Cairn Terrier Terry

Cairn Terrier Terry has expensive tastes, with past antics involving eating a tube of orange paint and downing some Grappa, which have resulted in some costly vet visits. In total, Terry has notched up over £5,000 of vet fees thanks to his little mishaps.

His owner explained, “When Terry was five months old, he somehow managed to find and chew through a tube of orange acrylic paint and ate around half of the tube. We were initially puzzled as to why he was so drawn to it but found out it was infused with orange oil so it must have been the scent that enticed him!

“Once we realised what he’d done, we were really worried, as it’s not every day that you hear of a dog eating paint. But after being treated for poisoning and spending a full day at the vet’s, we were left to pay around £450 in bills with pet insurance and took him home to rest and recover.

“On the second occasion, at around a year old, we woke up in the middle of the night to some rustling and found Terry drinking Grappa from the floor after finding a bottle in a low cupboard and somehow opening it. This resulted in an overnight stay at the vet while he was treated and monitored and we had to pay around £400.

“Looking back, we’re glad that we’ve always had insurance for Terry, as he’s still getting into trouble at 13 years old, having recently needed to have a cruciate ligament repair after running down an embankment. We opted to go to a specialist, which set us back £4,500. We are happy to report that he has now fully recovered and we’ll be keeping him insured!”

It’s estimated that over 12 million dogs live in UK homes, but only 3.4 million of these have pet insurance. Since the start of the pandemic, over 3.2 million households have acquired a pet, but most owners don’t realise the importance of insuring them.

Salman Haqqi, personal finance expert at, explains, “It can be difficult to manage unexpected vets bills. The type of illness and injury will increase the fees, with chronic conditions tending to cost more than a simple infection. Other factors such as age, background and previous conditions can also impact costs, which is why it’s so important to include pet insurance in your budget when deciding to bring a dog or any pet into your home.

“In the case of Terry, his owners were lucky to insure their canine friend. Without pet insurance, the cost of surgery on a small animal can easily be in excess of tens of thousands of pounds.”





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