"None of them are easy, and in the case of animals that are insured, the owner will often make Carswell wait around for the vet to arrive, because it needs that official signature before a claim can be made. He does not like standing around beside an animal in distress waiting for a piece of paper."

The joys of bureaucratic procedures.

I know of (badly organised) farmers, who sometimes just let their sheep die in agony, rather than doing the formal procedures, as they are too complicated and expensive.