My family is big on dogs. Seriously. Not one of us has a cat. When we go to work, there are three dogs with us all day, every day. They all sit around my grandfather’s desk and he’ll lazily toss them treats while he’s on the phone. They get to lick our plates after we’re finished our steak. Sometimes in the summer, they’ll get doggie ice cream. They wear Toronto Maple Leafs sweaters and AC/DC t-shirts. They even have cakes for their birthdays. I wish I was kidding. It’s mostly an excuse to eat cake, but still. My relatives are THOSE people.
This is my mom’s bulldog, Gertie.
Most people I’ve talked to don’t understand getting pet insurance. Sure, they need to go to the vet, but for Gertie, it would be about $750 a year in premiums. Who spends $750 a year on medical costs for their animals?
Well, with Gertie, that would have been a great deal.
My mom has had her for a year. In that time, she’s had a couple ear infections, her folds around her face have been infected, she needs special food because of her digestive system; all of the issues are related to her breed. It has been pretty interesting to see how many problems one dog can have. All the costs associated with that still would’ve been less than insurance premiums. Then she had an accident a couple months ago.
See, the other two dogs that we have are pretty small compared to Gertie, so she thinks she’s small too. So when the other two jumped off my back porch, she followed suit. She ripped a muscle in her back leg due to the impact, and she needed surgery to fix it. Surgery to the tune of over $2000. Then add in the painkillers, other medicine, follow-up appointments, and even us putting a fence on the porch this summer so she won’t do it again, and that is one expensive dog.
Obviously they don’t regret it because they love her, but you can bet my mom is kicking herself for not getting insurance for her.
So, a word to the wise; when you get an animal, treat it like a car, and insure it’s health! Research the breed and make sure you know what health problems they’re susceptible to, because let’s face it; many of us are suckers for our animals, and you don’t want to go into debt/deplete your emergency fund because Fluffy broke a leg.
I know it seems frivolous, but it could save you a huge chunk of cash.