VENT – Buying animals + low income

posted 4 months ago in Pets
Post # 61
Member
411 posts
Helper bee
  • Wedding: A vineyard

I love animals. I had 4 cats at my father’s house and we have one with my husband. However I asked my husband over and over again if he was sure we could afford one, or at least it’s basic care before we got him. Which includes food, water, yearly vet visit, and toys. Plus we cover his vet care by using a certain vet company that lets you pay a small fee monthly that covers things like dental and vaccinations and gives me free vet visits with a test here and there. I just pay for whatever they do and get a discount if it’s not covered. So that makes all my babies care really simple and I feel safe having animals.  I think if people can’t afford basic care, including routine stuff like vaccinations they should not have an animal. I also pretty much only adopt shelter cats. This way I can help a kitty who otherwise might not be adopted and also know it’s neutered and have a head start on vaccinations. 

Before my back injury and pregnancy one of my favourite things to do was go to my local shelter and volunteer and I even fostered for a bit. I think this is a great avenue for people who maybe can’t have pets but want to have them get some love with animals until they can.

Post # 62
Member
210 posts
Helper bee
  • Wedding: July 2018

I would find a new hobby.

Post # 63
Member
8736 posts
Bumble Beekeeper
  • Wedding: July 2016

anabolina :  i could never afford $20k for my dog either.  So I got pet insurance.  We paid $35/month (its gone up a bit over time, so now $38ish) and good thing we did cus in that first year she ended up needing over $20k in surgeries, medications, and physical therapy.  (I think it was $25k? I honestly don’t remember–cus the insurance covered it!)

Our dog is doing great, a couple years later, has been pretty cheap health-wise since then–just one random case of kennel cough (random because we don’t do dog parks or kennels!).  Just throwing it out there–I can’t say enough good things about pet insurance..

Post # 64
Member
145 posts
Blushing bee
  • Wedding: July 2018

I completely agree. I see it all the time on the facebook BST pages.”I’m looking for a puppy, free because I can’t afford the adoption fee at the shelter” I almost always comment “Puppies are EXPENSIVE, there is no such thing as a free dog. You have food to buy monthly, vaccines to pay for, spay/neuter, training, yearly vet appts, then what if something happens to a dog? I adopted one from an animal shelter and then found out it needed surgery a month later. So my $90 dog ended up costing me over a thousand dollars within a month of owning her. How would you deal with that?” I normally get responses calling me a troll and saying I’m judgemental. I will never understand someone who can’t comprehend that even a “free” animal is going to cost a ton of money in their life

Post # 65
Hostess
11374 posts
Sugar Beekeeper
  • Wedding: June 2015

Sorry for,the OT, but amanda1988 :  who do you use for pet insurance? They sound good, and we are looking around. 

Post # 67
Member
8736 posts
Bumble Beekeeper
  • Wedding: July 2016

BalletParker :  Healthy Paws.  They were amazing.  our dog had SUCH a rough time of the whole ordeal (3 surgeries, 2 including cutting bone and repinning ligaments, a long bout of staph, and PT to deal with the fact she hadn’t used her staph infected leg for months by the time she was clear so it was pretty weak/skinny)  As if the actual medical stuff wasn’t bad enough, all the meds made her nauseated so she wouldn’t eat or drink.  Anyway my point is.. I was so worried but paying for her was NOT something I worried about.  I would submit a claim, get a check sent to me the next day.. and they even called me a couple times to ASK ME HOW SHE IS DOING.  It was never to harass or question or anything–just “oh gosh we just saw the bill you submitted–that must be so rough, how is she healing??”

Oh, and one surgery was way worse than the doc thought so he went way over quote–so the bill looked like this:

quote: 10k

bill: 15k

credit: 5k 

total charge: 10k

but insurance still reimbursed US for their portion of the $15k (we have 80% coverage).  I called them to point out the credit and explain we didn’t ACTUALLY pay $15k.  Healthy Paws was like “yep. we know.  This is on purpose”  My jaw was on the ground.*

Sorry, now I REALLY have gone off topic.  I just.. really really really appreciate that experience and get kind of emotional.  My dog is a member of our family and there’s no way she’d be here if it weren’t for the insurance.  She was only 2 at the time–that’s so much life that would’ve been robbed from us if it weren’t for them.

*Again I don’t remember actual numbers, but basically the insurance paid us enough money we actually made money on that surgery due to the credit.

Post # 69
Member
8736 posts
Bumble Beekeeper
  • Wedding: July 2016

jellybellynelly :  wow.  talk about expecting someone else to take care of your pets…

Post # 70
Hostess
11374 posts
Sugar Beekeeper
  • Wedding: June 2015

amanda1988 :  aww I’m so sorry you guys went through that and so glad your pup is okay now! I know what you mean, our guy is definitely a beloved family member. We’ve already spent soooo much money at the vet (though, not near $10k at once, thank goodness), I wouldn’t want to be in the position of him not having insurance for something serious. 

Thanks for the rec! They sound amazing.

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