Pet Insurance

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mazdajason

Original Poster:

1,113 posts

178 months

Monday 17th August 2015
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All I can say is thank goodness we have it.

Grab a brew, this is slightly long.

When we collected Sterling as a kitten he had a blocked nose and a bit of a cold. He would sneeze a couple of times a day and blow snot bubbles so we got some liquid medication to gave him. Didn't really clear it but he was too small to take the tablets. As he got slightly bigger, so did his boogers. Human sized on some occasions and it always looked like his nose was bothering him. So 3 weeks ago we took him back to the vet and they started him on some tablets with these sorting him right out. He now sneezes maybe once every couple of days at the most.

Fast forward to last Monday and he seemed odd, was a bit wiped out and lethargic so my wife took him to the vet. They gave him an injection of Medicalm (i think?!) and half an hour later he was back to normal. The rest of the week passed as normal then Friday he seemed really down and lacking energy again.
Saturday morning came and he was ok, eating and drinking a bit whilst still using his litter tray too but he was very warm and shivering, like a human with the flu. So due to the time he had to be taken into the Emergency Vet on Saturday after becoming extremely docile, not wanting to play and not being able to walk properly. At first the vet thought he was just dehydrated and ran some bloods with his white cell count coming back as high but all the others within the tolerances. They wanted to keep him in for a few hours and put a drip in him so we left him at the Vet. We phoned back about 7pm on Saturday and he wasn't any better. Hadn't eaten or drunk much and just generally unhappy. They shaved his belly and gave him an Xray to check for fluid and it was all clear so asked to keep him in overnight which we obviously obliged with.

Sunday. We phone and say we will be along to see him about 10am. Sterling is not better, if anything, worse in my eyes. His third eyelid is well up but he did eat a handful of pieces of fresh chicken from us. Vet said he had perked up overnight but then dived around 2am again and wanted to keep him for observation Sunday and probably Sunday night too. Gulp.
The vet started speaking about what he could have and it is pointing towards Kalici (spelling?) virus but it could be FPC or FCV but without the tests coming back yet they can't determine exactly what it is.

Today. Back to the Vet and we can take Sterling to our normal Monday - Friday vet. They are expecting him and he goes straight but what's this... he has perked up. Hmmm so we play with him, he rolls on his back being all playful but our vet still want to keep in him for observation today with the view to us getting him home tonight but this happened last week so maybe we should ask the vet to keep him overnight again.
We need to get these test results back to see what it is he has though.

We've been in touch with the breeder and told her to contact the other owners in case it is a virus that is just showing itself now.

So how much for all this so far? Just north of a thousand pounds for around 36 hours of care, treatment and accommodation. We've only had him 10 weeks and paid 2 monthly installments. I'm just glad we didn't go for the cheapest amount of cover as that would be V close to running out if we had.

Get your pets insured folks! I shall report back later today or tomorrow with an update.


bexVN

14,682 posts

217 months

Monday 17th August 2015
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Very sensible to get those viral tests done. My cat suffers calici with added mycoplasma and pseudomonas for a bit extra, she has been on off with it for years, practically every med tried on her (Inc very expensive anti virals) she has an inhaler (a few recommend nebuliser but haven't done that yet).

She started off with acute illness (high temp, not eating etc)
And yes I am also thankful for insurance!!

Hope things improve soon

mazdajason

Original Poster:

1,113 posts

178 months

Monday 17th August 2015
quotequote all
Cheers Bex,

Away to collect hi mat 6pm and he will spend the night with us to try get some food into him then back to the vets tomorrow for more observation.

Mobile Chicane

21,117 posts

218 months

Monday 17th August 2015
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That 'breeder' wants shooting, imho.

Calicivirus is contagious, but there are simple precautions to prevent transmission.


bexVN

14,682 posts

217 months

Tuesday 18th August 2015
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Calicivirus is widespread throughout the cat world. Breeders can help reduce it but there are thought to be many undiagnosed carriers around. They should also ck for herpes virus and bronchiseptica all three cause similar symptoms.

Edited by bexVN on Tuesday 18th August 00:17

IainT

10,040 posts

244 months

Tuesday 18th August 2015
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mazdajason said:
Get your pets insured folks! I shall report back later today or tomorrow with an update.
Top advice - and decent insurance that covers the pet for life.

