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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think it's easier to access high quality medical care for pets than humans?

93 replies

Noalcohol26 · 22/02/2026 09:03

This morning my partner came home from work at approx 6:30 to find our cat meowing in pain with a significant limp outside. We rand our vets with an attached vet hospital and arranged to go in. We were in there approximately 15 minutes, with our lovely cat having a full check (thankfully seems to be nothing serious) and sent on our way once they had given her a painkiller. Total cost £200 (will be reimbursable with our insurance). If she had been a human it would have been hours and hours sat in A&E and it's made me feel cross (I work in the NHS so this isn't an NHS bashing thread). AIBU to think something needs to change when I can access this care for my pet but not my (human) family?

OP posts:
saltandvinegarpringles · 22/02/2026 17:23

Barnbrack · 22/02/2026 17:21

Yep. Frankly I want to cancel the pet insurance but my husband keeps saying 'what if he needs an operation next week' and that's how it is, your hands are tied.

Exactly. We cancelled our 13yo cats' insurance a couple of years ago as the costs absolutely skyrocketed - he then developed arthritis and needs three lots of medication a day 😂

Luckily for now the costs are under what we'd have paid for his monthly premiums but it's always a gamble.

Barnbrack · 22/02/2026 17:21

saltandvinegarpringles · 22/02/2026 17:18

And there's the fact that after the age of 8, you often have to pay the excess plus 20% of all the vets fees on top of your monthly premiums...

Yep. Frankly I want to cancel the pet insurance but my husband keeps saying 'what if he needs an operation next week' and that's how it is, your hands are tied.

saltandvinegarpringles · 22/02/2026 17:18

Barnbrack · 22/02/2026 17:16

That premium increases steeply when you start claiming and they get older. My dog when a puppy was £10 a month and now at 10 with a heart condition is £165 a month. And you can't change provider as it's a pre existing condition. Good luck to you as time goes on and you realize that.

You've not thought this through very far, imagine you're at home with a child who wakes up limping and no money and you've £200 excess on your health insurance before being seen at a and e. Ridiculous comparisons.

And there's the fact that after the age of 8, you often have to pay the excess plus 20% of all the vets fees on top of your monthly premiums...

Barnbrack · 22/02/2026 17:16

Noalcohol26 · 22/02/2026 09:14

I don't think I could get something this equitable for what I pay for my cats insurance (£20pm per cat). Also - I pay hundreds and hundreds in tax and national insurance - I don't think my healthcare should be significantly worse than my cats!

That premium increases steeply when you start claiming and they get older. My dog when a puppy was £10 a month and now at 10 with a heart condition is £165 a month. And you can't change provider as it's a pre existing condition. Good luck to you as time goes on and you realize that.

You've not thought this through very far, imagine you're at home with a child who wakes up limping and no money and you've £200 excess on your health insurance before being seen at a and e. Ridiculous comparisons.

Barnbrack · 22/02/2026 17:13

Out of interest how would your cat have faired if you didn't have £200 upfront?

I have a child with asthma and one with seizures both have needed an ambulance in the past. At no point did I have to check my bank account or insurance before calling. Yet parenting groups I'm on online for their conditions you see the American parents with their at home pukse oximeter and kids with o2 saturation in the 80s wondering if they can afford a and e or have to take their chances

Barnbrack · 22/02/2026 17:08

Few years ago my son woke up limping suddenly out of nowhere, went to a and e, was seen in under an hour, had a neurological exam, confirmed weird inflamed hip reaction to viruses, home an hour later with a leaflet, cost no pennies. So no. I disagree

Sausagescanfly · 22/02/2026 17:08

What you aren't seeing is the pets that don't get treated because their owners can't afford vet treatment. Or the people who don't have pets because thry can't afford vet bills. We have universal human health care.

NammaRain · 22/02/2026 17:05

One is private and paid for where people can shop for care. The other is run inefficiently by government and taxes.

Buildingthefuture · 22/02/2026 17:03

I agree with you op, even though I have Private Health. If any of my animals is poorly, day or night, I can pick a veterinary hospital and go. I get immediate access to specialists/scans or whatever tests they might need, emergency care, and if the worst happens, a pain and stress free end of life.
Even WITH private health, humans don’t get that. There is no private A&E, referrals have to be made, waiting for tests, waiting for results. And that’s private. I’ve given up on the NHS to be honest, I can’t even get a GP appointment. And the recent publicity around the sheer number of people who die in pain without adequate care or pain relief horrifies me.
The entire thing needs a massive overhaul.

