Is Pet Insurance worth it?

Is Pet Insurance worth it?

I want to share with you a very personal story which affected me greatly in 2020 – my 5 year old Border Collie Archie sadly passed away from lymphoma on September 26th, a day I will never forget. From the day he was diagnosed to the day he passed away I did absolutely everything I could, and it cost me dearly. I’ve recently taken out insurance (with Bow Wow Meow Pet Insurance) for my other Border Collie, for the simple reason I want to do everything I possibly can for her if any cruel twist of fate affects her too.

Pet insurance is expensive!

I think for many this is the main reason they don’t take out insurance. It’s the reason I didn’t. For many years I thought a better idea would be to put money away monthly, and if anything bad happened I could use that money. My own pet insurance as it were!

But of course that never happened. Most of us live pay cheque to pay cheque, and it’s very hard to save money these days. Besides, I already had too much to pay for – home insurance, health insurance, mortgage, bills, gym membership (for a gym I rarely use), not to mention decent dog food which doesn’t come cheap.

I took out a pet insurance policy mid-2020 and it comes out of my account the day after pay day, and too be honest it’s not that much considering the peace of mind I now have.

My disastrous 2020

2020 was supposed to be a great year. It started off with marrying my beautiful wife on a beautiful West Australian dog beach. The reason we choose the dog beach was for one simple reason – our two beautiful dogs could be there with us.

A few weeks later my wife made a really cool “Raw Meat” birthday cake to celebrate Archie’s 5th birthday. She insisted he wore a little doggy bow tie. The photo we took that day remains the background on my iPhone to this day. It feels like yesterday. That’s when everything went wrong.

Archie had developed two swollen patches under his neck. He was subsequently diagnosed with T-Cell lymphoma, a blood cancer linked to glyphosate, and given 3 to 6 months to live. I really can’t put in words how devastated we were. Archie was otherwise in amazing health and since puppyhood had been fed all manner of healthy foods. His diet had been better than mine. We could never have expected this awful twist of fate, and what made it worse was we didn’t have pet insurance, and we didn’t have any savings. Our wedding had ensured that.

Often when a pet gets sick we can only guess what caused it. I suppose it’s one of those things you constantly question – how did my pet get sick? In this instance Archie wasn’t the only dog to get sick. I can’t disclose details, but another dog who Archie stayed with for a month in 2019 had also developed T-Cell lymphoma. The owner of the other dog, thankfully, had pet insurance. That dog received the best treatment and IV chemo available, and he is still alive, in remission.

We tried everything we could. Archie’s diet became even healthier, with no end of anti-cancer food stuffs such as turmeric, wheatgrass, CBD oil (the real stuff), anti-cancer mushrooms, and so forth. We couldn’t afford IV chemo but we did try chemotherapy tablets of various kinds. Most weeks we visited the oncologist for blood tests, chemo, and for any sign of change or concern with Archie’s health. He got hit hard by a virus which affected our local dog park, but before we knew it was a virus we spent a great deal on tests and medication at the oncologist to no avail. On more than one occasion we were at the vets in the early hours. The bills we had to pay were huge, but Archie was so important to us and we needed to give him every possible chance.

We didn’t keep tabs on what it cost, but it was definitely over $10k, and very likely closer to $20k.

Despite everything we did, Archie sadly passed away, thankfully peacefully, in my arms. Four months on I’m still heartbroken and miss him daily.

In hindsight I wish I had pet insurance. He may still be with us today (we’ll never know). We don’t want to be in the same position again, and from now on will always ensure my pets are covered with pet insurance.

Why did I choose Bow Wow Meow Pet Insurance?

Bow Wow Meow Pet Insurance

I’d like to make a recommendation, and that’s Bow Wow Pet Insurance.

We didn’t know where to start so got a few quotes from major players, the likes of RSPCA and Woolworths. I wasn’t keen on the latter having found out my home insurance policy had risen over $100 year on year for five years despite zero claims (so much for customer loyalty!), and I’d managed to find a better policy for half the price. Bow Wow Meow pet insurance kept cropping up with excellent reviews, and the quote we had was affordable. They’ve also been very easy to deal with, and it’s clear others have had a similar positive experience.

I spoke to someone recently who’s dog had also been diagnosed with lymphoma. It’s strange how when your pets get sick you realise how common such a sickness is amongst the community, and it breaks my heart how many have to go through these illnesses.

The lady had Ultimate Care cover with Bow Wow Meow, and her feedback was glowing. Her dog is now in remission and has been for almost 12 months having undertaken a course of IV chemotherapy. Bow Wow Meow had covered 80% of the cost, with no qualms about pay out. For her, the excess had been affordable, and for her, thankfully, her dog is still with us.

So that’s my story. I’m going to vouch for Bow Wow Meow Pet Insurance, but I hope it’s a long time before I need their services. Until then I’ll have peace of mind, and when it comes to my dog, that’s very important to me.

Whatever pet insurance you have, no matter who the policy is with, we would be grateful to hear what you think and what experience you’ve had. Have you had a similar experience with Bow Wow Meow?

Is pet insurance worth it? Comment below!