Not sure there really is basic as such. It's worth checking out the long-term prices though. If you switch provider to get a cheap deal each year, you are excluding any illnesses that may take time to appear as they will claim that they were pre-existing to the policy and are, therefore, exempt, even if so symptoms were showing at the start of the policy and you were unaware of it.
Misty was knocked down by a car and suffered a collapsed lung. The vet's bill came to several hundred pounds, after which we got insurance to avoid another hefty bill. So, it makes sense but is rare that you need it.
I decided against pet insurance. It is more expensive than paying for vaccinations once or twice a year.
Vaccinations are something else and are not covered by the insurance.
An injured pet can easily run up thousands of pounds in costs for treatment, especially if it is an ongoing condition.
It cost almost £700 just to have a lump removed and a biopsy done when Honey developed a benign growth a while back. If it had been anything worse it could have stacked up very rapidly. A friend's dog cost £3000 in one go some years back.
Lucy, Deborah's snake, was kept overnight in an oxygen text when she became infected with undeveloped eggs and that cost £200 or so (I forget exactly how much). But it is rare for cats to run up a bill of £3000. The question is, if the vet says it's going to cost x hundreds of pounds, do you agree or do you say, nah, don't bother?
When I took Gandalf in they wanted the money up front. I didn't have any (and obviously they did not know exactly how much it would be but they wanted SOME money up front). I pleaded with them to take him and promised to get the money. They did, I guess largely because he was clearly extremely ill and they were being compassionate (or perhaps because they did not want other people coming in and finding a kitten dying in a carrier on the floor and a tearful owner begging for help). I paid within a cpl days of his death tho as I said I had to borrow and took me longer to repay that
I heard a bird cry, sharp and free. My name is Jordan.
Post by raspberrybullets on May 1, 2014 10:24:22 GMT
Somebody over here had to get their dog to have a hook removed from their stomach and the vet bils cost about $3000 AUD. But if your cats are indoor they are less likely to have such problems.
The sight filled the northern sky; the imensity of it was scarcely conceivable. As if from Heaven itself, great curtains of delicate light hung and trembled. Pale green and rose-pink, and as transparent as the most fragile fabric, and at the bottom edge a profound fiery crimson like the fires of Hell, they swung and shimmered loosely with more grace than the most skillful dancer. ~ Northern Lights
Our guinea-pigs are not insured. Mainly becasue they are small and there are a lot of things we wouldn't have done if they got ill. They offered to do surgery on Basil which would have been 600 to 700 €, but they would have needed to take a kidney out, the gallbladder and something else and we decided that was too much for such a small animal. He proved us right as he died just two weeks later, so he was already so weak he probably wouldn't have made it through surgery. It's better to put some money aside for emergencies.
I was a bit scared of the costs when we left our cat, Misty, overnight with a collapsed lung, thinking it would cost £2000 but it only cost £600. Still a lot of money but it's awful having to make the decision of how much money to pay to save them. My inclination is that small animals are unlikely to survive and it is kindest to them to let them die.
Very often there is not much that can be done with small animals. When our 13-week old bunny was taken ill, the vet could only keep her on fluids and hope the problem sorted itself as the anaesthetic needed for the operation would have killed her if she was not in the best of health to begin with.
The vet told us that anything smaller that a cat would be a similar case as there is little room for redundancy in the animal's body and it pretty much all needs to be fully working to survive.
Lucy nearly died from undeveloped eggs in her abdomen which became infected. The vet operated on her and put her on a oxygen ventilator and she survived for another couple of years (Pat says a lot longer) but she was a bit sickly after that.
I have insurance for my dog, which started off at about £4 a month but gets more every year. I've just swapped to another provider which knocked it down from £14 to £9.80 a month, but I have to pay £100 excess.
I was really glad of it last year though - Kizzy got a kidney infection and the final bill was over £700.