#this goes for all small animals also. hamsters fish guinea pigs what have you. if you have such a low capacity for love that you are not | Explore Tumblr Posts and Blogs

scribble-fics · 5 years

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Pets

Just wanted to do something to clear my mind and take a break from stress lol. So what better way than to headcanon some pet ideas?? For the WHOLE a1 class!!!

Deku squad

Izuku-

I could see him having a cat. Well really it was his moms, but the cat is basically attached to izuku and always sleeps and hangs around his room.

Uraraka-

If her parents let her get a pet im sure it's going to be a little breed of dog. Like a Maltese or Yorkshire Terrier. Small and easy to take care of.

Iida-

Iida's family would have like 2 german shepherds. Very loyal and sturdy dogs that are easy to train. The family however has a poodle for a service dog with tensei.

Tsu-

If it wasn't obvious?? She would have a pretty cool pacman frog as a pet and would make sure it was super happy.

Todoroki-

Ooooooo i could see shoto having koi fish as pets. Like a big pond in his backyard. It goes with his homes traditional Japanese aesthetic. Plus they're red and white mixed just like him and he admires their grace.

Momo-

I get sugar glider vibes with momo. Something cute and expensive. Also they really are just absolute cuties that can be trained with patience.

Baku squad

Katsuki-

It's hard to really see him with any other pet besides a pomeranian because,, he a fluffy boy and so are they. It could be his mom's and it just prefers him more. Probably because he smells like sugar lol.

Kirishima-

Big dog. Im talking, giant dog. Saint bernard fluffy dog. Something he can cuddle and also bench press. Big dogs are manly af.

Kaminari-

Aww i think kaminari would have a hamster. Just feeling a bit in the dumps until he hears it running around in its wheel and he starts smiling and goes over to watch it.

Mina-

Guinea pig!!! Squeaky loaf of adorableness!! Mina would buy cute outfits for it and do a cute Guinea pig dress up show.

Sero-

Tarantula!!! A rosehair most likely. He's not scared of bugs and he thinks they're pretty cool. He also enjoys what little work he has to do to make sure his tarantula is happy and content. Also uses the molted skin for pranks

Jirou-

Cat most definitely. Sleek slim breed. She enjoys her cats attitude with the whole, touch me i love you- wait no dont touch me i hate you.

Mutant gang

Tokoyami-

Probably would have a scorpion to fit with his edgy aesthetic. He admires the way it looks and really does think of it as a darkly beautiful creature.

Shoji-

Can't really see shoji actually with a pet at all. Maybe growing up he had a goldfish but really pets aren't his thing.

Koda-

We already know he has a rabbit lol.

Ojiro-

I love to think of ojiro as a out of town sort of kid, living on a slightly big piece of property and running a small farm. Nothing too big just a few chickens, a milk cow, maybe a goat. Plus a collie to keep the animals in check!

Hagakure-

How cute would it be for her to have a snake?! Look she's really girly but snakes detect thermal motion so it could know she's there and be really happy!! Maybe a ball python because they're really easy to take care of.

Others

Sato-

As big as sato is i think he would just enjoy a cat lol. It would just hop onto the counter while he's baking and could nuzzle into him purring. Omg that would be adorable!

Mineta-

Honestly mineta could have a gerbil. All he has to do is feed it, water it, make sure its bedding is clean. Then bam he's done and he gets to enjoy watching the little fuzzball hop around.

Aoyama-

Fish!!! Beta fish!! An absolutely beautiful beya fish with beautiful colors and a flowing tail. The most amazing tank you've ever seen!! He takes so much care of his fish because its what it deserves!!

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cxnthie · 5 years

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From 10 to 15 :)

10. What’s your favourite type of weather?

I really like sunny, warm weather. Hot enough to wear short sleeves and short trousers, but not hot in a way of “i’m sweating all over just by existing”. I’m not a big fan of the cold.

