Help! Injured cat and no pet insurance!

foreign_correspondent

tori.k wrote: »

As i said FC i know its wrong, but my heart goes out to the cat and their is no guarantee that the RSPCA wont just put the cat down...us like you got insurance done the day i inherited my girl,even tho we couldnt really afford it at the time as better be safe then sorry,
but the horse already bolted in the OP case.
the PDSA needs to be means tested better as all on a low income not just those that get benefits, if you dont have children and own property your pretty much screwed.
im sorry if i offended you but will have to agree to disagree i wouldnt care how wrong it was if mine needed treatment they would get it....
i will go sit in the naughty corner now....

It's not about sitting in the naughty corner, but it is fraud and illegal whatever you think about the ethics of it. What if the cat needs a second op, more treatment etc..? no insurance would cover this now anyway as a pre-existing condition. Will the OP be able to cover this? What if they get caught defrauding?

you say:
"the PDSA needs to be means tested better as all on a low income not just those that get benefits, if you dont have children and own property your pretty much screwed."

well, you have just described my situation exactly... and as I said, I would sell the TV, the computer, any valuables, before I would start defrauding charities of money donated to them by people who support their aims.

dieselhead

We don't know anything about the OP's circumstances, but if she is working I would guess that she is in a good position to get a small loan, an overdraft, or credit in some form or another, yes it will cost her a bit more in interest, but if you don't have the cash up front then thats just what will have to happen.

If you have no income then I suspect getting and paying back credit in this situation would be virtually impossible (or at least it should be!) and thats why charities exist.

So I really think the OP needs to explore her financial options through the normal channels such as the banks, or a credit union, I would think that the cat will be in the vets for a few days so hopefully she should be able to get the money together. I know suggesting getting into debt on a site dedicated to good money management is not ideal, but hopefully if she is working she will be able to repay the money.

retrocircles

Agreed. If you are working, a bank will lend you the money in this situation, in most cases.

Kavanne

retrocircles wrote: »

Agreed. If you are working, a bank will lend you the money in this situation, in most cases.

Haha when did banks become sympathetic!? A bank won't lend money just because you say your pet needs surgery. You still need to pass credit check/credit score/affordability!

DaisyNelson

PDSA does in a way means test who gets treatment for their pets. Owners need to be in receipt of either Housing benefit or Council Tax benefit. This means they must have a low income. Not much help,of course if you are just above the level to claim one of these benefits, but as a charity ( without any government funding) they do not have unlimited resources.
Hope you find a way to get your cat treated, it must be very distressing.

retrocircles

Kavanne wrote: »

Haha when did banks become sympathetic!? A bank won't lend money just because you say your pet needs surgery. You still need to pass credit check/credit score/affordability!

Well OP states she has a job.
OP doesn't appear to be a frequent poster on here, so possibly debt free.
An average person, the impression I get from OP, would easily get a credit card, temporary overdraft or loan from a bank in an 'emergency' situation such as this.

marshallka

retrocircles wrote: »

Well OP states she has a job.
OP doesn't appear to be a frequent poster on here, so possibly debt free.
An average person, the impression I get from OP, would easily get a credit card, temporary overdraft or loan from a bank in an 'emergency' situation such as this.

How can you assume that someone working CAN get a loan? Some people work rather than claim benefits but have other reasons as to why they cannot get credit and also not everyone in debt uses this site for help. We are in a recession here and banks have far stricter criteria for lending money. And loans NEED paying back too.

Let us know what you have done OP and really hope and pray your little puddy cat is ok.

Froglet

And all the while this poor cat is suffering with a broken hip...would be kinder to have it put to sleep than leave it until some money comes along................

Yes that sounds harsh but what is the op going to do if she can't find the money.Leave it?

lowis

i really want to know how the poor cat is doing...

Shoshannah

marshallka wrote: »

We had two doulton figures when ours was run over as a kitten and had to have its leg pinned to his hip. It was only in the 100 pounds though but was going back 20 years. I am having the same problems now with my dog. I hope you find the money for it. Its a problem isn't it that you are only helped on benefit. In my parents day and age no-one had pet insurance but then again vets did not charge as much then.:mad:

Call themselves animal lovers, more like "money" lovers in my eyes some of them. Some of us had insurance and during this credit crunch HAD to cancel along with other insurance too just to keep the roofs over our heads. Its only the same as with kids etc. Sometimes its through no fault of our own and it due to circumstances beyond our control.

I love animals. I also have rent and bills to pay, just like everyone else on here. Until we have an NHS for animals, people will just have to accept that they have to pay for their animal's treatment, or arrange for an insurance company to do it for them.

I do not own any pets myself because I cannot afford to look after them properly.