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Is it normal for a new vet to say this?

66 replies

stirling · 19/01/2022 21:41

"Before your first visit, we strongly advise you to sign up for pet insurance"

??
Registered my 8 month old kitten and only wanted to have her checked and neutered etc. I live in a ridiculous area where people have a huge amount of money and the residents are completely money driven /obsessed (except me of course!) but since I'm a highly sceptical person, I'm fearing this means

"we plan on exaggerating or inventing medical problems so that we can maximise your costs which you'll claim back from insurance"

Of course, I could be paranoid!
Shock

OP posts:
Toddlerteaplease · 20/01/2022 11:23

I've had £22k if claims. Thank goodness for insurance!

SilverHairedCat · 20/01/2022 11:39

@BasaltIsland your vet will be the person you putting down the animals which could have been treated but for owners who can't afford to pay for the treatment. Of course they'll espouse the need for responsibie owners to have insurance.

No one becomes a vet hoping to have to put animals down. There is a reason suicide rates are high in the profession. It must be awful knowing they for the sake of a few hundred quid an animal could have been treated and lived a long and happy life but because the owner didn't have insurance and didn't have the funds to pay for their pet to be treated, the animal is now to die at your (the vets) hand.

Great if you're wealthy enough to pay for, say, a broken leg or series of injuries and infections, but many aren't.

Winniemarysarah · 20/01/2022 12:04

It’s because you can’t get cover for pre existing conditions. I bought a puppy a number of years ago and spotted a health condition which I knew would be extremely expensive to treat. At the risk of getting slated on here, I’ll admit to taking out insurance and waiting 2 weeks until I knew he’d be covered until I took him to a vets. I ended up with £150 bill instead of a 6k bill. I don’t know why you’re complaining about being given a very sensible heads up by a vet.

BonnyandPoppy · 20/01/2022 12:19

After never using the insurance for our last two cats which got more an more expensive each year as they got older this time I took the decision not to insure our new cats. We do however have enough money to cover any vet bills needed. The cats are now 5 and so far not needed any vet treatment apart from annual jabs and neutering which wouldn't have been covered anyway.

gsaoej · 20/01/2022 12:21

You need to have pet insurance in place 14 days before you see a vet

otherwise they won't cover what's found

insurers will do anything to get out of paying out

BasaltIsland · 20/01/2022 12:25

@SilverHairedCat - a responsible owner should be able to get their pet the treatment it needs rather than have it put down, agreed. You shouldn’t be getting a pet if you can’t afford its care. But insurance is not the only means of funding care. I have no idea what op’s financial position is, but if she could self-fund it’s worth thinking about.

In any case, once you start hitting the really high bills a cheap policy with a low limit isn’t providing much more protection than being uninsured. So it’s not a binary insured = responsible, uninsured = irresponsible.

Wineisoverrated · 20/01/2022 12:32

Our old vet had a policy where they will not treat animals without proof of insurance or a credit card/upfront payment over £50. Too many people were bringing in their uninsured animals and then being unable to pay the costs.

Many people underestimate how much medical care for animals will cost. We had our cat spayed when she was little(£120) but she had a really bad reaction to the anaesthetic, had a seizure and developed a blood clot on her brain. She required follow up care, had to stay at the vets for a week and medication when she came home. Plus follow up care. It cost an EYE WATERING amount all in all. If we hadn’t had her insured then we would have really struggled to pay but when the vet rang us it was a knee jerk ‘do whatever you can’. I imagine lots have similar responses and then cannot afford to pay.

Always always insure your pet. It’s irresponsible not to.

ClariceQuiff · 20/01/2022 12:40

My largest vet bill for a cat was about £2000 - kidney failure Sad. Thanks to the treatment we had him for another two years and he lived to 18.

AwkwardPaws27 · 20/01/2022 12:57

If they were to find something like a heart murmur at the first visit, it would be counted as a pre existing condition and not covered by your insurance. If you are already insured, your pet will be covered.

They are trying to help you.

OnceUponAThread · 20/01/2022 13:42

Definitely, definitely vets being responsible. A fairly basic operation can cost over £5k.

Also they need you to be covered so you they can actually treat if something is wrong. Not many have a spare £10k lying around.

Please get insurance. And do it before you take them. If you wait and they find anything it will be a "pre-existing condition" - you'll struggle to get cover for it and if you do it will be specialist and very expensive.

If you're covered already, you can claim for anything they might find.

Lougle · 20/01/2022 13:48

If you even mention something vaguely related to any condition in your first consultation that becomes a pre-existing condition.

If you have insurance as soon as you get your pet, nothing will be pre-existing.

thisplaceisweird · 20/01/2022 13:51

@Lougle

If you even mention something vaguely related to any condition in your first consultation that becomes a pre-existing condition.

If you have insurance as soon as you get your pet, nothing will be pre-existing.

Yup - just common sense and what a nice vet to point that out. They dont want to put pets to sleep because you can't pay. The area you like is irrelevant frankly, it's not like vets have catchment areas.
MallampatiCatty · 20/01/2022 13:58

Definitely definitely get insurance! That's very sensible of them to advise you Smile

SallyWD · 20/01/2022 14:23

Yes you are being paranoid. It's normal (and I'd say essential) to have pet insurance and they're wise to advise this. I adopted an extremely healthy 1 year old cat but he still got sick and was hospitalised for one night only. It cost over £1000! Many people do not have £1000 spare cash. Imagine how many times a week vets have to deal with customers who can't afford to pay their bills.

