A. Lack of consistent insurance means that most people pay out of pocket for veterinary care. Don't forget that your veterinarian has undergone the same level of training as your physician. The office call is you paying for their time and expertise, in my clinic this is $76. Beyond that, diagnostics have a very minimal markup, and are important tools to help your vet care for your pet. If your cat is healthy, I would encourage applying for insurance which would help.
A. There is more than one reason for that, but the main one is because veterinary medicine is private medical care - it's not fund by the government or anyone else.
A consult usually costs between 30-50$ depending on where you live, when comparing it to private human medicine it's actually way cheaper. obviously it almost never ends there as medication are prescribed - and veterinary medication are more expensive than human medication (and drug companies are to blame for this).
If you have an insurance though, vet care will hardly cost you anything if something happens to your cat, it usually covers most of the expenses .
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