11. What do you like talking about?

I’m a huge talker, I talk about anything and everything, I rarely keep things to myself. But I guess I like expressing my opinions regarding things the most. Whenever I watch a movie that I like, I can’t help but to ramble about it for an unholy amount of time to explain to people what it was about and express everything that I liked about it. Same goes for songs, bands, books and other things.

12. What are your turn ons?

We’re not going to percieve the next two questions in a sexual way, thank you very much. :) But I guess I would say when a person really seems to enjoy my company and likes spending time with me. Also, people who have a positive outlook on things. Out of the physical things, I enjoy a good hug.

13. Turn offs?

People who seem to always be talking shit about others. And also people who just decide that they don’t like me while I haven’t done anything to offend them.

14. if you got a tattoo, what would it be and where would you get it?

I actually thought about this quite a lot, and I decided that getting lyrics tattoed on your body is a generally bad idea, but I was still interested in a musical tattoo. So I came to a conclusion, that if I were to ever get a tattoo, it would be the sheet music to the opening riff of George Harrison’s Something, either at the back of my neck or on the inside of my wrist.

15. Do you want any pets?

I’m really scared of holding animals, so things like small dogs, cats, hamsters, guinea pigs, rabbits and things of the like are absolutely out of the question. I’m intrigued by owning a parrot, because I really wanted one when I was younger (I got one for my 5th birthday, but it died after like a month), but these things can get pretty noisy, so I guess I’d settle for some fish

Thank you so much for asking! :D

#asks

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sweater-weath3r · 6 years

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With the holidays coming up, this is just a friendly reminder that, while pets can be a wonderful present for someone who knows what they are getting themselves into and can actively take care of the,, they are not the same as an inanimate object. As someone who works at Petsmart in the Pet Care Department, I see people who are unable to care for an animal, try to convince themselves that they can each and every day. You are not entitled to be a pet owner. If you cannot commit to the demands of the animals, do not get them. These animals deserve to live a quality life, regardless of how cheap they are being sold. So here are some friendly reminders about the animals that are typically sold at pet stores. Fish: All of the fish at Petsmart NEED a filter. The betta fish do not absolutely need a filter, but they will thrive with a tiny one. If you don’t plan to get a tank, and only have a bowl, do not get a fish, even a comet goldfish. These fish will die a slow death. They won’t have enough oxygen. Further, all the fish at these stores require a minimum of 5 gallons, again with the exception of a betta fish. If you have a 1-gallon bowl, please do not get a cute, little goldfish. They’re cute, but they’re living creatures, and deserve to have the right space. Comet goldfish require a minimum of 10 gallons, and should eventually be upgraded to a 29-gallon tank. These fish can live for years. They are a long term pet, regardless of them being 14 cents.

Small animals: Hamsters are not to be sold in pairs and should not be housed together. They’re extremely aggressive animals, and should only be housed alone. These animals live approximately 2 years. They’re not an animal you buy for just a short term period, they will live for 1-2 years. Further, those cute tunnel cages, for the love of god, do not get your hamster them unless you get a small Robo Dwarf. If you get any other kind (Russian, Syrian, Fancy Bear, etc.) these tunnels are too tiny and your hamster will eventually get too large and get stuck and potentially die in these tunnels. Hamsters will bite shock. If you’re not prepared for this, do not get one. Please don’t buy an animal and return it once it bites you. This is irresponsible. Guinea pigs are friendly creatures. They can be housed in pairs and will do better in pairs actually. They need lots of attention and lots of space. They’ll also need hay, alongside their normal food diet. The chinchillas are one of the more complex small animals. They are easily overheated and need to be kept in a cool climate. Their fur, which is super warm and fuzzy, is dense and will lead to them overheating and dying if not kept in a cool climate. They will also need to have frozen slabs in their cage (changed out 2X a day). They’re also about to get super attached to people and other animals. We had one returned to us because she had severe depression after her chinchilla sister passed away and the owners did not know what to do with her.

