Looking on as an outsider and owning no pets, I will give my observations.
A while ago, I gave my sister, who has no transport, a lift to the local Vets. her cat was rather I’ll, and completely off its food, this was during Covid and so we stayed in the car, not being allowed into the practice, we suspected it had to be put down, it was 11 years old, she had been previously been phoning the vet for an appointment.
After 20 minutes a female vet came out and collected the cat in its cat basket. she then took it inside for examination. After about 15 mins she returned and said they couldn’t really find anything wrong with it. I asked what my sister was to do?
The vet then asked if the cat had insurance, the reply was yes, to which the vets attitude changed totally. She said they could take the cat and transport it to another linked out of hours vets and monitor it overnight.
It was 4pm. By 11pm my sister received a call saying they had carried out a host of tests and the cat needed to be put down, they had conveniently managed to run up a near £800 bill in the process!
My sister had 3 cats, in my experience of this and a few other occasions, once “insurance” is mentioned, many of these practices jump on this to carry out scans, blood tests, injections etc etc to deliberately inflate the bill.
She was told that they could carry out chemotherapy on one 13 year old insured cat suspected of having cancer!….. she declined. I wonder how much money they would have made out of that pointless course of treatment, prolonging the cats misery in the process no doubt.
She has changed vets but found that as they are all corporately owned, they basically do the same thing. Their main aim seems to be, to make absolutely as much money as possible.