Anonaymoose · 20/01/2022 14:26

You need to have pet insurance in place 14 days before you see a vet

otherwise they won't cover what's found

If a genetic, hereditary or preventable disease is found on first exam your pet still won't be covered by any insurance, they're not daft.

RoseAndRose · 20/01/2022 14:28

@Nevermindful

Insurers won't cover pre-existing conditions. If you sign up before your first vet visit no condition will be pre-existing. If you turn up with no insurance and discover your pet has some kind of issue you won't be able to get that covered in subsequent treatment. My kitten has a heart murmur. It is unlikely to cause her any issues, but if I hadn't had insurance before her first appointment I'd be facing issues if it does ever cause problems.
This is important

Also, vets really don't like having to put down pets because owners cannot afford a procedure so the only alternative is suffering and no quality of life.

Lougle · 20/01/2022 14:28

I took on a westie years ago. I took him to the vet for a general check over and they suggested PetPlan. When I took him back because his skin was quite pink in areas, he had allergic dermatitis. Because he was insured, he could have proper investigation and gold standard treatment that I could never afford to pay for myself.

Ethelswith · 20/01/2022 14:33

@gsaoej

You need to have pet insurance in place 14 days before you see a vet

otherwise they won't cover what's found

insurers will do anything to get out of paying out

That depends - if you are insuring a kitten/puppy which has been vetted by breeder before sale, and you insure it before the breeder's insurance stops (they can cover for the first 14-28 days to give the new owner a bit of time to set their own up), then coverage can be immediate.

Ours was, and very glad I was too, when about the first thing the critter did was come down with a vomiting bug

HunkyPunk · 20/01/2022 14:39

@SilverHairedCat

More likely they are recommending people are responsible pet owners.

FFS.

You don’t have to have insurance to be a responsible pet owner. It’s not like car insurance where you have to have cover in case a 3rd party claims against you! If you can afford to ‘pay as you go’ for any vets bills (which for minor ailments are often little more than the excess would be), it’s perfectly possible to do without insurance, if that’s your choice, and still be a responsible pet owner.
doodleygirl · 20/01/2022 14:43

Doesn’t really matter to the vets if you get insurance, their bills will still be paid. They are recommending this for you to consider and decide based on your personal circumstances.

I would never be without insurance for my dog, it has saved me thousands.

SammyScrounge · 20/01/2022 15:24

@Lou573

I should say I have a healthy dose of scepticism having just paid £50 for a probiotic available on Amazon for £11, but there’s not many other options if your pet needs veterinary treatment.
Try and find a small private vet. I don't trust these chain vets. There was a documentary some years ago. The docu makers took a cat with a minor complaint to a number of vets. The vets were recommending all sorts of treatments and tests like brain scans that cost a fortune. Then they went to a country vet who found an inflammation in the cat's ear. The vet prescribed an antibiotic costing £10 and the instruction to bring the cat back if he didn't improve. The cat was spared a battery of unnecessary procedures and the owner was spared a huge bill.
fluffedup · 20/01/2022 16:02

We regularly get threads like this, and people will generally point out that the NHS shields us from realising how much medical treatment costs.

Which is true, but what is the real cost of treatment? For example I'm on levothyroxine which costs the NHS (and therefore all of us) about £28 a month. Apparently it used to cost a tenth of that, but the rights to the medicine were bought by someone who then put the price up. Thyroid deficiency is very common in older people so the increased cost to the country must be huge, also that cost may prohibit doctors from prescribing it. I think that happened to me - the doctor didn't tell me the results of my blood test back in 2014, leaving me to struggle with chronic tiredness for years.

I do think there should be some legislation to cover this, for human medication at least. Similar to the laws against profiteering.

There used to be a law that vet practices could only be owned by qualified vets. This law was scrapped and now some vet practices have been bought by private equity companies, so the emphasis is on making money, and the vet may have little control over what they charge.

And of course vets do deserve to be decently paid, more so nowadays as they have to repay university tuition fees and qualifying as a vet takes 7 years, so those tuition fees must be horrendous.

But this thread is terrifying me. I have 8 pet rats and three of them are on medication costing £60 a month each. For two of those, if I stopped the medication, their condition would rapidly deteriorate and they would have to be put down within a couple of weeks. That money going out every month has a big effect on my finances but it is nothing compared to the costs for larger animals.

I have noticed when I go to the vet that it's all dogs and cats, you never see the smaller animals there, so I wonder if people just don't treat them.

ClariceQuiff · 20/01/2022 17:05

It’s not like car insurance where you have to have cover in case a 3rd party claims against you!

True for cats, but not for dogs. You have third party liability for your dog's actions, so if it bites someone or runs into the road and causes a traffic accident, you could face a hefty claim.

However, you can insure a dog for 'third party only' quite cheaply, if you are confident you could meet vet fees without insurance.

1984Winston · 20/01/2022 17:18

Completely agree with a pp, when I was a vet nurse so many pets were pts because people had no money, it's pretty upsetting for all involved and not why vets train to be vets, it's certainly not for the money, most are very poorly paid. I've just insured my new kitten and I've not even got her yet

Lougle · 20/01/2022 17:49

When we had our westie, his treatment was £600 per month and his insurance premium was £30 per month.

When our current dog nicked a whole bar of toblerone last Christmas, it was over £300 to have him admitted and given an emetic drug to make him puke.

When his ears were badly infected and he wouldn't let the vet look inside (who knew a dog could have a special skill of muzzle removal?!) it was £1000 to have him anaesthetised, ears washed out, special leave-in ointment inserted and then follow up.

It can be so expensive, so fast. £60 per month for him (big dog) is worth peace of mind.