As festive gatherings and piled-high plates become the norm this holiday season, many British pet owners may be tempted to slip their furry friends a few festive scraps. However, this seemingly innocent act could lead to a veterinary emergency, with data showing a clear spike in pet insurance claims during this period.
Festive Feasts and Hidden Dangers
According to Insurify data journalist Julia Taliesin, the holidays present unique threats to pets that aren't as common at other times of the year. Pet insurance claims tend to spike during the holidays, she confirmed to The Independent. The culprits are often found right on our dinner tables and in our decorations.
Taliesin highlighted that pets may accidentally ingest small bones, toxic foods, or decorations, which can cause severe illness or dangerous intestinal blockages. Specific hazards common at Christmas and Thanksgiving include turkey bones, fatty foods, rich sauces, and chocolate, all of which can trigger serious health issues for cats and dogs.
Choosing the Right Pet Insurance Policy
With these risks in mind, securing a pet insurance policy could be a wise decision for owners concerned about unexpected veterinary bills. Taliesin advises, "Pet parents should consider purchasing insurance coverage if they believe they may struggle to afford a large, unexpected medical bill out of pocket."
When comparing policies, it's crucial to look beyond just the premium cost. Understanding the coverage is key. Generally, accident-only and accident-and-illness policies will cover mishaps like eating toxic food or swallowing a Christmas ornament. The latter adds coverage for new illnesses but typically comes with a higher premium.
A critical factor often overlooked is the waiting period. Most insurers enforce a delay before coverage begins. If a pet gets ill during this time, related care likely won't be covered. Some providers, like MetLife and Embrace Pet Insurance, offer policies with no waiting period for accidents, providing immediate protection.
Managing Costs and Holiday Risks
Pet insurance remains more affordable than human health insurance. The national average monthly premium is $42 for dogs and $23 for cats, though this varies based on pet age, breed, location, and coverage level. For instance, premiums in Alaska average $44, while in Arkansas they are around $22.
To manage risks with or without insurance, the American Veterinary Medical Association recommends being vigilant about foods like sauces, dressing, meat fat, poultry bones, and chocolate. Fatty foods can cause pancreatitis in pets, and decorations like ribbon and tinsel can cause digestive blockages if swallowed.
To keep your pet safe, make your food rules clear to holiday guests, dispose of carcasses promptly, and consider crating or securing pets in a safe space during parties if they are prone to counter-surfing. Comparing quotes from multiple providers can also help find a policy that offers both value and vital protection during this risky season.
