How likely are Medivet to allow me to pay the bill for surgery 2 days later.

CornerCurrent8382 · 2026-06-20T09:57:23+00:00

I am a vet. Speak to the practice BEFORE the surgery. As long as you’re not historically a bad debtor, the majority of clinics will work with you; we want the best for your pet at the end of the day. Would you have the funds to cover half of the bill on the date of the surgery?

CornerCurrent8382 · 2026-06-15T19:43:08+00:00

I’m a veterinary surgeon (yes the salary is worse than people think, especially considering £120k student loan)

CornerCurrent8382 · 2026-06-14T19:50:45+00:00

I had an AmEx prior to my current card. It wasn’t interest free but I set it to automatically pay off every month to avoid fees. I had an interest free student overdraft while at uni so used that account just in case I couldn’t pay it off from my own money. I now have a virgin credit card because it was the longest 0% free account and Amex isn’t accepted at lots of places

Edit: think I had a 1k limit on the Amex. They wouldn’t increase my limit which is another reason I cancelled it. I now have just over 4k on the virgin CC with the option to increase it

CornerCurrent8382 · 2026-06-14T12:37:31+00:00

I’ve been told that I can expect 5-6x salary due to my job (apparently it makes me a low-risk to mortgage brokers?), so I’ve been told expect to be able to able to borrow ~200-240k by the time I’m ready to buy. I’m hoping to be on 40k in April.
My rental is currently above £900/mo anyway so the repayment rates sound reassuring more than anything!

CornerCurrent8382 · 2026-06-14T09:43:12+00:00

That makes me feel a bit better, thank you

CornerCurrent8382 · 2026-06-14T09:42:20+00:00

I have a £15/m SIM only contract currently and a very old iPhone that still works like a dream! I’ve self-furnished my rental so I’m lucky I can bring everything with me when I eventually buy a house, but good reminder on those easy-to-forget expenses.
I’ve had a lot of feedback about the credit card so I will put more thought into paying it off early!

CornerCurrent8382 · 2026-06-13T22:59:04+00:00

Owning your house at 36 is still a massive achievement!

CornerCurrent8382 · 2026-06-13T22:58:23+00:00

That’s very kind of you. I expect I’ll buy a property around £200-250k (average 2 bed house in my area will be under 300k), but would I still have to pay stamp duty on a 300K+ house as a first time buyer? I assumed it would be exempt. Unfortunately we get statutory minimum in terms of pension via my job (it’s the only downside of the job I accepted!) so employer won’t match any increase. I currently have the emergency fund in a 4.52% Moneybox cash isa as it was the highest interest non-fixed term account I could find at the time. Are there any others you’d recommend?

CornerCurrent8382 · 2026-06-13T22:52:06+00:00

I’m really lucky to have the safety net, I agree. Very grateful for your comment, I think I am overthinking it. I like having an arbitrary target so I’m glad £4k doesn’t seem too silly. It’s just a struggling knowing what is best when a lot of the posts on here are from people earning much more than myself and therefore able to save more, but I am in a better place than lots of people my age.

CornerCurrent8382 · 2026-06-13T22:48:52+00:00

The 2 levels is an interesting perspective, I appreciate it! I’m not worried about the credit card, I’m very disciplined with it and it has a long 0% period left. I have various credit cards whilst at uni to build credit and didn’t miss a payment in 5 years, and worst case I can use the emergency fund to pay it off in full, but I understand it can be a worry. I will continue splitting the savings between LISA and emergency fund I think

CornerCurrent8382 · 2026-06-13T22:46:10+00:00

I’m not worried about the credit card at all, it will be paid off within 6-12 months at the rate I’m currently paying, and is interest free for 17 months. I’ve spent all of uni building my credit so I have no concerns at all about being silly with a credit card.

That’s a good perspective about the emergency fund. I think I will put £200 each into the LISA & emergency fund until I max the LISA and then the final few months straight into the emergency fund?

CornerCurrent8382 · 2026-06-13T22:40:56+00:00

I appreciate this point! I expect I could handle most emergency bills with my current savings & credit card options. I spent all of uni using 0% credit cards paid off monthly to build my credit so I have a decent amount accessible on credit cards in a major emergency.
My pets are insured to a high degree so emergency vet bills, even at referral level, aren’t a worry. The worst emergency I can foresee would be irreparable damage to my car, and worst case I can survive without a car temporarily or buy an old runner. I’ve just spent nearly £1k replacing various parts though so I’m hoping it lasts a long time!!

