Accidents and illness happen when you least expect them, which is why you take out insurance. If you have pets, make use of private veterinary services, and are so attached to your animals that you will spend almost whatever it takes to keep them alive, the costs of treating a sick or injured animal can put a serious dent in your budget. If your dog or cat gets out of the yard, for example, and is hit by a car, it could cost up to R40,000 in vet's bills to save its life. Such an expense may lead you to consider pet insurance. Like independent financial planner Brent Cocks from Flagstone, whose mastiff boxer ruptured a cruciate ligament when he was nine months old and cost Cocks R15,000 in surgery and another R24,000 on hydrotherapy rehabilitation. That was a few years ago. Now Cocks has pet insurance and sells DogSure policies to his clients. Nicole Buchler, general manager of Oneplan Pet Insurance, says if you are thinking about saving money yourself for pet emergencies, consider t...

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