(Closed) NWR: Those with pets or planning to get one should read this

posted 7 years ago in Pets
Post # 3
Member
322 posts
Helper bee
  • Wedding: April 2011

I’m really glad you posted this.  Having pets is more than just the excitement of getting an animal in the house.  They are part of the family and can take as much time as a child, in some cases.  That, along with routine and emergency expenses is something to consider.  Routine check ups are usually around $250 for me, x2 dogs, every 6 months, as well as the cost of the specialty food, due to food allergies. 

Post # 4
Member
5148 posts
Bee Keeper
  • Wedding: June 2011

Thank you for posting!

I used to post a lot of Yahoo Answers dog section. It drove me crazy the sheer number of people that would ask “I don’t have any money, where can I get a dog for free”. (And then of course they’d get ticked when people told them “if you don’t have money, don’t get a dog!”).

Post # 5
Member
1003 posts
Bumble bee
  • Wedding: June 2012

@abbyful: oh, yahoo answers. hours of entertainment.

I am saving at least 3000 before I even consider getting a dog. And that isn`t even to pay for my dog or spaying. That is like an emergency fund just incase.  

Post # 6
Member
7975 posts
Bumble Beekeeper

I’ve heard that you can purchase pet insurance – has anyone used or considered this route? I’d love to learn more! (please no one send me a http://www.lmgtfy.com, hahaha… I love first hand experience :D)

Thanks for sharing your wisdom, redherring! As someone who is considering a dog, I really appreciate it!

Post # 7
Member
322 posts
Helper bee
  • Wedding: April 2011

@ddw:  I haven’t used pet insurance, but Petsmart has something similar to it.  It’s about $15/mo and it covers all of your exams and shots and gives you a 10% discount on medication. 

Post # 9
Member
1488 posts
Bumble bee
  • Wedding: March 2012

@franks.katie: The Banfield program you are talking about isn’t insurance. It’s a wellness program that covers their shots and any clinic trips, but you will have to pay for everything else, including x-rays, special exams etc. It starts at $21.95 a month and gives you 5% off. Personally, I take the $22 a month and put it away for when I go in instead. My dog doesn’t require a vet trip once a month for me to justify it. My mom has a yorkie with a heart murmur who does go into the vet often for various reasons and the wellness program has saved her tons. It really depends on your dog if you should do that.

Post # 10
Member
1267 posts
Bumble bee

What a great post!  I know that we made sure we had money saved when we got her, but I’ve also had a dog die of bloat because I sadly wasn’t there and my ex husband didn’t notice nor take the symptoms as a dire emergency.

So after that, I started to get overly anxious about everything my dog did.  She is also a large breed, so I wanted to make sure if she started to bloat, I:

1. Knew everything about it that I can

2. Knew what to do in case of bloat

3. Make sure we have at least $8,000 for it.

So we made a new bank account called the Dog Emergency Fund and deposited $8000 in it and we add $100 a month to it.  I feel so much better knowing that we can respond if something were to happen.

Post # 12
Member
7975 posts
Bumble Beekeeper

Just been thinking more on this, and I think it’s probably wise to talk ahead of time about how often you’re willing to spend x amount on vet bills – it’s easy to say, “We’ll cap it at $1000” but if you (heaven forbid) end up at the vet multiple times in a short period of time, you want to already be on the same page about “we’ve spent $4000 in the last 2 months, can we afford another thousand now?” too!

Post # 13
Member
1003 posts
Bumble bee
  • Wedding: June 2012

@redherring: Thanks. My dog when she was younger broke her leg falling out of the back of a truck. We lived three and a half hours away from the nearest vet. Even though I was 12, I know that not only they spent at least 1000 getting her leg pinned, there was also the gas, and meals that they paid for while she was in vet care. Owning a dog is serious business.

If I was in dire straights and had a dog, the dog would eat before me. I know people will disagree with me on that but a dog is like a child, it can`t go out and get its own food like I can.

Post # 14
Member
5761 posts
Bee Keeper

I think the key to any insurance is to ask lots of questions and understand the policy and it’s limits before you sign up for it. Afterwards is not the time to plead how you misunderstood it.

I had pet insurance for our last dog and it was worth every penny,even tho we didn’t get it until she was diagnosed with a serious illness. I have the same one again for our new puppy, and have become an advocate for it every time I hear of someone getting a new pet. I wish someone had pushed me into it before our dog became ill and the cost of her care became astronomical.

If you are disciplined enough to stash the money away, good for you. Vet bills can add up quickly, but they save so many lives every day, they’re worth their weight in gold for pet lovers.

Post # 15
Member
3049 posts
Sugar bee
  • Wedding: January 1991

Lucky for me, my fiance and I agree that we’re not spending tons of money on our dog. (So sad!) That’s why I choose to feed him better than my fiance does, and not human food. So when he gets old I don’t have to worry about diabetes shots. And he says, let him get diabetes and we’ll just have to let go of him. Baha, obviously there are some differences there that we need to take care of. But we agree that a dog can’t make us go into debt no matter how much we love him. And we really really do… he’s the light of my life and my best friend while my fiance is gone. We’re long distance so my dog has been a great thing in my life to keep me busy and not sad about being so far away!

Post # 16
Member
502 posts
Busy bee
  • Wedding: August 2010

My dogs have their own health insurance policies :).  I reallllly recommend it if you can do it. Mine is only $33 a month per dog and it reimburses 90%. It cant be used for regular visit, only if you bring them in because they are sick. but it covers xrays, bloodwork and stuff like that. We did it because we know that if there is an emergency with our dogs that we might not have 2,000 laying around for surgery, but at least with the insurance we would pay signficantly less. We also have a care credit card for them specifically with a 2,500 limit.

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