My lovely old boy is in the vets - he's had 6 seizures and they currently suspect liver cancer and want to rule that out first - it's £1800 for the needle biopsy plus scan/full bloods. That's all fine, totally get that.
However they think once they've ruled that out that they will then need to do an MRI (cost £1700) - so that will be £3,500 to get to a diagnosis.
Leaving only 500 max for treatment under the insurance - Direct Line are now only covering up to 4,000 per condition. What a fabulous return on £80 per month for the last 10 years.
What are my options 
After reading everything about canine cancer (and knowing a fair bit about human cancer) it seems that the studies only suggest that it buys up to an extra 3-6 months anyway if using chemo/radio/surgery.
I totally get that for a human it's a thought out choice to have that procedure but for my lovely dog he won't (obviously) understand and he will hate to be away from us.
I'm rambling, very stressed, very sad - any thoughts?
If you're worried about your pet's health, please speak to a vet or qualified professional.
The doghouse
Bloody pet insurance - what on earth are my options?
LFCisTarkaDahl · 29/10/2012 11:30
I hate to say this, but I would not want to put him under the stress
Obviously the money comes into it as well but foremost is the stress and pain/discomfort he will go through for an extra 3-6 months and then be faced with deterioration again??
I think it is prolonging the inevitable unfortunately.
I speak from experience too - parent's old dog PTS last year, Dad refused to let him go and just wanted to keep going with treatments (against vet and mum's advice/opinion) and ultimately he suffered more than he should. Dad did this through love/not wanting to let go, which is understandable.
Not an easy decision and I feel for you being put in this position. Unfortunately it is a position most pet owners have to face at some point
Thanks for answering, those are my sort of thoughts anyway. I can't believe it's going to cost the pet insurance company £3,500 to diagnose cancer and then I'm going to have to put him down. Not immediately hopefully - but soon-ish.
I'm having a horrible time with my elderly animals - I also have 3 14 year old cats - one of them (uninsured as rescued him when too old) has cost £2,200 this year so far, the other 2 are getting really old looking and now my doggy - the whole thing is just too heartbreaking
I will never get another animal, I love them too much and the loss of all 4 in the next year or two is going to wipe me out.
so sorry OP.
My pets are 6, 4 and 1....is hard to imagine when they get old, I will be like you, no more - it is too much pain!
Mum and dad have never got another dog, they have always had dogs but the last one broke their hearts totally
I'd like to thank you all for your input, it's enabled me to have a frank conversation with the vets.
The scan/biopsy is now not going to be done as there's little point diagnosing if we're not going to treat the suspected cancer with surgery/chemo/radio - he also has a heart murmur so I feel for me that the risks of anaesthetic for the scan (and then another anesthetic for the MRI) is just too much.
So they're going to scan for the heart murmur and then send him home with me to administer rectal diazepam if/when he has further seizures - and then we will make the absolute most of the time he has left.until his seizures become too great and then we will have him euthanised.
I'm pissed off that he's been away in that horrible crate at the vets for 2 days but hopefully I can make sure that his remaining weeks/months are filled with Kones/steak and cuddles. 
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