Money, or a lack of
Monday, February 22nd, 2010We recently had a customer drop off his cat before a long, overseas trip. As usual, we asked about the unforseen emergency and how he would like us to proceed. Laughing a wry laugh, he said something about really only having about $100 for any such emergency so that makes it an easy decision.
Interestingly, I feel that this crazy economic time almost takes some of that pressure off of pet owners. When you don’t have money to spend on procedures, you don’t have the added pressure of trying to care for your ill pet while at the same time worrying about how in the world to pay for it.
Don’t get me wrong; in no way am I saying that a lack of money makes the process easier. However, for anyone who has ever been in that situation of having a very sick pet and wondering how to pay for it, not having the money decides for you. If you do have the money, at what point are you spending too much? When Scout was so sick, as the bill reached astronomic proportions, I would secretly worry and wonder if our credit card would go through. And then, what if it didn’t??? Would I have to look at the receptionist and say, “I’m sorry, but I don’t have any more money for this? I know we’ve put the dog through however many days of hospitalization and numerous tests and an exploratory, but we’ve run out of money.” When she was so sick, it was easy to say yes to the tests, to anything that would make her better. But then, each visit got harder. Would the hospital think less of us for finally saying that we couldn’t spend anymore on our dog? We own a kennel, for gosh sakes! How would that be perceived? And poor Scout; her last days would be filled with poking and prodding, not peace and love.
Another friend who has a lot more money than I do, said he would spend any amount to make his dog better. Some of my friends with less in the bank avoid the issue by avoiding the vet. If the pet is acting ill, then they try to make it comfortable and hope for the best. Others throw all reason away and yes everything that might prove to be a cure or an answer, only to then find themselves up to their eyeballs in debt.
My suggestion is to actually consider your options before anything happens, even for those of you with pet insurance. How much is reasonable to spend? At what point do you say no more, both financially and physically (thinking of the pet). Have these conversations before your emotions are involved, remembering that emergency vet care is expensive. If you and your spouse or partner are having trouble reaching a decision, do some research and talk with your vet about common veterinary expenses and those more common emergency vet expenses (cancer, renal failure, bloat, etc.). Have the serious conversation now. While you can never fully plan for anything, at least have something to work from, as opposed to sheer emotion.