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Insurance for Guinea Pigs

A Tricky Call - To Insure or Not?

Facing the Realities of Caring for Small Furries

Making the Right Choice

As an example of one case from our personal experience, a ‘difficult to treat’ bone infection in one of our guinea pigs had a total cost for treatment of just under £2,000. Aside from the relevant excess payment, the majority of this treatment was covered and paid for by our insurance company.In this instance, even if we had just ‘saved’ the money we would have spent on insurance, we would not have had enough to cover this course of treatment. (Believe me, I did the maths!!)

It is also worth mentioning that you could still end up spending a lot of money even with insurance in place for your piggies. As well as your monthly insurance payments, you may encounter smaller issues that may not warrant a claim being processed but still need attention. This could be £50 here or £100 there…it all adds to the overall cost of keeping small animals! So,for many people, the idea of purely setting money aside each month into a savings account for pet care is a more appealing option.

Having said that, in our personal experience, when it comes to unforeseen serious health problems like our example above, an insurance policy can mean the difference between being able to treat your guinea pig or not.

 Ultimately, insurance, like life itself, is a bit of a gamble. You could pay into a policy for years and never need to make a claim. Or, you could save a load of money in a special ‘pet savings’ account and still not have enough for the unexpected treatment necessary to help your sick or injured guinea pig. The important thing is that you are happy and contented with the decision you make and take the steps necessary to simply do the best that you can with the care you provide to your guinea pigs.

Guinea pigs really are fabulous additions to a caring family. They are gorgeous little critters that can bring so much joy. But the reality is, the cost implications of these fluffy potatoes can be HUGE! Before these animals steal a piece of your heart, do spare a thought for how you would fund the vet bills, should they arise.

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