Is insurance worthwhile?
I have owned dogs for many years (40+) so have great experience of caring for them prior to insurance being available, and not. In general I have mostly had hardy, small breeds, and having chosen breeders carefully, or bred them myself, coupled with good nutrition, hygiene, exercise and general care, have had little need for vetinary support beyond routine events such as vaccination. In the last 15/20 years I have seen vet fees escalate astronomically, and whilst I accept that research, improved drugs, surgery have all developed, I still suspect that this increase is linked to insurance companies getting in on the act. Since retirement my husband and I have bought 3 larger breed dogs, and due to the increase in fees, purchase price,etc. We decided to insure our brood. 1st, our old dog, who has never suffered a day's illness, was quoted at a ridiculous price. Our deerhound was uninsurable with many companies. Our 2 standard poodles we did insure, and made claims on both of them which were turned down (1st was an accident, apparently we didn't have the right level of cover, the 2nd was an ear infection, she had had it once before, so they were querying the cover.) An appeal was unsuccessful in one case, and only addressed in the 2nd case after we cancelled the policy. Our vet is trusted and competent, We no longer insure the dogs, and yes the dog with ear problems has gone on to have £2000 of surgery, we managed to find the money, which the insurance company would have refused anyway. In my opinion insurance companies are rapacious, greedy indidviduals, and it is better to save money each month for emergencies, or insure only if that is difficult. If you really cannot afford vet fees, should you have a pet in the 1st place?
Keighley, West Yorkshire, England
I have owned dogs for nearly 50 years, and in the past bred and showed. In those days their feed was biscuit and unwashed tripe, with added vitamins and cod liver oil. Now we are swamped with choices, people are obsessed with food allergies and there is so much choice it's a minefield choosing the right product. I do like kibble, I like the fact that I can buy a complete food which is easy to feed. I have a 14 year cairn, two middle aged standard poodles, one with major health issues, a 18 month chihuahua and a 5 year old deerhound, who is prone to colic. They are all fed on Millie's Wolfheart, and all thrive on it. I like the fact that this company produces a variety of foods, both for ingredients and price. They provide a comprehensive breakdown of content, enabling me to make a more informed choice as to what I give my dogs. Over the 3 years since I started using their products (I previously used Orijen) I have tried different varieties, and my dogs are now all settled on their 70/30 range, and doing well, differing ages and breeds making no difference. I don't pretend to know every dog food out there, but as a person whose occupation involved giving dietary advice, I am very happy with my choice, both from health standard of my dogs and my bank account! I do not hesitate to recommend the produce from this company.