Reptiles: All the reptiles that are typically sold at pet stores are long–term pets. These are animals that will live for a long time. The tortoises will last for ~50 years. The snakes ~12-25, the lizards ~10-20, etc. These animals sold at the stores are babies. The bearded dragons in our store are often one to two months old, they will not stay this small! They will grow up to 2 feet long. The snakes are the same way, they will grow up to 5 feet long. A few of our animals we sell are not meant to be handled. They are animals that are strictly for looking at. This goes for the scorpion and some of our frogs, especially. The snakes that are sold in our store are all fed frozen mice/rats, and will need to fed this once they leave our store as well. Please don’t buy a snake and then be shocked they won’t eat crickets or mealworms (yes, this occurs). All of the animals that we sell have specific UVB/UVA requirements, heat lamp requirements, dietary needs, special needs, humidity requirements, etc. Please, please, please be aware of this when you are going to get these animals. Yes, they’re kept in small tanks in our store, but it’s for a short term period and we often let them out. Further, they’re at the smallest they’ve ever been, as they get larger, they’ll need a larger tank. Tanks are expensive. Please be aware of this.

#pets #aniamls #animals #petsmart #holiday

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uwugenides · 7 years

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FACT FOR EACH STAR GO GO GO !!!!!!!!!! :D

⭐️I love my boyfriend⭐️When I was little I dropped a can in the garbage on accident and my brother made me crawl in the trash can to get it back out and put it in the right thing.⭐️I have right duane's syndrome. It's a birth defect that makes it so I can't turn my right eye outwards, it stops in the middle and I see double when I try to do it.⭐️I once fell through bleachers from the very top, falling straight down, twenty(20) ft, and I hit five cross bars on my way to the ground. My life did flash before my eyes.⭐️Growing up I wanted to be the first female president. Now I'm a trans man and I hate the government.⭐️I always wanted a husky (I was a wolf and tiger kid) and I got one two years ago and I love her. Her name is Ember.⭐️uhhhhh,,,,,,,, I'm autistic, well specifically I have aspergers⭐️I think you gave me too many stars ⭐️I love space but if I think about the laws of time and space I get too existential and dissociate for hours⭐️I'm having trouble thinking up new facts. F u my friend⭐️I've never been in a play or musical where I didn't have a speaking part⭐️In theatre I played this kid who is two feet taller than me and has non-stop freckled' older brother, so that was fun⭐️How am I supposed to do this without feeling self-centered??? Is that a fact?⭐️I always start writing stories and never finish them.⭐️I have some fucked yo dreams that I will never tell to a single person⭐️Moana is my favorite animated movie, only second to Road to El Dorado⭐️I type like this n lke this n vvvv much like this,,,⭐️I'm watching America's Got Talent right now and it always manages to restore my faith in humanity⭐️also the dancing pumpkin man from that old meme is on America's Got Talent and I love him⭐️I feel so small and then I feel so big and it is weird⭐️I love anyone who messages me, any message or ask. Even hate stuff, like thamknyoi, you took the time to think about me, even if its death wishes, you thought about me⭐️I love doing scary makeup⭐️fucked up shit and horror is my thing, but I can't watch horror movies alone⭐️I used to be really into werewolves and stuff when I first got on the internet and I guess you couldve considered me a furry⭐️I'm in love with my boyfriend⭐️did I mention I love my boyfriend⭐️that doctor who band that was called like Chameleon something??? Idk but they made really good songs. Check them out you guys⭐️COMEDY IS GREAT, FUNNY PEOPLE CAN FUCK ME UP⭐️I'm into dark comedy, but not insensitive comedy. Your racist jokes aren't funny, Barbara.