Last Minute Pet Insurance

Flora_McDora

I've posted on here a few times recently in prep of applying for bankruptcy.
I have 2 Border Terriers (7 & 4 yrs) and have always had pet insurance. However, last week I had to rush one of the dogs to the vets and ended up with a bill of £255. Unfortunately I realised my pet insurance had expired and I hadn't renewed it !! It actually expired almost a year ago - I must have meant to sort it out and somehow forgot !! Luckily I was able to pay with the money that I'm putting aside to pay my bankruptcy fee.
However its made me realise that I need to sort out the insurance. When I posted my SOA on here, I included money for pet insurance. If I take out pet insurance now and pay monthly (as I always do) will this be a problem when I apply for bankrupcy - middle of next month now.
Thanks
Flora x

Minkym00

No. It’s an allowable expense and you have a reasonable explanation, and can evidence, why you had to take out a new policy. 

Flora_McDora

Minkym00 said:

No. It’s an allowable expense and you have a reasonable explanation, and can evidence, why you had to take out a new policy. 

I've just got quotes for insurance for both dogs and it's approx £36pcm - it seems alot but the dogs are older and I need Lifetime Insurance as Border Terriers are prone to several lifetime conditions !!
Do you think such an amount will be acceptable?
Thanks
Flora x

mwarby

The amount is acceptable if it’s a genuine cost, there maybe guideline amounts, but they are just that. If you exceed them it’s not wrong, it’s to prompt the OR to check it’s genuine and your not trying it on, you’ve shopped around got the best deal, and you need it more than ever (how else will you pay a vet bill during bankruptcy, which could last 3 years)