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Alexia Wilson

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Review of the ManyPets, Pet insurance:

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as a vet, I'm well aware of the potential costs of owning a pet...

I wasn't sure if I could afford pet insurance; this insurance bridges the gap for me. I called them to quiz them against all the problems I flag at work every day where insurance claims aren't covered, or people think they've got a product they don't, or worse still that they're priced out of their 'lifetime' policy within a few years. I didn't find anything I wasn't happy with and seemed fair (disclaimer - you need to read all of the documents to make sure the products are right for you - they may not suit everybody). £15 per cat (they're very young, BBM don't do vet discounts) sounds like a lot of money, but that's £360 for peace of mind for my two cats for a year. Likely (hopefully) I won't have to use it, and of course it will get more expensive each year as it gets more likely that I will. Seems fair to me. When I have to tell someone who expected me to retrieve a grass seed from their dog's ear for the price of a consult that actually, I need to sedate and with medications and rechecks it is likely to cost around £350, they're shocked. They consider not doing it, but they 'don't really have an alternative - their dog is in pain and the eardrum could perforate, then treatments are in the high hundreds to thousands. So they feel angry, and that's directed at me. Next step up, an owner who expects a £100-200 bill that that retrieving a grass seed from their dog's nose (of course it will likely be a sedation or GA, they understand that) - but its actually going to cost between £600-1000 (because we need to consult - assess the likely causes of the discharge from its nose and general health, then anaesthetise with a nurse who monitors your pet throughout so I can focus on my job, put a scope that cost our practice £10-20k into the nose of your dog, and then into its mouth and flex it around to see the back of the nasal passages.. If we can't see anything, pack its throat and flush aggressively to dislodge anything we haven't seen, get samples of this or biopsies of abnormal tissue to send for analysis, take xrays to look for something 'more sinister', give medications for comfort after the procedure and rechecks to ensure all is ok before we sign off - then have to send you for a £1200 CT if we're still not sure what we're dealing with - that's without treatment of course, which is likely to be at a specialist centre (£2000-6000 if we're at this stage) 7/10 owners will struggle to find the cash on the spot for the initial work up, especially knowing it may only be the first stage. How about that little 'nothing' lump you found? we want to take a conscious needle aspirate so we can send some cells to the lab to have it analysed - to get more information so we can plan for the best surgery, which means bloods to check your animal is healthy for an elective surgery and fluids to assist under anaesthetic, the general anaesthetic and a nurse to monitor, the theatre, the sterilising of the equipment, the surgery itself, the lab fees to confirm a diagnosis, medications to go home and the aftercare checks... totalling just under £1000, without insurance, for a lump you weren't even worried about? seems a little steep... but what if THAT'S the lump that kills your dog? That's what insurance is for. Its to take 'the money' out of the equation for you, so you can work with your vet to make the best choices for your pet. Reviewed on: 16th September 2020

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