⭐️I love tamale pie. If you haven't had tamale pie you need to have it.⭐️tamale pie and cornbread are the best⭐️sushi is really good⭐️my old choir teacher sang opera and was professionally trained in it.⭐️we had a karaoke day once and he sang karaoke opera for everyone. I'm p sure it was Italian too⭐️we had three foreign exchange students last year at my old school, one from South Korea, one from Finland, and one from Switzerland.⭐️a kid from my school spent part of her year as a foreign exchange student in Spain and when she came back she brought three girls from Spain with her and they cursed a lot⭐️I feel guilty about practically everything I've ever done in my life⭐️SO MANY STARS⭐️I love my boyfriend⭐️the Ghostbusters reboot is a very good movie⭐️I want to go to COS (college of the siskiyous) and then transfer to SOU (Southern Oregon University) so hey, hit me up⭐️one is the loneliest number that you ever did see⭐️I'm sad 24/7 but sometimes that sadness comes across as comedy and that the only reason people like me⭐️I'm a minor⭐️I'm hot as fuck, get on my level twunk⭐️I hate terfs⭐️I want to be so rich that if I wanted to I could pay for everyone in the entire North America and South America to have enough food for three square meals a day⭐️i own a hat that says "black lives matter" and I've gotten ripped off my head more than once while riding my bus home⭐️I have a slight hitchhikers thumb⭐️I was born with brown hair but by the time I was two months old my hair was white⭐️I have owned four(4) rats, two(2) rabbits, seven(7) cats, two(2) guinea pigs, five(5) dogs, and one(1) hamster named Eddie.⭐️I am a self-taught horse-rider⭐️I have been to two(2) rodeos.⭐️I have asthma⭐️I love my boyfriend⭐️so I love my boyfriend⭐️I chew on ice⭐️I order snow cones without any flavoring⭐️snow cones without any flavoring are cheaper⭐️SO MANY STARS⭐️I could've gotten more asks by now and I wouldn't know because I'm answering your stars⭐️I cry too easily⭐️I pass surprisingly well for being a trans guy who has not started T⭐️my family once sat at the dinner table on thanksgiving talking about how my mom had the right to hit me and I would not be allowed to defend myself⭐️I love my boyfriend⭐️I didn't know my dad was alive for the first twelve years of my life aside from the fact that we got the occasional eleven(11) dollar child support⭐️I love dogs⭐️I love cats ⭐️I love birds⭐️I love lizards⭐️I love snakes⭐️I love rats⭐️I love mice⭐️I love fish⭐️that guy on YouTube, Coyote Peterson is my goals as a person. If I could just live as a guy who goes around and finds wildlife I would never ask for another thing in my life⭐️I've recently started playing Pokémon Go again. It's fun⭐️my first Pokémon was a pikachu⭐️I've already traded my first Pokémon for more candies because I'm vain and want to be the very best⭐️I used to be a compulsive liars and would spend hours at night crying because I thought I was a horrible person for it. I was seven(7) at the time.⭐️I'm a trans⭐️koala bears are actively not helping themselves stay alive, not a fact about me, just a fact I like.⭐️I love my boyfriend⭐️I just got a new kitten named Periwinkle Blue⭐️if I die before I travel to at least one(1) foreign country I will have died a sad man⭐️my great grandpa was Jewish and I carry a lot of that culture and its traditions down with me, despite not actually considering myself part of the religion.⭐️I'm a descendant of the Karuk tribe which is located in Northern California. I speak very little Karuk but it's a very pretty language!⭐️I'm also Irish, German, and as mentioned above (or alluded to at least) Hebrew.