Insurance has saved the lives of many Irish pets - buy pet film
Dandan started drooling shortly after dinner.
He looked more and more uncomfortable. at nine o'clock P. M. , he was in serious trouble and repeatedly retched.
His abdomen seemed to have swollen, as if it had been inflated by a pump.
When his host called the emergency vet, she was able to make a diagnosis over the phone: "It sounds like a stomach twist: can you bring him to us right away? "Stomach twisting is one of the most serious problems a pet may encounter, and is most common among large breeds of dogs.
Because the gas produced by the digestion process cannot be discharged, the stomach begins to swell.
As the swelling progresses, the pressure inside the abdomen is increasing, disrupting the flow of blood around the body.
Urgent action is needed to save the dog's life.
This means strengthening medical intervention, intravenous fluids and other drugs, and then performing a major operation to open the stomach.
Torture seems to happen more often at night, and even if everything is done in the best way, many animals cannot survive.
When Dan arrived at the emergency vet, he was immediately caught behind the scenes, surrounded by a team of vets and nurses.
The work to save his life has begun.
At the same time, his host had to finish the paperwork with the receptionist.
As part of the routine procedure, estimates were made for the expected cost: his surgery could be performed between midnight and four in the morning, hiring the surgical team for the most expensive time
The bill is estimated to be far more than 25 euros.
Dan's owner looked at the estimate and breathed a sigh of relief: "Thankfully, I insured him ".
The bottom line is that because in the last three years he has paid less than 30 euros per month, pet insurance will pay the full cost of Dan's treatment of stomach twisting, minus 100 euros in nominal excess.
Pet insurance may have saved Dan's life that night: if he hadn't been insured, many owners would have to make tough choices to put him to euthanasia.
Many people just can't come up with thousands of euros for such a crisis, especially when there is no guarantee that animals are still alive at the end of a long night.
Pet insurance has had a huge impact on the lives of many animals.
The principle is simple: you pay a small sum of money to the insurance company every month, if your pet is unfortunately seriously ill or an accident, this insurance covers the cost of the bills of the vet.
About twenty years ago, pet insurance was only recently introduced in Ireland, but it has been popular in other countries for many years.
The concept began in 1924, in Sweden and even now, the country is a global leader in pet insurance, with about 50% of pets in the country covered.
The UK is the next big open market, but although the first policy was set in 1947, the market penetration rate remains at 20-
25% of pets.
It's hard to know what percentage of pets are in Ireland, but probably at 10-
Dogs and Cats 20%.
This may not look much, but its price is high compared to many other countries: Pet Insurance has never taken off extensively in the United States, and it is estimated that the number of pets is less than 1%.
In recent years, however, pet insurance has fallen victim to its success.
When the pet is insured, the cost of treatment is not important to the owner.
This means that people are able to get a higher level of treatment for their pets than most people can afford without insurance.
The veterinary industry provides advanced care, including diagnostic imaging (
Such as MRI and CAT scan)
And specialist surgery (
Such as cardiac pacemakers, joint replacement surgery and even "super veterinary" artificial limbs).
This is life.
It's expensive to change things.
Guess because "insurance companies are paying" there is a direct impact on the other end of the equation: pet insurance premiums have been rising.
When pet insurance is first introduced, you can insure dogs or cats for less than 10 euros per month during the animal's life cycle, even if they are sick and suffer from chronic diseases for a long time.
Today, the high claims that insurance companies have to pay have had an impact.
While it is still possible to buy pet insurance with extremely high value, many people find that the monthly premium is already too high and they can no longer afford to cover for pets.
The pet insurance industry is dealing with this challenge in many ways: it is easy to get competitive offers from different companies.
As with all insurance products, it is important to read the details of the policy: if it is not paid when you need it, it makes no sense to buy cheaper insurance, because the problem with your pet is excluded for some reason.
Dan survived that night for two reasons: first, the vet treated his skills, and second, the vet fee for his host was covered by pet insurance.