Animal Lovers Advised To Be Top Dog When Getting Insurance
Dog-owners should make sure that the financial implications of owning such a pet do not leave them barking at the moon.
Such is the assertion of Sainsbury’s Pet Insurance, after it was revealed that small pedigree dogs – such as Yorkshire Terriers and miniature Schnauzers – are becoming increasingly popular. The news comes after it was revealed that the number of such canines which the firm insures between 2006 and 2008 has risen by some 41.3 per cent. In particular, it appears that Chihuahuas have become more sought-after by Britons in recent years, as the number of this breed of dog which have been covered has gone up by 417 per cent during the last two years. The West Highland White Terrier, meanwhile, has seen growth of 248 per cent in the number of people registering with Sainsbury’s for cover.
For those looking for an effective way in which to purchase a dog – particularly a pedigree breed – taking out a cheap loan might be recommended.
Overall, the Cavalier King Charles Spaniel was indicated to be the breed of small dog that has been insured with the firm the most, accounting for just under a quarter (23.7 per cent) of those canines registered with Sainsbury’s. The Yorkshire Terrier, Shih Tzu, Border Terrier and Bichon Frise were also shown to be popular.
The financial services firm went on to point out, however, that those who own a pedigree dog may find that the cost of owning such an animal is “more expensive than for a cross breed”. As such, the need to obtain a comprehensive pet insurance policy was put forward as skin tumours, cardiac arrests, dermatitis and diabetes mellitus were shown to be common claims for small dogs.
But in not having a sufficient level of insurance, those consumers who find that they have to dip into their own pockets to pay for medical treatment to their pets could find their ability to manage other financial commitments comes under strain. Such areas could include personal loans, credit and store cards, mortgage repayments and utility bills.
In addition, owners were urged to avoid the celebrity trend of carrying a small dog in a handbag.
Neal Devine, pet insurance manager for Sainsbury’s, said: “A pet should never be seen as an accessory and people should not be guided by fashion trends when purchasing a pet. It’s important that you understand the physical and mental needs of a particular breed, such as how much exercise it needs – when you purchase it – and that your lifestyle enables you to accommodate this.”
The financial services firm also revealed that taking out insurance can help provide cover for incidents such as damage to a kennel or basket, the dog going stray, accidental death and treatment for worms and ticks.
Whether it is a prize-winning Yorkshire Terrier or a Labrador, those wanting an effective way to purchase a dog might want to consider getting a cheap loan. By applying for this kind of loan, borrowers may not only be able to buy the pet of their dreams but could also be able to take out extras such as a comprehensive pet insurance policy, a kennel and dog food. Earlier this summer, the financial services firm advised cyclists to ensure they have a comprehensive level of insurance for such a form of transport after it was revealed Conservative party leader David Cameron had his bicycle stolen while shopping in a supermarket.
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