⭐️I'm white passing as far as my Native American roots go, and trust me, it is awkward being the whitest person at the tribal meetings.⭐️my birthname was the same name my great grandmother had, but is spelt in the newer form, not the Hebrew translated English form.⭐️I live in a very country oriented town. Everyone owns a cow. Or a pig. I almost owned a pig once.⭐️a lot of people say I'm not actually a trans guy because I was too much of an outstanding girl⭐️my insurance won't cover my top surgery⭐️I work as a dishwasher and it sucks ass⭐️I want to quit my job⭐️I love my boyfriend⭐️I went vegetarian for two weeks and then caved for a bag of salami someone left on the counter⭐️I drink at least one(1) Pepsi zero a day⭐️the first website I ever roleplayed on was QuoteV.com⭐️my mom just brought me a Fitbit that she got for me. What does this mean?⭐️I'm technically overweight yet look like the average "healthy" body.⭐️I have Mono⭐️I had lice in second(2) grade and lost many of my beloved stuffed animals because of that⭐️because of trauma I regress on occasion and my YouTube watch history is always interesting when that happens.⭐️I have extremely bad anxiety and don't even realize it half the time⭐️Jimmy Fallon is better than Jimmy Kimmel⭐️I once played a union soldier in a civil war reenactment held by a traveling group of reenactors and trust me, they do not mess around. If you've ever been in something like that you know that they are practically in character 24/7⭐️I love little kids but feel like I'm horrible with babies⭐️I fear I'll be a horrible parent and make my child feel the way my mom makes me feel⭐️I tried to get myself emancipated once and sadly failed as I'd gone through with a Or of the process before someone told me I wasn't old enough yet.⭐️stars are dying balls of gas⭐️I love my boyfriend ⭐️ SO MANY FUCKING STARS JESUS HAROLD CHRIST⭐️The H in Jesus H Christ stands for Harold, I looked it up once.⭐️I don't kinkshame but people should be a bit more conscious of what they do in general public access places.⭐️I've been in two(2) abusive relationships⭐️I take a lot of meds⭐️I might start T this year or next year⭐️I want top surgery before I graduate high school or the summer before I go to college⭐️I relate to Tony Stark as a person way to much⭐️I hate when the Hulk is only Hulk and never Bruce Banner⭐️I'm pretty self-confident most the time⭐️I've brought a blanket with me to school on more than one(1) occasion.⭐️I'm naturally a night owl and sleep better when sleeping during the day⭐️I take commissions for my art and you should commission me.⭐️currently I own three(3) dogs and two(2) cats. Mattie, the German shorthair mix, Ember the Alaskan/Siberian husky mix, and Memphis the purebred Doberman pinscher. One(1) adult cat named Freckles and one(1) kitten named Periwinkle Blue.⭐️I love video games.⭐️I love theories. Let's talk theories all day. Any theory, let's talk.⭐️I love talking about sociology and social expectations that aren't realized.⭐️I love collecting odd knick-knacks. I have many weird artifacts around my room, gathered by me or my yard-sale enthusiast grandpa.⭐️I hate Donald Drumpf.⭐️I love my boyfriend⭐️I love my boyfriend⭐️I love my boyfriend⭐️I hope my boyfriend loves me⭐️the best animated characters to ever exist are Jesse, James, and Meowth from Pokemon.⭐️I'm taking PE independently at my new school⭐️I love singing and acting but I worry that I'm the person that is really bad at it and no one will tell me⭐️I also love doing special effects makeup⭐️sculpting is great fun⭐️I'll be going to the San Francisco comic con this September so if you're there come see me⭐️I'm going to be Dipper for comic con and my boyfriend is going to be Bill Cipher⭐️Arya from Game of Thrones is the best young actress I've ever seen⭐️then again she's not actually that young⭐️I once got stung by a scorpion while being inside my own home on my own bed⭐️till I was like seven(7) I had to share a room with my mom because we didn't have a house big enough for me to sleep anywhere else⭐️my dog Mattie's fullname is Calamity Anastasia Strelow⭐️at the school I used to attend a kid dressed up as a "tr*nny" for Halloween and wasn't told to take off his costume till someone who wasn't trans and out at the school complained and that took me begging my friend.