Lifting dogs and holding still patients
A large dog on the operating table needs lifting, and a nervous cat needs holding firmly but gently. Veterinary nurses do both many times a shift. Back strain, bites and scratches are part of working life, and some infections pass from animals to people.
There is also the emotional side: euthanasia, emergency cases and upset owners. Long shifts and on-call nights in some practices add to the strain.
What your practice pays when you are off
Large veterinary groups may offer a set period of full pay. Smaller practices often pay statutory sick pay only, a fixed weekly sum far below a normal wage. Locum vet nurses usually get nothing beyond that.
If your sick pay is short, choose a short deferred period so your policy pays soon after your wage drops. Insurers group occupations into risk classes, which affects the price and the claim definition, so check how each insurer treats vet nursing.
- Find your practice's sick pay policy in your contract
- Count any overtime or on-call pay you rely on
- Match the deferred period to the date your pay drops
Keeping the cost down
Short term income protection pays for a fixed period on each claim, often one or two years, and costs less than cover to retirement. Protecting the essentials, such as rent or mortgage, bills and food, keeps the premium manageable.
Life insurance can be simple and affordable too, particularly if you start young and do not smoke.
Student vet nurses and newly registered RVNs
Students in training practices are often on lower pay, and sick pay can be limited while you qualify. A small policy that covers your rent and bills is a sensible starting point, and you can build on it once you join the register.
Starting young usually keeps premiums lower for the life of the policy if you choose guaranteed premiums. As your pay rises with experience or a head nurse role, review the amount of cover so it keeps pace.
How Hi Tomorrow helps veterinary nurses
We find out what your practice provides, what you earn and what you want protected. We compare the insurers on our panel, explain your options in plain words and help with the application. Our advice on personal protection is free of charge.