Octavia64 · 22/02/2026 16:38

Glaspeated · 22/02/2026 09:22

Private veterinary care and the NHS are not even vaguely comparable, and don’t vets euthanise some of their patients?

Let’s see how accessible it is when the bill is significantly more than £200 and you don’t have insurance.

Edited

Honestly I’d personally prefer it if when on end of life an overdose of morphine was on offer to me quite frankly.

i watched my dad die of cancer plus Covid and it was not pleasant.

Chersfrozenface · 22/02/2026 10:12

I sincerely hope someone grasps the nettle so that we end up with a European system...

There is no European system, as such - each state has its own system. But remember that 9 EU states spend more public money per head on health than the UK. Germany spends a whopping 55% more.

And in France, where the state only covers 70% to 80% of your health costs, you usually pay for a mutuelle policy, at anywhere between 30 and 150 euros per person month.

ItsThatWayNotThisWay · 22/02/2026 09:59

Noalcohol26 · 22/02/2026 09:51

Well, quite. I know I could get private medical insurance and have seen a private consultant previously when I was desperate to be seen (serious eye issue) but the NHS waiting time was 14 weeks. I just think that there needs to be an overhaul - so much money in the NHS is wasted on missed appointments, shit IT systems and bloated management issues. I think this has been triggered as I'm on the verge of leaving the NHS as it just feels so unsafe for patients and staff currently.

There is waste, but honestly, I’d be careful what you wish for. It really could be so much worse, especially for those that are not well off.

We have private medical care including a private GP, we will always be able to afford our care, but plenty of people could end up in a terrible situation with any ‘overhaul’.

There is waste in all large organisations and the NHS is one of the most complex.

Noalcohol26 · 22/02/2026 09:51

SomethingFun · 22/02/2026 09:45

I suppose if I was paying £100s a month into a pet national insurance system but I was being advised I also need to pay £50 into a pet private insurance system to get my pet a vet appointment I would be mightily unimpressed too.

Also agree with the pp, my poor cat was put to sleep when he couldn’t breathe properly anymore, my Dad was put in a side room with essentially the same thing until he died and it took over a day.

We need the grown ups to have a proper and dispassionate discussion on universal healthcare in this country before it collapses and is replaced with the American model as that one is presumably the most profitable for corporations.

Well, quite. I know I could get private medical insurance and have seen a private consultant previously when I was desperate to be seen (serious eye issue) but the NHS waiting time was 14 weeks. I just think that there needs to be an overhaul - so much money in the NHS is wasted on missed appointments, shit IT systems and bloated management issues. I think this has been triggered as I'm on the verge of leaving the NHS as it just feels so unsafe for patients and staff currently.

OP posts:
LVhandbagsatdawn · 22/02/2026 09:47

Noalcohol26 · 22/02/2026 09:14

I don't think I could get something this equitable for what I pay for my cats insurance (£20pm per cat). Also - I pay hundreds and hundreds in tax and national insurance - I don't think my healthcare should be significantly worse than my cats!

You might be surprised how "cheap" a private GP appointment is - same day online appointments can be as low as £40-£50. Obviously that's not cheap if you don't have the money, but depending how often you need to see a GP urgently it could well be quite a bit cheaper over a year than your cats insurance!

SomethingFun · 22/02/2026 09:45

I suppose if I was paying £100s a month into a pet national insurance system but I was being advised I also need to pay £50 into a pet private insurance system to get my pet a vet appointment I would be mightily unimpressed too.

Also agree with the pp, my poor cat was put to sleep when he couldn’t breathe properly anymore, my Dad was put in a side room with essentially the same thing until he died and it took over a day.

We need the grown ups to have a proper and dispassionate discussion on universal healthcare in this country before it collapses and is replaced with the American model as that one is presumably the most profitable for corporations.

MoiraPlunkett · 22/02/2026 09:44

You can't compare the two because there is no 'NHS' for pets - you are paying for private pet healthcare.

If there were an NHS for pets you can guarantee it would be as slow, if not slower, than the NHS today.

