Pets belong to the family and are the owners’ everything. If they are sick or injured, the owner is also affected, of course, in two ways: emotionally and financially. Marianne and her tomcat Sammy, who has been diagnosed with kidney disease, feel the same way. Sammy has to be operated quickly. Marianne is desperate, because she has not planned for the high veterinary costs. She has no money for the necessary operation and aftercare. Here you can find out how Marianne can help her cat after all.

Marianne and her tomcat Sammy – they are like Petterson and tomcat Findus, like Karl Lagerfeld and his cat Choupette. They are simply inseparable. As an editor Marianne often works in the home office and can spoil her Sammy on the side. If her budget allows it, even a juicy salmon filet ends up in Sammy’s bowl. To thank him, he warms Marianne’s feet when she sits at her desk and files an article.

 What do you do if your pet suddenly falls ill?

Apart from a slight cold, Sammy has always been in perfect health. But in the last few days he has changed enormously. He lies sluggishly on his pillow and Marianne’s attempts to cheer him up hardly interest him. Only from time to time he gets up to visit the litter box. Nevertheless Marianne has to clean it much less often than usual. When Sammy leaves his beloved salmon fillet behind, she makes an appointment with the vet.

 First aid at the vet

Arriving at the veterinary practice, Sammy is thoroughly examined. His blood count is fine. It’s only the x-rays that show the problem: a urinary calculus. It could make Sammy’s condition worse. Since the urinary stone makes it almost impossible for Sammy to urinate, kidney failure is imminent. The veterinarian therefore strongly recommends surgery to remove the urinary stone.

Obviously surgery is inevitable. Unfortunately Marianne cannot afford to pay for the operation from now on. Already the preliminary examination has cost her 120 GBP, the actual operation will cost about 500 GBP according to the cost estimate. And since Sammy will need several days of inpatient treatment after the operation, the whole thing will be even more expensive.

What are the costs at the vet’s?

The costs for veterinary treatments are based on the so-called “Fee schedule for veterinarians (FSV)” (fee schedule for veterinarians). This is a nationwide valid legal regulation, which specifies a fee range from a single to a triple rate. These are not fixed prices, but case-related price ranges. In specialized clinics in the city, the fees are usually higher than in practices in the country. Other criteria for increasing costs, such as medical reasons, time spent or special circumstances, such as emergency services, are listed in § 2 of the FSV.

Exemplary costs for interventions, without value added tax:

  • General examination: 8.02 to 24.06 GBP
  • Injection anesthesia: 17.18 to 24.06 GBP
  • castration (female): 51,54 to 154,62 GBP
  • castration (male): 17,18 to 51,54 GBP
  • Operation (simple fracture): 171.80 to 515.40 GBP
  • Operation (difficult fracture): 343.59 to 1030.77 GBP
  • Tumour surgery (single): 34.36 to 103.08 GBP
  • Tumour surgery (difficult): 103.07 to 309.21 GBP
  • Tartar removal (simple): 20.05 to 60.15 GBP
  • Tartar removal (difficult): 40.08 to 120.24 GBP

What are the options for financing a pet surgery?

Marianne is weighing her options. She decides to ask her veterinarian for a monthly installment. She has no legal right to do so, but as you know, it costs nothing to ask. Maybe the animal welfare organisation that brought Sammy to her seven years ago will help her?  In connection with the Tafel für Tiere, Marianne has also heard about veterinarians who operate voluntarily and do not ask for money.

Unfortunately, the vet treating her insists on a one-off payment. In the past, she has offered animal owners a deferral of the veterinary costs and has unfortunately been left with no money. For this reason, she rejects the proposal of a deferral of treatment costs. Also the animal welfare association, which is financed by donations, needs the money to care for its own animals.

What next? Marianne is really desperate. Time is running out and Sammy is getting worse. Finally she even asks friends and family to lend her the money she needs. But even here she fails. Nobody has the 1,000 GBP that Marianne needs for the vet left. But her friend Anja has a tip for her.

Anja has a hangover herself and a few years ago he had complicated fractures after he was hit by a car. The veterinary surgeon costs amounted to a total of 3,000 GBP. At that time she decided to use an Credit company with account view. Marianne can complete this online in just 10 minutes from the comfort of her home and without any paperwork. Another advantage: She had the money in her account on the next working day at her free disposal.

The Credit company with account view

  • Credit amount from 1,000 GBP to 25,000 GBP.
  • Term 12 to 84 months (with a minimum monthly instalment of 20 GBP)

With Credit company you can easily complete your credit online in just 10 minutes. Everything you need to do so: A salary current account with online banking, a valid identity card, a laptop with webcam and a mobile phone. You choose your desired amount and off you go.

Detailed information on Credit company with account view is available in our blog article “Credit company with account view – everything at a glance”.

Take out a loan for a veterinary bill?

Marianne is sceptical at first. On Credit company website she will inform herself in detail after the conversation with Anja. Sammy can no longer wait for his surgery. And with an Credit company with account view she has the money quickly on her account. And that is exactly what is most important in the current situation. In only 10 minutes Marianne has completed her Credit company and the money is already on her account the next working day. After receiving the money, she immediately makes an appointment for Sammy to have an operation. She is also impressed by the flexibility that an Credit company offers her.  In case of a financial bottleneck, she can suspend the monthly installments or reduce her contribution. She can do this very easily via the Credit company customer portal. Here she can also find a personal account overview and, in addition to free account statements, interest certificates and repayment schedules, she can also obtain information on the redemption amount.

Sammy is brave and fortunately can tolerate the anaesthetic. The veterinarian can remove the urinary calculus. From now on Marianne has to pay more attention to the little rascal’s diet: Dietary food and lots of drinking are the most important measures to prevent the formation of urinary stones again. Marianne is happy to have good old Sammy back. He is still a bit resentful about the new food – food is only eaten when the hangover stomach really growls. In contrast, the new cat fountain is his absolute highlight. Not only does he like to play with the water, he also drinks more.