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Thread: Cut repair 200 per inch

  1. #1

    Cut repair 200 per inch

    Busy doing a shed when my wife called me over. She had been out with the dogs playing with a ball. Dodger had ripped a v shaped gash under his bottom lip. It would be about an inch in total but the point was sticking out. It was obvious a stitch was needed. Well with anasetic, pills etc the bill came to 223. The insurance should pick up the bulk but we still have the 80 excess, Jim OUCH

  2. #2
    Was that out of hours?

    Section 161 of the Highways Act 1980 (England & Wales) makes it an offence to discharge a firearm within 50 ft of the centre of a highway with vehicular rights without lawful authority or excuse, if as a result a user of the highway is injured, interrupted or endangered.

  3. #3
    Quote Originally Posted by jimbo123p View Post
    The insurance should pick up the bulk
    I sometimes wonder whether health insurance, animal and human, has caused the the practitioners of those disciplines to reset their own perception of their market value in accordance with the rates offered by the insurers: thereby making sure that without insurance, no-one can afford private medical/dental, or vet bills.

  4. #4
    Quote Originally Posted by Dalua View Post
    I sometimes wonder whether health insurance, animal and human, has caused the the practitioners of those disciplines to reset their own perception of their market value in accordance with the rates offered by the insurers: thereby making sure that without insurance, no-one can afford private medical/dental, or vet bills.
    I would say not. What has happened is it has pushed the advances in Veterinary Medicine very rapidly forwards. What that means is now compared to 20 years ago 'specialist' centres are available within a reasonable commute of most owners. Animals that would have just been put to sleep 20 years ago are now perfectly 'fixable' and even able to go back to work. Some of the complex orthopaedic operations (hip replacements, new stifle joint stabilisations, complex fracture repairs) would not be available to anyone if it wasn't for pet insurance.

    What it means is you, as a dog owner, now have a choice. You can have everything possible done for your pet, spend tens of thousands of pounds of your or the insurance companies money or you can have the beastie patched up and put to sleep if you can't afford the specialist care. You have to remember that there is no NHS for pets, every time you see a vet it's private health for pets. Rightly so the standards are being pushed up by client perception, legislation and progress. I wouldn't want my dog having an operation on the consulting table with no oxygen to breath just an IV injection and a kit used on multiple animals. There was a time that may have been acceptable but not now.

    When vets ask the question "is he insured" it's not a case of seeing how much money we can possibly spend, it's a case of doing the best for the patient. Sometimes I will run a more comprehensive set of blood tests for an insured dog (no benefit to me financially, we sell lab fees out at cost) and I get all the information at once. In a dog where money is an issue more basic tests can be done and if no answer add more tests later. This causes a delay in reaching a diagnosis. The reason I like insured pets is the fact that we can get on and do the best for the patient rather than constantly worrying about how much will everything cost. Equally with insured pets we can more easily refer them elsewhere for more specialist procedures and get them better faster!

    What you have to realise is you can't have a gold standard service on bargain basement prices! If you don't have a bit of money in the bank to pay if your pet becomes ill, then you ought to take out insurance. Owning a pet is a privilege, not a right.

    Section 161 of the Highways Act 1980 (England & Wales) makes it an offence to discharge a firearm within 50 ft of the centre of a highway with vehicular rights without lawful authority or excuse, if as a result a user of the highway is injured, interrupted or endangered.

  5. #5
    Quote Originally Posted by Apache View Post
    What it means is you, as a dog owner, now have a choice.
    Yup.
    Pay 223 for a super high-tech veterinarily-advanced suture, or buy some insurance and pay only 80 on top of the premiums.

  6. #6
    Quote Originally Posted by Dalua View Post
    Yup.
    Pay 223 for a super high-tech veterinarily-advanced suture, or buy some insurance and pay only 80 on top of the premiums.
    Not getting into a slanging match, but consider a few things. The cost of the suture itself is almost irrelevant. What you are (potentially) paying for is a number of highly trained individuals to be at your beck and call 24 hours a day 366 days this year. You are paying for the provision of an anaesthetic machine, hundreds of different drugs sat there so that the correct anaesthetic, sedative, painkiller, reversal agent, emergency drugs are available should you need them. I imagine there was someone to answer the phone and greet you, at the heated premises. You are paying for surgical equipment to be there, sterilised and ready to be used. You are paying for the other drains, dressings and implants that may be needed. You are paying for the staff to keep up to date with new techniques (vets have to spend a minimum of 5 full days a year doing extra study). You are then paying for the waste produced from the operation to be disposed of*. You are paying for the recovery kennels and the nurses checking on the dog.

    It's costs a hell of a lot of money just to keep the doors open, before we do anything. There's nowt fancy about that suture, but there's a hell of a lot behind the scenes that go into it.

    *after a simple operation off the top of my head I will generate at least 5 different types of waste that all have to be disposed of separately - at a cost.

    Section 161 of the Highways Act 1980 (England & Wales) makes it an offence to discharge a firearm within 50 ft of the centre of a highway with vehicular rights without lawful authority or excuse, if as a result a user of the highway is injured, interrupted or endangered.

  7. #7

  8. #8
    Took the words outa my mouth Trouble

  9. #9
    Buy some sutures of the Internet and then go to sewing classes, I prefer the running stitch personally

  10. #10
    Actually after an attempted blatant rip off by a certain pet insurer i am very wary of them.. My Staffordshire walked through something which effected her pads which resulted in repeated trips tot eh vets for treatment. it would subside then flare up again a month of so later. The insurer decided to not only treble the premiums but alter the excess to just enough that the monthly treatment bil came to just below the new excess.

    So not only did I get to pay three times as much premium but I also got to pay for all the treatment. When I pointed this out to them they said tough. Basiclly they wanted owners who never use the insurance just pay up all the time... You can guess what my answer was. I still have the letters etc and funnily enough the other week they cold called wanting to know if we wished to take up their special offer cover. I told them NO as I don't trust them and explained why their response was :-

    O we wouldn't do that.

    A friend had to threaten court action with another pet insurer to get them to pay up. They had had the policy running for years but when they needed to claim the company refused to pay. He now puts money into a savings account each month instead.

    The Staffordshire I have now they wouldn't cover as he is 15 and so too old anyway. If they got their acts together and stopped ripping us off i am reconsider but until then no way hose.

    Huh I still have the letters and the new policy they sen through telling me they did do it.

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