⭐️I love my boyfriend⭐️I'm Bigfoot and my boyfriend is Mothman⭐️Atomic Blond looks like a really good movie⭐️my first(1) two(2) rats were named Loulou and Pepper⭐️my rabbits were Midnight and Petals.⭐️my hamster was a Russian dwarf hamster and he ended up being eaten by my cat Bobby Joe who was eaten by a mountain lion from the local area⭐️a bear has been seen on my old elementary school's campus five(5) times in my lifetime⭐️wolves were once seen by the only starbucks in my town which was only opened up last year⭐️I live in a major gold mining area and I5 runs right through the town next to mine which is practically where I live⭐️I love my boyfriend⭐️I've had a full body massage once(1) in my life and let me tell you, you haven't lived till you've had your butt massaged⭐️I've taken like three(3) different classes for martial arts and never really followed through with any of them⭐️I've only been bitten by one dog in my entire life and it was completely my fault⭐️this post is too long Jesus fuck⭐️why⭐️the emoji movie doesn't actually look that bad in my opinion⭐️Despicable Me3(three) was actually a really good movie.⭐️I hate bad acting but I respect the effort⭐️every sibling I have is a half-sibling⭐️I'm a horrible person⭐️but I'm also the only good person alive aside from my friends and boyfriend so I'm conflicted ⭐️The Gay and Wondrous Life of Caleb Gallo is a must see by anyone who considers them self part of the LGBTQ+ community⭐️I don't consider queer a slur personally but I understand the history of it and I never have and never will use it to describe someone or a group of people without their explicit permission⭐️before I came out as a trans guy I thought I was gebderfluid⭐️Chase Ross is an awesome guy⭐️I feel like I look like Ronan from The Raven Cycle with my new haircut, but I always pictured him with a darker complexion so idk⭐️I hate Caitlin Jenner as a person, but not for her gender identity in and of itself.⭐️my phone is getting very warm⭐️these stars are horribly shaded⭐️I love being trans and don't regret it at all⭐️my husky is probably my favorite dog so far⭐️TOO MANY STARS⭐️I don't know anythinh⭐️I'm actually a robot and this is all a lie⭐️I want to be a popular blogger or like a YouTube or something but hhhhnnnnnggg⭐️I'm really into literature and English and history and everything about all of that⭐️I made my signature while scribbling and realized a particular scribble looked like my initials⭐️I love my boyfriend⭐️I watch too many shows ⭐️I want to be a teacher kind of⭐️I want a better job⭐️I want to be who I see in the mirror when I've got all thecright clothes on and I'm feeling confident ⭐️I want to be a better person⭐️I want to be amazing⭐️I want to be a good human being⭐️I want to be special⭐️I want to be good enough⭐️I want to be happy⭐️I want to be healthy⭐️I want to be happy with who I am⭐️I want to be me⭐️I want to be cool⭐️I want to realize that I can be all this things if I just let myself⭐️I want to kiss John Boyega⭐️I want to hug Chris Pratt⭐️I want to smile the way I smile when I see my boyfriend⭐️I love my boyfriend⭐️I want more scars⭐️I want to be more adventurous⭐️I want to be a great person⭐️I want to live a good life⭐️I want Drumpf to resign⭐️I want to be famous⭐️I want to be immortal for all the good and bad it brings⭐️I want to be good⭐️I want to be happy⭐️I want this to end⭐️I love my boyfriend

