Families entitled to 'PDSA' treatment, a question ...

(27 Posts)

Do you still have pet insurance?

We are entitled to PDSA treatment, with our first dog 6 years ago we were not, our insurance was £4.50 pm.

I now cannot find a quote for under £20pm (we have 2 dogs too)

Do the PDSA get paid from insurers like private vets?

Or would it either be

a - get insurance & use private vets,

b - use PDSA?

We have been taking the dogs to the private vets upto now (cost over £100 uptonow for injections, worming, flea treatment and a headbump) and add another £80 in 2 weeks for 2nd injections and microchipping for both.

Obviously this is what it costs to get the puppies off to a good start in life and am happy to pay it but am more wondering over accidents / illnesses etc ...

TIA

thesunshinesbrightly Thu 27-Aug-09 00:02:39

didnt know you still had to have pet insurance???
As you dont have to pay for o.p's at the PDSA and pet insuarance doesnt cover injections,flea treatment and worming anyway.

Thats what Im asking, do I still have to?

thesunshinesbrightly Thu 27-Aug-09 10:49:01

why don't you phone the PDSA and ask them

Ys, I did, they said theres no point in getting insurance if I go through the PDSA.

lou031205 Thu 27-Aug-09 18:31:26

We are entitled, but won't give up the insurance 'cos dog has a skin allergy. V. expensive to treat if it flairs. Covered with PPlan, but if we stop insurance it would become pre-existing. If we then stopped PDSA entitlement, we'd be stuffed.

shigella Thu 27-Aug-09 20:14:01

I don't understand what you mean by PDSA entitlement?! I thought the PDSA was a charity that helped pet owners who could not afford vet fees for whatever reason?

You have to recieve housing benefit or council tax benefit to be able to use the PDSA.

shigella Thu 27-Aug-09 20:54:32

Thanks disenchanted - it's not exactly an 'entitlement', like NHS care or welfare benefits though is it? The PDSA is a charity that relies on fundraising and often bequests from wills. I get a bit annoyed with people who get pets when they knowingly wouldn't be able to afford vet fees etc, it doesn't seem fair to make a lifestyle choice such as having pets without the means to keep them healthy... I'm not having a go, and I don't know your situation, so - if you got the dogs when your income was greater and now you've fallen on harder times then I'd say use the PDSA, if you got the dogs when on benefits, knowing you wouldn't be able to afford vet bills, go with insurance - it's your moral/ethical choice I think!

Oh fuck off.

And its not 'free' you make a donation,

so the operation (for example) could cost £100 and someone could donate £100 if they have it or if they are having a bad month £50 or even £20.

And yes it IS an 'entitlement' thats they word THEY use because if you get benefits you are entitled to the service.

Isn't it great that you can't post ANYTHING to do with any kind of benefit on mumsnet without getting a fucking lecture over how w live our grubby little benefit grabbing lives?!

NervousNutty Fri 28-Aug-09 10:11:12

Thats mn for you Disenchanted, always ready to have a go.

We have a cat and she was insured until I split with xp and went onto benfits. I did carry on paying for a while until someone reminded me that i'd be entitled to tratement from the pdsa, so I cancelled the policy.

I took the cat once as she was generally out of sorts and off her food, and they gave her an antibiotic shot and a course of ab's. I donated £5 and so did my dad.

I would have liked to of donated more, but wasn't able at the time.

If you are entitled to use the pdsa then do so.

Thanks Nutty,

newpup Fri 28-Aug-09 10:19:25

How charming Disenchanted!

Shigella was not rude and she is entitled to her opinion.

It is an ethical choice to get an animal knowing you can not pay for it.

I never said I could not pay for my dogs hmm

I said did I need insurance, from that statement it is quite clear I was looking into getting insurance,

I rang the PDSA and they told me 'not to bother' their exact words!

And she was rude because my question was 'do the PDSA claim through private pet insurance?'

Not should I have gotten a dog because my husband is ill and cannot work!

newpup Fri 28-Aug-09 10:27:26

I did not say you could not either was just agreeing with shigella's point of view.

Just felt it was very rude to swear at another poster in an aggressive manner for giving her opinion in a polite manner.

I don't need a lecture from a stranger on the web, I asked an unrelated question.

I suppose pensioners should all have their pets taken away from them as soon as they start getting their pension benefits then?
As everyone who uses the PDSA are such bad eggs eh?

Wilts Fri 28-Aug-09 10:38:26

Disenchanted- My friend uses the PDSA, but she also has insurance on her younger dog( she has two) . I think her concern is that he would get some sort of illness like diabetes that would require lifetime medication and that for whatever reason the PDSA in her area may close, or she may move.

Good luck with whatever you decide, I am envy at your pups grin

they are adorable

Thankyou, thats something to consider,

like I said I never said I would not get insurance I was asking if I did or not.

Sorry I meant ' if I did need to'

interesting that the PDSA themselves told me not to bother though isn't it?

bedlambeast Fri 28-Aug-09 10:56:58

The PDSA are great but won't offer all treatment that you can get on most insurances-AFAIK.

If it looks like you'll not have entitlement in the future I'd ensure if possible with a policy that has lifetime cover.

If your dog got heart problems next year and you lost your entitlement to PDSA a while later you'd not be able to get the dog's heart problems covered on insurance - lifetime cover policies are more costly but worth it IMO.

If you'll keep your entitlement PDSA are a great option. Don't know how they work in emergencies though?

newpup Fri 28-Aug-09 11:33:21

You are charming disenchanted! I was not lecturing you but never mind.

Obviously you do not want a stranger on the web to lecture you and most users do not want a stranger to swear at them either!

Good luck with finding an answer to your question.

That I am grin

Yeah, cheers.

Am not sure regarding emergencies Bedlam, have thankfully not had one upto now, will look into it.

Thankyou

oopsagainandagain Wed 02-Sep-09 00:11:37

as part of a charity the PDSA can't claim from an insurer for any treatment they give...it's just not possible.
Which is why they said if you were going to use them then not to bother insuring them.

However, the PDSA will offer a fairly straight forward level of care and if they needed something like an MRI scan, or a referral fro some disease, then PDSA aren't going to cover this.

So it is possible <wince as saying it> that you could end up with a pet that was very ill, but PDSA cannot treat as don't have the finaces/facilities.
And you know they can be treated, but you don't have the money to treat-
there's a thread abouta dog with a spinal problem here tonight- insurance would def have covered that- but the owners can't afford referral. It may well be that the PDSA would not have facilties to treat that dog either...

bronze Wed 02-Sep-09 00:16:11

Remember also insurance covers other things such as if your dog bites someone (God forbid)

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