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    Pet insurance or an animal NHS ?

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    papa_umau
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    Pet insurance or an animal NHS ?

    Post by papa_umau on Sat 09 Apr 2016, 12:38 pm

    Many of you. like me who have animals at home will know how expensive they can get when they get ill or have an accident, and this brings up the question about either private insurance or maybe even a pet NHS for the future.

    I know that many of us use comparison sites to try to get the best deal possible out there, but have you ever thought of using a comparison site for paying your VET bills ?

    Here is one of these sites for you to have a look at. There are more if you are prepared to GOOGLE the question.

    The great debate that is going around just now is; If you have pet insurance is the VET going to charge as much as he/she thinks they can get away with if they know the money pot is bottomless ?

    Just like with private human health insurance around the world we find that all will be well so long as you can handle the premiums.

    That is why I have to ask the question: Should there be an NHS for animals so that the insurance companies and the expensive VETS can no longer rip-us off ?

    Anybody ?


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    Angie baby
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    Re: Pet insurance or an animal NHS ?

    Post by Angie baby on Sun 10 Apr 2016, 12:17 pm

    I have often thought about that question as I have the most beautiful Persian cat, named Tiddles.

    I might be wrong here, but I think that cats are much better at not getting sick than dogs are, but then again they are very often killed on the roads when they do not use their Green Cross Code. Evil or Very Mad

    My cat, likes to get out and about at night, as most cats do, but I am afraid that he might become a victim of the "night-time poisoner" as five cats in my neighbourhood have recently been killed by rat-poison laced chicken bits. I cannot just keep him in at night as if I tried that he would cry all night.

    What kind of a sicko would do that I wonder ?

    Sorry about drifting a bit from the topic.
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    Nuthin fancy
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    Pet Insurance

    Post by Nuthin fancy on Sun 10 Apr 2016, 7:25 pm

    Hi all,

    I have a semi long hair black and white cat called 'Buster', he's 12 now and keeps in very good health; but having said that he's a lazy lad and does not do much apart from sleep!!!. We HAD pet insurance, but like many insurances they 'cherry pick' and will do anything in their power to avoid giving out a penny. The premiums were getting stupid.

    So, about 3 years ago my old vet retired (who was great) and we took the old boy for his injections etc. This 'new' vet ( just out of uni I suspect ) was giving it large about this and that and said that the cat had some tartar on his teeth and needed an anaesthetic to remove it. Insurance would not cover it because, according to his records he has a heart murmur and the vet would not operate until this was investigated and she said he needed a 'scan' ( 600 ) at another 'specialist vet'; some 25 miles away!!.

    My old vet knew all about his heart murmur and said it was nothing to worry about and just to leave it. I was somewhat taken aback by this new vet and I suspected a little 'money making racket' was going on here; so we left and I took the cat to another vet whom my brother uses. This guy ( very experienced ) confirmed the tartar, but said its not an issue and proceded to remove it with his finger nail and a swab !!!.

    I told him about the other vet ( difficult because he has to maintain professional impartiality ) but he said some colleagues were like that; while I replied that although this other vet had, like himself spent many years at univerity it had not given her any ruddy common sesne had it ?...He just smiled.

    Lesson??. Get a second opinion and DONT trust the insurance companies. You are better putting some money away each week yourself if you are concerned. My mates daughter qualified as a vet last year and she is always moaning that they don't earn much money !!...Yeah, pull the other one!

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    papa_umau
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    Re: Pet insurance or an animal NHS ?

    Post by papa_umau on Mon 11 Apr 2016, 11:58 am

    Great comments there Technician, and I think many other people might have a story like that to tell.

    As there is no NHS for animals in Britain we are stuck with the privateer insurers who can rob us blind with no recourse to fairness.

    I sometimes compare our insurance-led pet-care to the system that is in force in America, where only the very poorest get state care for themselves and the rest just have to pay outrageous insurance costs for care.

    Of course, there is a similar thing here in Britain where the many charities might care for your pets for a nominal monthly sum.

    HERE is the link I would use to find out about the likes of the PDSA, the RSPCA and Blue Cross.


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    Nuthin fancy
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    Vets etc

    Post by Nuthin fancy on Thu 14 Apr 2016, 10:40 am

    Hi all,

    As an aside to this I was speaking to a large animal vet last night who was at a meeting I went to. He was talking about his job ( he had just retired and sold his practice in the countryside a few miles from where I live ) and I had a good chat. It seems that years ago when he trained he would just wade in there, assess the problem and get the job done ( Ie, he mentioned stiching a dogs leg and giving it some antibiotics, say 25.00 ).

    Today however he said the same procedure could well cost about 200 !!!...The reason..Risk assessment and 'Elf and Safety'....ie, the need to check the dog over, do full blood count to see its healthy etc!!. ( perhaps some Vets looking on here may wish to comment, I am just going off what he told me ). He aslo said that one of the first questions animal owners get asked is have you pet insurance, as the fee can be bumped up as its like 'open house' as far as treatment is concerned.

    So, the growth of pet insurance, and the rabid ( sorry for the pun ) Elf and Safety culture has contributed to this steep rise in Vets fees.

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    Re: Pet insurance or an animal NHS ?

    Post by papa_umau on Thu 14 Apr 2016, 10:49 am

    Thanks for that information Technician, as that just supports that today's generation of private vets do use pet insurance to bang up their charges, often on work that is not required.

    Of course, when insurance companies are ripped off anywhere, and for whatever purpose, this means that the insurance premiums for the rest of us go up too.


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    Re: Pet insurance or an animal NHS ?

    Post by Hell's Granny on Thu 14 Apr 2016, 11:22 am

    Technicians 'best mate's daughter' is probably bewailing the cost of setting up a new practice. The startup costs of any medical setup (Animal or human) are absolutely eye-watering, not to mention the Business rates. heat and electricity bills, corpse disposal, staff wages, National Pension Payments, and payments to professional bodies. Many vets work for an established vet, where they only get a proportion of the fees charged, and hope to gain a partnership, with the eventual aim of taking over when the Senior Partner retires.

    It is similar to the General Practitioners' practices, but GPs at least are paid by Government through the NHS. Vets don't get that guaranteed income.

    I would welcome a Pet NHS, as I would love another dog, but I would not be able to cope with a tiny dog. I have always had massive ones, but that is no longer sensible, so I'll need to go for something medium sized. I have a hankering to adopt a rescue greyhound or similar. Still, it's all pie in the sky because I doubt I could afford the insurance!
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    Re: Pet insurance or an animal NHS ?

    Post by Nuthin fancy on Thu 14 Apr 2016, 11:44 am

    Hi All,

    Thanks HG. You are quite right, the cost is astronomical. However she is working now at a vets practice in Bristol.

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    Re: Pet insurance or an animal NHS ?

    Post by papa_umau on Fri 15 Apr 2016, 12:42 pm

    Great stuff folks.

    It is still quite sick, ( excuse the pun ), that we have to beg help from charity animal carers when we cannot afford to go to a main-stream vet with our sick and injured pets.

    Even if the government cannot provide a national-insurance-driven pet NHS I see no reason why they cannot subsidise pet-care for the less well off in the country.


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