And this is the attitude that means they can spank you for whatever they want to charge.
It's why a pill for an animal costs £7 each and the identical human tab 7p.
The proliferation of vet insurance has become a self fulfilling prophecy of sorts.
You insure mutely at £50 a month, get a huge vet bill for overpriced stuff that 30 years ago would have cost a out a tenth of what it does today. And you go "wow I'm so glad I bought that insurance it's great value" so you buy more.
The vets know that you
a) don't mind what they charge cos it's insured
b) actually quite like it because you feel like your getting good value for your insurance premium.
C) like it because it looks like theyr doing something about mutleys ailments.
I opted out years ago when our 2year old lab was declined further cover after they found a heart murmur. We put £20 a month in the dog account. He's 14 now, he's not been to a vet for 11 years after he went after being stung by a wasp. On that occasion they just started giving him jabs "this one is for the swelling, this one is an antihistamine, this one is a painkiller, this one is a vitamin, this is a snake oil jab" at. At no point did they discuss the costs and were surprised that I thanked them and said I'm paying £70. And invited them to sue me for the rest as they didn't discuss the fees. I think they wanted about £250.
The dog account has about £2500k in it now (we've even lost the card)
He's 14 he has degenerative myelopathy and a delicate stomach. I'll be honest, his days are numbered as the weekness grows. If anything does go now wrong it's curtains.
Its probably unlikely anyone would ever have done an op on him anyway due to the whacking great heart murmur.
It's all in marked contrast to the lab down the road that is 8yrs old. I remember when we moved in ours was a bouncing 5yr old loon and the snarky woman remarked, ooooh he looks a lot older and made a nasty remark about not feeding him some ridiculous priced dog food. Well now at 14 having lived in a diet of £12/20kg working dog kibble and not seeing a vet he's a damn sight younger looking than their 8yr old. Will still play fetch and isn't overweight and riddled with arthritis like her dog. Im dying to remind her of her comments.