Soldato
Pretty easy for them to check insurance history with the owners name, its not like the insurance is in the name of the cat.
True, however, I don't know if there's a shared database for pets between insurers.
Pretty easy for them to check insurance history with the owners name, its not like the insurance is in the name of the cat.
Insurers are not stupid, this is an easy fraud to detect. Registering an older pet and claiming it has no medical history just as you lodge a big claim is going to get their attention straight away. Really better just getting a cover for life policy at a young age, these policies where treatment is limited to one year then you cant claim again are pretty poor, especially with these low claim cover limits as well.True, however, I don't know if there's a shared database for pets between insurers.
Insurers are not stupid, this is an easy fraud to detect. Registering an older pet and claiming it has no medical history just as you lodge a big claim is going to get their attention straight away. Really better just getting a cover for life policy at a young age, these policies where treatment is limited to one year then you cant claim again are pretty poor, especially with these low claim cover limits as well.
There's that and there's also a quality of life argument. Having animals means having to make decisions in their best interests, not yours. I think the scenarios you can rack up massive vet bills which are in the animal's interest, rather than the owner's, are relatively narrow.I have two dogs. 11 year old black lab and a 6 year old husky. They are both part of the family but you also need to be realistic with costs. Would I pay 2k-4k to save them as a one off cost yes. But if something kept happening then its either putting them down or giving them away if anyone would take them. In the end of the day they are animals and I have to make sure I have enough money for the Human family
Our dog developed an illness before Christmas that, after some failed treatment and back and forth, turned out to be Pyometra.
Initial vet bills:
1300 EUR
Surgery:
2600 EUR
She made a full recovery and is now back to her old self.
It was expensive but there we go, the alternative is to let her die and that wasn't deemed an alternative. I've got a good job and it's only money.
Glad she's back to normal!
Everyone's situation/circumstances will vary. I hope our guy is ok, he seems alright today but still not expressing loads of wee. He's happy in himself.
He's due a check up to see tomorrow morning, but if they find he's still blocked then I feel I may need to make that decision. Will Be hard if it comes to it. But here's hoping it doesn't.
There's that and there's also a quality of life argument. Having animals means having to make decisions in their best interests, not yours. I think the scenarios you can rack up massive vet bills which are in the animal's interest, rather than the owner's, are relatively narrow.
Good luck, hope it's good news, I know it's heartbreaking, and I hope we never end up having to make that decision for purely financial reasons
I guess it would be more likely to apply in one-off injuries rather than ongoing illnesses. When Ember was hit by a car earlier in the year, there was no question as to whether we wanted to go ahead with the surgery, insurance or not (luckily it was covered). She's since made a full recovery, but if it was just a matter of "keeping them alive" even if that life is miserable... Yeah, not such an easy decision (even if it should be)
So your 7 year old cat gets hit by a car, and a £2k operation will save them and let them live a normal life, but, nah, just let them die?
Then those that can't afford it shouldn't have a pet.
I agree, and it's not something I'd do personally.
Both my pets have been insured since we took ownership. Though we adopted our cat so weren't aware of any preexisting conditions. Turns out he didn't have any other than a ridiculous sense of self-entitlement and bravado. It does make me wonder if, a few weeks into ownership, something came up, would the insurance have stumped up.
I've got a good job and it's only money.
100% this and the reason I'll never have a pet, yes I'm tight.
One mate spent £10,500 on his uninsured dog and it still died.
Another mate had £5000 cover but the final bill was over £12,000 and that dog died.
I know a bloke with a Shiba Inu and they suffer with their back legs.
He had one done on insurance many years ago but the dog has suffered for years because they can't afford the other one and the dog is a proper fatty.
When we watch Noel Fitzpatrick's operations my Mrs has her phone on adding up the cost.
It was something like £1600 for a CT and this particular dog had 4 of them besides the complicated surgery.
That sounds quite sensible but I don’t believe it to be the case.Dogs have to be chipped and I do wonder whether they use that as an identifier for the dogs permanent record. If you gave away a dog, it wouldn't be too hard for a new vet to find out its history. But a cat that's not chipped could be a lot harder to discover that history.
Both of ours have been in for teeth extractions twice. One time for each they said they didn't actually need to remove any teeth, just a clean. We paid about £300 each time and of course dental work isn't covered by insurance. We joke each time the cats go in for a check up that the vet is going to suggest some dental work.We've just had a quote for our cat to have 2 teeth out. £1k!! What the.......
What have others paid?
Petplan covers dental.Both of ours have been in for teeth extractions twice. One time for each they said they didn't actually need to remove any teeth, just a clean. We paid about £300 each time and of course dental work isn't covered by insurance. We joke each time the cats go in for a check up that the vet is going to suggest some dental work.