Every month, I invest nearly $100 on pet insurance for my two dogs and cat, and I can confidently say it’s one of the best financial decisions I’ve made.
Before my daughter was born, I wasn’t particularly fond of animals. I appreciated order and cleanliness, and the thought of pet hair or accidents in my home was unappealing. I had never owned a pet as an adult. However, everything changed when my daughter began to show a deep love for animals. Despite facing developmental and physical challenges, she connected with every creature she encountered. It was a beautiful sight that slowly shifted my perspective.
Hoping to satisfy her passion, I started taking her to local shelters. Within a year, we had adopted our first dog, followed by a cat and another dog. Now, we also foster pets, and my daughter is a beloved presence at our local shelter. This journey opened my heart in ways I never anticipated.
When we brought our first dog home, I was completely unprepared. Following the vet’s recommendation, I signed up for pet insurance that same night. It turned out to be a lifesaver when our new pup faced serious gastrointestinal issues soon after, and the insurance quickly paid for itself.
This year, my other dog, Bella, has truly underscored the importance of having pet insurance. Shortly after her first birthday, she began to vomit and refused to eat. An emergency visit revealed a bowel obstruction, and I was faced with a daunting choice: commit to nearly $6000 for surgery or say goodbye to my beloved pet. Thanks to pet insurance, I could confidently say, “do what you need to do,” sparing my daughter the heartbreak of losing her furry friend.
Later in the year, Bella was diagnosed with severe joint issues and a suspected autoimmune disease. After consulting with various specialists, it was determined she would need two hip surgeries, costing around $9000. Fortunately, since our insurance policy resets annually, the coverage allowed us to manage the financial burden effectively. The insurance covered 90% of all three procedures, allowing Bella to remain with us.
I often advise friends about pet insurance. If you can easily come up with a few thousand dollars in a pinch, it might not be necessary for you. However, if that amount would strain your finances or make you consider leaving your pet behind, I highly recommend getting insured. We use PetPlan and have been pleased, but there are many reputable options available. It’s worth checking with your vet for recommendations as they often have partnerships with certain insurers.
In the end, my pets enjoy better insurance coverage than I do, which highlights the shortcomings of the U.S. healthcare system. But that’s a different matter. For Bella, pet insurance has literally been a lifeline, and I’m grateful for it more than my former pet-averse self could have imagined.
So, if you’re contemplating pet insurance, I assure you, you won’t regret it. However, not having it could lead to heartbreaking decisions.
For more insightful information, check out this post: a related article. You might also find valuable resources at Make a Mom and March of Dimes.
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Summary:
Investing in pet insurance can be a lifesaver for your furry friends, as it helps manage unexpected medical expenses. My experiences with my dogs have shown me the undeniable value of this coverage, allowing us to make crucial health decisions without financial strain. If you’re unsure about whether you need pet insurance, consider your financial situation and the potential impact on your pets’ health.
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