Originally Posted by MrsRobinson:
“Wilhemina, how often have people had "insurance" discussions on here? When I got my last dog and took it for a £56 jab my vets gave me loads of info about insurance and almost made me feel guilty for not taking it out, especially when I really read up about it, to find that lots of stuff isn't covered by insurance!!!!
One of my dogs is having an operation next week on her eye and I never had the courage to ask my vet how much it would cost and neither did she give a clue about the cost!!!
An old dog of ours that had a spleen op a couple of years ago cost almost £600 for the op and the dog Was £450 to buy 8 years before!!!! I know it's probably a big op, but £600!!!! They probably presumed we had insurance because some insurance companies have said that vets charges have gone up 4+ fold in the past 3 or 4 years and they will know what various vets in different parts of the country charge for treatments!!!
The article says:: These days, pet insurance is pushed as a 'necessity'. Sit in any vet's surgery and you are left in no doubt as you survey the dozens of adverts for it that 'good' owners have it while 'bad' owners do not. 'However you look at it, pet insurance is simply a licence to print money'
So unsurprisingly, the average middle-class family feels more comfortable having this insurance. They have medical insurance for their children, so it's only natural that they want the same for their family dog or cat. Insurance for a pet dog or cat costs on average from £60 to £250 a year. Worryingly, if you have pet insurance you can be sure your vet is more likely to offer your pet treatments - because your vet knows you won't be paying so you can afford it.
But, however you look at it, insurance is simply a licence to print money. Unfortunately, the only creatures insurance helps are vets. If you are a loving owner you will not want to put your pet through cruel, lengthy and costly procedures.
And as this is all insurers cover - they do not provide for any useful essentials such as neutering, vaccinations or teeth cleaning - there is no point to them.
I know that not all vets are 'greedy' but re this article, I do think there's no smoke without fire!!”
Insurance is not a payment plan!
It is a gamble, the insurance company bets you'll pay more than you'll claim, you bet you'll claim more than you pay.
Of course routine and elective treatments aren't covered, any more than car insurance or AA breakdown cover covers the cost of servicing or MOTs, both essentials, or house insurance covers routine maintainance!
The people who profit most from insurance are not the owner or the vet but the commercail insurance company, or they would no longer offer it!
As for offering treatments for insured animals knowing the owner won't be paying, several excesses operate on a % basis so yes, often the total bill does affect how much the owner pays.
Private vets, as opposed to charities, are precisely that, private medicine.
What does the purchase price of a dog have to do with the cost of the operation?! Does it cost the vet any less, or take any less time or skill to do a spleen operation on an ex-rescue mutt than a pure-bred pedigree?

What do you suppose a private human spleen operation would cost? I expect it would be very much more than £600!
It is not that owners without insurance are bad owners, but owners who take on pets without properly budgetting to care for them that are bad owners (in some cases), pets are a priviledge, not a right.
People need to either put sufficient funds aside to pay for treatment, or to pay insurance premiums albeit people's circumstances can unexpectedly change throughout an animal's lifetime and the charities are a godsend in those circumstances.
I find it astonishing that the article's writer's answer to many situations seems to be to put the animal to sleep! Each case needs to be considered individually and the owner can them make an informed choice having been given the appropriate information for different options.
As others have said this article is poorly written, very poorly researched and deliberately sensationalist to help promote and sell a book.
An alternative angle to fleece trusting pet owners maybe?