Our little girl-cat Lily is just recovering from the first of her two operations to fix luxating patellas on her hind legs. Cost per op including meds, etc - just over a grand, £750 for the surgery alone. Once it's all over her quality of life will be significantly improved and she shouldn't develop further arthritis. She's 4.

Hope your puss gets well soon Jason!

mazdajason

Original Poster:

1,113 posts

178 months

Tuesday 18th August 2015
quotequote all
So picked him up last night. Much better but that's because he was off his tits on drugs! He ate a very small amount and had a bit to drink but did use his litter tray. Wife slept in the lounge with him for observation and said he just zonked out after 10pm but never ate anymore. So, back to the vets today to be syringe fed and we will get him home tonight again.

Really wanting the test results to come back asap so whatever he has is diagnosed.
Breeder is aware and depending on what the tests come back with depend on where we go next. Fingers crossed Sterling is ok though.

mazdajason

Original Poster:

1,113 posts

178 months

Tuesday 22nd September 2015
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Soooo apparently insurance isn't worth the paper it's written on. On Thursday we received a letter from our insurer stating they would not be paying out 2 claims (totaling circa £1600). As it was apparently a 'pre-existing condition' because we took him to the vet within the first 2 weeks of getting him for this blocked / snotty nose. They traced all this back to Calici Virus and the fact it could have all been related. It also says in their small print that said insurer will not pay out for any treatment within the first 2 weeks of ownership so we don't have a leg to stand on sadly.
Then the following day (Friday) we made the tough decision to have Sterling put down. His condition had not improved and he had gone back hill. On Friday he went all quiet and lazy again, didn't want to play, was really quiet and just wanted to sit so we booked him into the vet for a check and he started making these horrible noises so we took him immediately. He made the noises again in the vet and they said his immune system was starting to give up. He had spent most of his 3 months with us on drugs and it had either made his immune system worse or in future he would be so poor against infection we had to put him and ourselves out of pain. He was given methodone to calm him and we were able to hold him one last time before we left.

We've been in constant contact with the breeder and kept her updated. We don't know whether it was bad luck or something he picked up from his litter but we are devastated.

Couple of pictures of Phabbay Roger Sterling to give him his full name...




bexVN

14,682 posts

217 months

Tuesday 22nd September 2015
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Oh no, I am so so sorry to hear this just terrible frown. Rip little one.

The insurance is a sickener I didn't realise he'd been treated within the two week time frame, I am doubly sorry your vets did not warn you of this.



IainT

10,040 posts

244 months

Tuesday 22nd September 2015
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Very sad - such a cutie!

moorx

3,794 posts

120 months

Tuesday 22nd September 2015
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So sorry to hear of your loss frown

RB5Bird

502 posts

201 months

Tuesday 22nd September 2015
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So sorry for you. Such a handsome little cat, I've actually got tears in my eyes. angelangelcryangelangel

mazdajason

Original Poster:

1,113 posts

178 months

Wednesday 23rd September 2015
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Thanks for the kind words everyone.

Wife has emailed a breeder about a British Blue which we might go and have a look at this weekend. She wants another kitten as soon as possible, can't blame her - the house is so quiet now.

Mexican cuties

727 posts

128 months

Thursday 24th September 2015
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If you can go though a breeder that will send your new kitten on its way to you with a free insurance, think gccf do that via agria, then as long as a condition is covered in the four week free policy, as long as you carry on the annual policy with no break, then they would cover the condition for life God forbid something else happened!

Such a lovely kitten, don't touch a 12 month cover per condition with a barge pole,

Hope you have a new arrival soon


bexVN

14,682 posts

217 months

Thursday 24th September 2015
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Mexican cuties said:
If you can go though a breeder that will send your new kitten on its way to you with a free insurance, think gccf do that via agria, then as long as a condition is covered in the four week free policy, as long as you carry on the annual policy with no break, then they would cover the condition for life God forbid something else happened!

Such a lovely kitten, don't touch a 12 month cover per condition with a barge pole,

Hope you have a new arrival soon
yes great advice and info here.