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ensmagonline · 7 years

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Best pet insurance deals

Pet insurance is absolutely essential if you own a cat or dog. Vet bills can be seriously expensive and without pet insurance it’ll be up to you to foot the bill. At the moment a number of the big pet insurance companies are offering impressive online discounts. From less than £4 a month you can relax knowing that if your pet does get ill, your only concern will be getting them better. What is pet insurance? Do I need pet insurance? What do I need from my pet insurance? Getting the best deal Latest pet insurance offers What is pet insurance? You can get pet insurance to cover all different types of animals, from dog insurance and cat insurance to exotic animal insurance and more. Knowing which pet insurance to go for can be tricky, and before buying any you really need to consider the needs of your pet. Pet insurance is primarily to help you pay vet bills if your pet falls ill and needs medical treatment. Some policies will cover the costs of looking for your animal if it goes missing or is stolen, cancellation of a holiday if the pet is ill and emergency pet boarding. The big cost to pet owners, on the whole, is vet bills which are going up all the time. Even small operations can cost £100s and larger ones, particularly for bigger animals, can easily slip into £1,000s. Pet insurance really makes sense when you look at the monthly costs. It can set you back as little as £4 a month for a cat and £6 a month for a dog on a basic policy. No pet owner can get round vet bills any other way. You can make an application to the Blue Cross which might help if you can show that you are on social security benefits. There is also the charity, the Peoples’ Dispensary for Sick Animals, which helps pets, but only the pets of the needy. Suddenly you start appreciating just what you are getting on the National Health. Do I need pet insurance? Absolutely. There’s no law saying you have to get it, but if you don’t then be prepared to cough up should your pet get ill. Two out of three pets need vet treatment every year and that fees for these treatments increase by 12% yearly. When you think that your pet’s broken leg could cost up to £2,000 or a blocked intestine as much as £500, £6 a month for pet insurance suddenly seems pretty reasonable. Pet insurance can also cover a wide range of eventualities, from paying out for advertising if kitty goes awol, to covering the cost of your missed holiday if pooch is poorly. The best pet insurance policies should cover vets fees for x-rays, surgery and hospitalisation as a result of accident or illness, and treatment of long term conditions. They should also include cover for legal fees should your pet be involved in an accident or attack a third party. Benefits for death from illness or accident and reward expenses for stolen and missing pets are another benefit of insuring your pet. Some polices will also cover complementary medicine and behavioural disorders as well as covering holiday cancellation expenses if your pet needs emergency treatment. As a rule, small pets like hamsters and guinea pigs are not worth insuring. Most of the time, they don’t live long enough to make the payments worthwhile. But if you would like information on how to care for your small pet then take a look at the RSPCA’s guide on how to look after them. What do I need from my pet insurance? Your premium can be affected by a great deal of things. Obviously, the type of animal you have will play a massive part in your insurance, so will its age, pedigree and where you live (generally, vets bills are higher the further south you travel and are naturally way more expensive in London). Of course young cats and dogs are cheaper to insure than the pets that are getting on a bit. Breed, medical history and how much ‘excess’ you will pay before the policy kicks in – £30? £60? – also affects how much you will have to pay in premiums. Don’t forget that a whole load of routine veterinary items, like being spayed, are not included in many types of cover. It can be difficult to compare pet insurance policies as different ones have different types of cover so it’s hard to compare like with like. For a start, different companies have very different ways of paying out if you claim. Some pay you up to a total amount per year, or per condition or operation. Others will only pay for a single claim per year then other policies will pay for a single claim with no time limit. Before you start to take out cover for your pet, decide exactly what you want and need from your insurance. For example, you might want extras such as: An emergency pet boarding allowance if you have to go away at short notice Insurance to cover your cancelled holiday if the pet becomes ill Payment for advertising the loss of a pet Death cover whether through illness or an accident Getting the best deal Getting the best deal is the trickiest part. There is a wide range of policies with all sorts of different bells and whistles (such as the extras mentioned above). It’s hard to compare like with like but here’s how to go about it: Step one: Have a look at different deals Make sure you read through what the different policies offer. The cheapest one may not be the best for you because it may not cover the aspects you need. And don’t be dazzled by impressive discounts before reading the smaller print, as it’s there that you might find a term that doesn’t suit you and your pets needs. Step two: Push the price down There are a few ways you can bring the monthly premiums down: Accept a higher excess (in other words, you are willing to pay a larger amount of the bill if you do have to have a visit to the vet). Keep your pet healthy by keeping his weight down and giving him regular exercise. For more information on how to care for your pet, visit the RSPCA’s website. Keep vaccinations up to date. Insurers are unlikely to pay out