Essential Expenditure and Pet Insurance

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love her floppy ear - it only perks up when treats or walks are mentioned

Andrew, as the Financial Controller of our household, has been reviewing our outgoings and interrogating me asking about the importance of some of our regular expenses. If I don’t start using the gym, for example, that particular membership is history. (Apparently, popping there to have my eyebrows done and buy Costa coffee doesn’t count.) We have had these conversations before when Andrew has conducted one of his little household expense reviews and our pet insurance has previously come under the spotlight. I heard him joking on the phone the other day that when he first met me the dog was insured for more than him! (No comment. Ha!) 

snuggling on the sofa with us (needing a haircut)

I bought Lizzie as a puppy, a while before I met Andrew.  She is my first dog and although I was excited to bring her home I was also very aware of the commitment and responsibility of having a pet.  I desperately wanted to do my best to look after her.  Our family has kept dogs for as long as I can remember and it was my Mum who advised that I set up an insurance policy.  I arranged for it immediately - the monthly premium was a relatively small amount of money and I figured it was the grown-up and responsible thing to do.  

After her first season (yuck) Lizzie became very ill. She was only about six months old and had been completely healthy up until then.  I was scared.  I whisked her to the vet where she had an emergency operation to remove her reproductive organs - she had developed a serious infection and, I am told, could have died.  It was a horrible time for me and would have been made even worse if I had been forced to find the £800 for the vet bill.  I told Andrew this story the first time he queried whether we really needed pet insurance - Lizzie seems quite healthy after all, he said.  I haven't needed to explain it again - he gets it and the insurance remains firmly on our essentials list.  I cannot recommend it enough.

keeping me company in our home office

I am not sure I can come up with quite such a compelling reason as to why I need to keep my £45 gym membership, however. I’m going to have to dust off my trainers. My thighs will thank me, I’m sure! 

Nicki

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