Tuesday, October 19, 2010
The case for pet insurance
Maximus was one in a million and as a result, we spent close to that on his care. I know not everyone could have afforded him this care, but with pet insurance (and care credit), you can eliminate some of the pressure of decisions made based on cost. For some couples, pet insurance keeps the marriage happy as one usually has a higher limit than the other for care. My husband was not a fan of the large vet bills, but he knew when he married me that when it came to care of those I love money is no object provided quality of life is there. If you ever have a few dollars to spare, In Memory of Magic is an organization that is always in need to donations to help provide care for companion animals when their caretakers are financially challenged. This link for a now defunct group has many similar links to help cover costs of medical care for animals and owners in need.
This is not a complete list, but rather the really big ticket items we spent on Maximus in his 8+ years. This does not include the multitude of regular visits, follow ups, or trips for assistance in inducing vomitting to prevent foreign body obstructions. I would happily spend all of this and more for any dog in our care.
* TPLO #1 - $3,500 (at board certified surgeon)
* TPLO #2 - $3,500 (at board certified surgeon)
* Foreign Body Surgery #1 - $3,500 (at emergency vet)
Foreign Body Surgery #2 - $3,500 (at emergency vet)
Foreign Body Surgery #3 - $1,300 (at regular vet and less invasive than prior)
MRI, euthanasia, and private cremation- $3,200 (at neurologist)
* items we did not have insurance for at the time
With our Pets Best Insurance, 80% approx. of his recent medical bills were covered. I am thankful to them for not excluding my senior nor dropping us after his repeated foreign body surgeries. If you have ever considered pet insurance, be sure to look around and look for what is included and what is not in each policy. I can personally vouch for Pets Best and am so happy I never once had to consider if we could afford to treat Maximus, because Maximus was priceless. Unfortunately, his nine lives ran out and no amount of money could have changed this outcome.
All the king's horses and all the king's men couldn't put Humpty together again...