In reply to crustypunkuk:
First, poor little Maisie, I hope she gets better and you have many more years of romping about with her.
I couldn't comment except to say that I had to pay up front and then claim back....despite 5 years ago paying £30 a month insurance, I got very little back. Amazing what the exclusions apply to...including, at the end, the euthanasia. They wanted to dispose of Teal too ( with no doubt another charge) I ordered them to give her back to me. One or two of you on here will know that I was then able to say a proper goodbye to my girl and bury her properly.
From that point on I vowed to put a little bit away every month and take the hit if anything happens to Cookie, my current pooch. Luckily I am in the position of being able to raise credit if the bill is huge, but this is all something I thought out before getting Cookie and deciding not to have her insured. I know this doesn't help your present circumstances, so I would reiterate previous advice and to check out your policy and get straight onto the ins co and vet to see what can be managed. The vet may be able to advise re PDSA.
Two days ago a neighbour (on benefits) came with his dog for a lift to the local vet (I am fortunately for them on leave this week) and the first vet indicated it would cost a 4 fig sum to sort out a nasty full break to the dog's lower leg (she stumbled down 2 steps!). Eventually they referred Danny to the PDSA so we trollied in to the town (where I work! The very place I bloody wanted to avoid what with petrol prices etc!) for a consult at the PDSA. We were back this am to drop the pooch off for her op and will be picking her up again later.
Despite Danny getting free lifts, free vet care etc he is still whinging though! I hope he seriously has a thought about having dogs at all if this is the case (especially as twice now I have been tapped up for dog food when they ran out of cash). And they have got 3!
Anyway, best of luck with Maisie, do please let us know how you get on.
Sx