friendly and extremely helpful and the premiums turned out to be very reasonable. That particular company even allowed me to make convenient monthly premium payments. That was a big help to my budgetary requirements.
A few months later, during the winter, Sir Winston P. slipped on an icy step outside and slipped to the bottom of a 6 step staircase. His leg was broken and the vet said my young pug also suffered from a mild concussion. It was advised that he stay in the kennel, at least over night, for monitoring. On the way out of the office, my vet commented that It was fortunate that I had purchased the pet insurance and that I should call. I had completely forgotten about it.
The next day, I contacted my agent and explained the situation. I was grateful to be reassured that my pet’s policy covered all medical expenses related to his injuries including medications. Sir Wintston P. fully recovered after several months of visits to the vet that included apparatus to help my pug get around, and medications for his pain. After that experience and lesson learned, I vowed that I would certainly never have a pet without pet insurance.