How very sad.

Both emergency clinics in my area ask that you pay the fee in full at the time of service - that is, at the conclusion of the appointment, after the animal has been examined and/or treated, or when you pick up your animal after a hospital stay. That policy is understandable and fair. But they start treatment right away, no payment needed upfront.

Back when I first moved here it was common for small practice vets to send out a Rechnung once a month - one didn't need to pay at time of service. Today that model is very rare; as with so much today, people must now be abusing the system.

I've had my share of veterinary emergencies over the years. You are right to point out that every pet owner should have a hefty sum tucked away, 'just in case'.

Every pet owner should also have a discussion, now, with your vet as to what the procedure is in your area for after hours emergencies. You don't want to be scrambling around trying to figure out what to do and where to go when your pet is gravely ill, as in that poor lady in the article.