on a claim if illness could have been prevented by a vaccination. See our article here for ideas on keeping your vet bills down generally. Buying online can knock back the premium by 5% Insuring more than one pet with the same policy will reduce the total amount you pay. Shop around! You can compare prices for different insurances here. What to look out for Pay-out limits Most insurers will limit the amount of money they pay out to you. They can do this in a number of ways. The first is a yearly limit. This means that once the company has paid out a certain amount for vets bills, boarding costs and death cover etc. you’re on your own. Insurers will often try to sell you a higher priced cover to raise the yearly limits but rather than jumping at the chance to spend more money, ask yourself whether or not your pet is really likely to need that much money to cover its costs. The second way an insurer can limit your cover is to pay per illness. If your pet acquires a long term illness such as diabetes then your plan will only cover you to a certain amount and then once again you’re on your own. This can be particularly troublesome with older pets which develop illnesses that last a long time. Some policies will also only pay out for a specific period of time for a particular illness, so a policy may cover your dog for its first year of diabetes but not the second. Lifetime cover It’s worth noting that life doesn’t always mean life. Check the small print on anything you sign. An insurer might well advertise lifetime cover but they’re likely to increase the premium as your pet gets older, and existing ailments might not be covered when you renew your policy. Also, insurers will often not insure pets over eight years old as they’re more likely to need the vet. It’s worth considering insuring your pets for life when they’re young then they will be covered. Excesses Policy excesses vary between insurers. Check that you are not required to pay too high a proportion of vets’ bills yourself to make the policy worthwhile. Existing conditions A lot of insurance companies will either charge you much higher premiums, or not cover you at all if your pet has an existing medical condition. This could be anything from a knee injury to a dodgy eye so you should check with the insurer. Also, a lot of pedigree animals are at a much higher risk of hereditary conditions so cover for these types of animals will always be higher. Theft Surprisingly, pet theft is rife in Britain. As many as 500 dogs are stolen every month in the UK. Cats are also high up on the list and even exotic birds, reptiles and fish can be stolen. If you know your animal is in particularly high demand, is expensive, or is quite an attractive looking fellow then make sure your policy covers theft. For more information on dog theft and how to keep your pooch safe check out the website: Home Security Action. Alternatives to pet insurance One way to avoid paying monthly insurance costs and risking your money going to waste is to set up a savings account that is your own ‘pet insurance’. This isn’t a special kind of bank account, it simply means that you pay a certain amount every month into this account which you earmark for vet bills. This way, you earn interest on the money you pay in, and if your pet doesn’t actually go to the vet then you’ll have the money to spend on whatever you like. The only risk associated with this idea is that your pet might fall ill before you’ve had the chance to save up enough to cover the costs, in which case you would have to pay out whatever is remaining from the money you’ve saved. Latest pet insurance offers A number of big pet insurance companies are currently offering impressive discounts if you book online. They each come with their own terms and conditions, so make sure that you’ve read our ‘what to look out for’ section before progressing. Here’s a brief summary of what they are offering: Animal Friends Dog insurance from £3.01 a month and cat insurance from £2.76 a month Pet insurance provider of the year for 2 years running (2017) 10% multi-pet discount Cats, dogs and horses A range of three policies to choose from Cheap renewal prices Excess charge: £99 for cats and dogs £250 for horses Tesco Discount for Clubcard customers. Discount for insuring multiple pets. 15% online discount when you buy a new Standard, Extra or Premier policy Pet insurance for cats and dogs. 24-hour access to vetfone pet helpline. Excess charge: from £60 Direct Line From £9.40 a month for cats and £13.13 for dogs 12 months for the price of 9 (introductory rate 2017) 25% Welcome discount Subscription to PAWSQUAD for free 24/7 advice from a qualified vet Multi‐pet discount if you insure more than one pet on the same policy Up to £8,000 vet fee cover with our Advanced policy Dental cover included as standard with Advanced policy Excess charge: starts from £80 for dogs and £70 for cats. Churchill 20% online discount – 12 months for the price of 10. Pet insurance for cats and dogs. 2 levels of cover Up to £1,000 towards finding your pet if it gets lost or stolen. Up to £500 of your pet’s purchase price if it dies in an accident. Up to £750 for emergency boarding kennel fees Up to £3,000 towards cancelling or cutting short your holiday if your pet requires life-saving surgery Excess charge: standard excess is £65 for dogs, £55 for cats and £100 for third party liability claims. If your pet is aged seven or older, you will be charged 20% of each and every claim, calculated after the standard excess has been deducted. M&S 15% online discount. M&S Cardholders receive 250 M&S points. Pet insurance for cats and dogs. 35% multi-pet discount Includes access to vetfone™(freephone 24 hour helpline manned by qualified veterinary nurses) Excess charge: From £50 for pets under the age of 9, or £150 for pets aged nine and over. homebasepetinsuranceonlinediscountThe post Best pet insurance deals appeared first on MoneyMagpie.

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