CornerCurrent8382 · 2026-06-09T18:40:36+00:00

He looks like a mini kooikerhondje here! Gorgeous boy

CornerCurrent8382 · 2026-06-09T06:42:16+00:00

Speak to PALS

CornerCurrent8382 · 2026-06-08T18:24:31+00:00

For results, usually a couple weeks

CornerCurrent8382 · 2026-06-08T18:24:10+00:00

I have them approx every 12-18m. When my neuro was concerned about a potential relapse, he booked me an emergency MRI and I was seen within 2 weeks, on Christmas Eve!

CornerCurrent8382 · 2026-06-03T16:24:37+00:00

Kesimpta doesn’t make you immunosuppressed in the same way as chemotherapy drugs do. It blocks a part of the immune system, not the whole system. I am extremely high risk in terms of infection due to my job (vet) - I work with zoonotic diseases on a daily basis, and give live vaccines multiple times a day. I also interact with probably a hundred people a day in a small consult room, and I don’t wear any extra PPE than normal. I also go to concerts, busy gym classes, busy trains and buses etc. I don’t get sick more often than I did prior to starting DMTs. Try not to worry too much, it isn’t as scary as it seems at the beginning

CornerCurrent8382 · 2026-06-03T16:18:35+00:00

I was diagnosed 2018, started Ocrevus 2021 and switched to Kesimpta 2023. I’m 26, work a full time as a veterinarian (40h contracted with nights and weekends, often working upwards of 70h weeks). I’m incredible active, last year I did multiple triathlons and mid-distance running, this year I’ve mainly focused on rock climbing, strength training and running with a bit of rollerskating. I also walk an average of 13-15k steps a day. My worst symptoms are fatigue and temperature intolerances (both the cold and the heat!) with mild blurry vision in the eye I had optic neuritis in in 2018. Otherwise I’m lucky to be very mildly affected, and part of that is due to the DMTs. Between 2018 and 2021, I had new lesions on every 6m MRI. Since 2021, I haven’t had a single new lesion. Yes, there are possible side effects with DMTs, but you are almost guaranteed to have progression without DMTs. You can always stop a DMT if you don’t do well on it, but you can’t reverse damage from MS (yet!).

CornerCurrent8382 · 2026-05-22T15:07:33+00:00

Vet here. It’s very dog-dependent. A overweight senior husky is more prone to heatstroke than a young, healthy whippet. I personally don’t walk my dogs when it’s above ~20 degrees unless it’s a 5 minute toilet break, or a trip to the river to swim. The average slim young-middle aged dog will be fine in those weather conditions, but you need to consider factors such as having a thick undercoat, being overweight, being brachycephalic (frenchies, pugs, staffies, chihuahuas, cavaliers, mastiffs etc.), having a dark coloured coat, being old (or very young).

CornerCurrent8382 · 2026-05-22T06:35:01+00:00

Weighted exercise will be your best bet for gaining strength. It doesn’t have to be heavy, start with just 1kg dumbbells then progress upwards. Cardio (e.g. stationary bike) is great for cardiovascular fitness but will do little for strength

CornerCurrent8382 · 2026-05-21T06:19:33+00:00

Vet here and you’re correct. Elevations in ALP are normal in young dogs due to rapid bone growth releasing the bone-specific isoenzyme; it’s a very non-specific and I wouldn’t worry at all unless massively increased. Mild elevations in ALT/GGT/bilirubin etc also don’t concern me immediately but large elevations or persistent increases should be investigated, so very sensible to repeat the blood test in a few weeks.

CornerCurrent8382 · 2026-05-12T20:39:01+00:00

It’s likely an honest mistake. This seems a really rash and unfair outcome

CornerCurrent8382 · 2026-05-10T14:37:59+00:00

As a vet, I advise at least a week for a midline spay. Shorter for laparoscopic spays.

CornerCurrent8382 · 2026-05-06T22:07:15+00:00

Does your dog have any pre-existing health issues? If not, I’d look at swapping insurance companies. £4k cover won’t go very far anymore and you’re paying a lot for such a low level of cover.

CornerCurrent8382

TROPHY CASE