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October 06 And now for the anger.........I am really struggling to come to terms with losing my beloved Rocky, maybe because it all happened so quickly and unexpectedly, I don't know, but I am finding it really difficult adjusting to a very quiet house without him.......
 But I am also starting to feel angry!!!!!!!
 Why??????
I thought that by having pets insured, meant that if, or when any unexpected treatment was needed, then the insurance would take away all the worry and stress of having to find money for vets fees, so that you could concentrate on getting your furry little family member all fixed and well again.
How wrong I was!!!!!!!!
On our first visit to the vet on Tuesday, after Rocky had the first seizure, I had to pay £80 as soon as the consultation was over. This was a bit steep, as I'm skinter than skint, but I had my car tax money, so I used that. (So could only put 6 months tax on instead of my planned 12, but hey-ho, as long as my dog was ok, I could live with that.)
Anyway, as the night wore on, and Rocky was becoming more seriously ill, at midnight, I had to call the emergency vet and ask if I could take Rocky over.
The first thing the vet said to me, was that there is a £130 call out fee, plus administration fees and charges for any medication/treatment that may be needed, and that I had to pay this on my visit!!!!!!
I was already past myself with worry over my seriously ill dog, and I just got a whole lot worse, as I said I didn't have that kind of money available, and all I want is for someone to take care of my dog!!!!
So the next thing the vet asked, was if Rocky had insurance, to which I replied, yes he does.
I was only allowed to take Rocky over as long as I took my insurance policy and my latest bank statement to prove that I am making regular payments on this policy, and I had to take ID, then the vet would just make a direct claim on the policy, but I still had to pay the £60 excess there and then!!!!
So in my distressed state, I had to find all these documents before I could get my dog the care that he needed!!!!!!!
 I thought that vets were supposed to have a love of animals and want to take care of them!!!???!!!!!
To make things worse, when I was called over to my vet on Wednesday morning, after my vet explained how ill Rocky was, she said that the emergency vet had told her that I had problems with finances, and this may have an affect on the treatment that she was able to give Rocky, as they didn't do direct claims, and I had to pay all fees up front for any treatment received!!!!
Unfortunately, Rocky became so ill that the scans that she was planning wouldnt have helped anyway..........
After I signed the consent form for her to put Rocky to sleep, before I could go in to be with him, she asked me about the cremation etc, and said that she couldn't authorise this until all bills were paid in full, and as I was in too much of a state then, she would send the invoice out to me in a day or two!!!!
I got the bill on Saturday, and the outstanding fees were £137....
 So after a bit of juggling with my bills, and robbing Peter to pay Paul, I managed to get £150 into the bank to settle the bill as soon as I could so that I could bring Rocky's ashes home.
Yesterday, after work, I went straight over to settle the bill, and I took an insurance claim form, to try and get some of the fees back, only to be told that I will be charged another £24 admin fee for the vet to fill out the section detailing all treatment and medications!!!!!!!
Then after paying more than I expected to have to pay, I asked about his cremation, and was told that it was an outside company that will collect his body on Thursday, and return his ashes the following Thursday, and they will bill me separately!!!!
WTF?????
Nobody told me that I needed yet more money!!! I was lead to believe that it was all included in the final bill!!!!!
So now I have to find another £100 to pay the Pet Crematorium!!!
I am still in shock at losing Rocky, now I have all the added worry of not having enough money to pay bills, and Im stressing about christmas being around the corner!!!!!!!!!!!!
So, all the bo**ocks of being told that insuring your pets take away the worry of vets fees is a load of old bullsh*t!!!!!!!
And so much for vets "caring" about animals, all they care about is getting as much money as they can from you when you are distressed!!!!!!!!
If ever I came to a point of being able to get another dog, I would have to seriously take into account finances, as I have learned the hard way that insurance is not necessarily a guarantee of peace of mind!!!!!!!! |
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