I was on a 13 month NHS waiting list to see a consultant about a possible hysterectomy. I have health insurance so saw a consultant privately within a week of phoning, hysterectomy performed two weeks after that. That's not much longer than it would take to have your cat spayed!

ItsThatWayNotThisWay · 22/02/2026 09:44

People often have no idea what their NHS care costs. Thats why they get a shock with the price of vet treatment for their pets. Most people pay very little in tax compared to what they take from the NHS, and other things which their tax pays for because it doesn’t all go towards the NHS.

I remember a relative talking about ‘all the tax they paid’, when in actual fact they never paid more than £3k a year as they didn’t earn much, and then they were moaning about the shit services. They seemed to forget the 4 children they had on the NHS, their schooling, dental care, eye tests and glasses, housing and child benefits they received, as well as other things tax goes towards that they benefitted from. They were getting a very good deal for what they paid, but moaned loudly.

Velvian · 22/02/2026 09:38

My parents recently tried to arrange a private GP, but there isn't one in our area. They have recently paid for specialist consultant appointment and a CT scan.

This was after needing an ambulance a few times and geing sent home from hospital once stabilised, with no follow up plans.

They're not wealthy and have limited savings, but we've encouraged them to use their savings on healthcare when needed.

Secretseverywhere · 22/02/2026 09:34

I think this is just going to get worse as the population ages tbh.Average NHS spending per person goes up dramatically with age.

Ginmonkeyagain · 22/02/2026 09:34

Yes but your cat has individual medical insurance, your taxes go to fund a general NHS service and it priotises based on need, not how much you personally pay in.

The NHS has to continue to treat people who, if they, were pets would probably be put down.

The two services are not even remotely comparable.

As others have pointed out there is the human equivilent of your cats care availble to you - private insurance. I get private GP appointments and medical care through work. I hurt my "paw" (tendonitis in my achilles tendon) earlier this year. I was diagnosed and on a course of physiotherapy within a week.

Anxietyspiral · 22/02/2026 09:31

Have to agree with this. Took my rescue greyhound to vet for his eye check up yesterday and everyone was so pleased to see him, asked how hes settling in, lots of head scratches and even a biscuit afterwards. No one is ever pleased to see me or asks how I'm doing at the GP 😂

Glaspeated · 22/02/2026 09:31

Noalcohol26 · 22/02/2026 09:27

I do have insurance though, to ensure I can care for my cats properly. My point I suppose, is that we DO pay for our NHS services through taxation and we (in my opinion) are getting a pretty shoddy deal.

If you think the NHS is shoddy (and I accept it obviously isn’t perfect, by any stretch, despite me always having received a good standard of care), you can get yourself private medical insurance or just pay for treatment from a private provider. The standard of service would then be comparable with your pet.

f1mercedesfan · 22/02/2026 09:29

The staffing balance between vets and medical professionals is definitely way off what it needs to be. Most households have multiple people but no or only one pet yet there seems to be more vets around than doctors and nurses etc. While the government is focusing on other elements of the NHS to try and improve it rather than the staffing levels they should be they're guaranteed to fail in improving this unfortunately, their focus should be increasing wage budget and encouraging school leavers to pursue medical carers rather than changing how surgeries are contacted like they did last year

Noalcohol26 · 22/02/2026 09:28

Overtheatlantic · 22/02/2026 09:26

I’m surprised you are trying to compare veterinary medicine to human medicine but okay. I’ve always received excellent care from the NHS although I’m aware that not all trusts are equal and I’m very lucky. However, we need to think more about how we use the NHS services. There was recently a thread about people going to A&E for colds and minor symptoms.

I'm not directly comparing them as such, just my experience this morning made me think about how the situation would be different if, for example, my partner had significantly hurt his leg.

OP posts:
Noalcohol26 · 22/02/2026 09:27

Glaspeated · 22/02/2026 09:22

Private veterinary care and the NHS are not even vaguely comparable, and don’t vets euthanise some of their patients?

Let’s see how accessible it is when the bill is significantly more than £200 and you don’t have insurance.

Edited

I do have insurance though, to ensure I can care for my cats properly. My point I suppose, is that we DO pay for our NHS services through taxation and we (in my opinion) are getting a pretty shoddy deal.

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