How much? You must be kidding. $650 to have my seven-year-old cat’s teeth cleaned? No way.
It shouldn’t have stunned me.
I was no stranger to healthcare bills for my pets. After all, my cat, Annie, who passed away last summer racked up more than $20,000+ in healthcare bills in the last two years of her life. She had a gamut of health issues—things the vets liked to tell me they had never seen in the decades they had been practicing.
While the vets were fascinated at how resilient little Annie was, I was simply scared for her. Every time she went in for another surgery, I was left to wonder how she would fare and how I would ever cover the cost.
Annie and I went through the ER at my local university’s animal hospital many times. And it never ceased to amaze many how many people were there with their animals making heartbreaking decisions. I watched countless people decide to euthanize their pet, even thought their pet’s condition was treatable. Their caretakers were dedicated to them, but they simply couldn’t afford to pay the cost of the care. It was gut-wrenching.
So, when my vet recently told me that my newly adopted seven-year-old cat, Emma, needed to have her teeth cleaned and one removed, I wasn’t surprised. But when my vet turned around and told me how much it would be, I couldn’t help but experience déjà vu.
The difference this time around was that I had purchased pet insurance for Emma when I adopted her. Oh sure….I have many friends and acquaintances who thought I was crazy, but it was the best investment I could have ever made. Of Emma’s $650 bill, her insurance covered $421 after my $200 deductible. Emma’s policy ran me about $185 for the year and it’s already more than paid for itself.
Many ask why I didn’t purchase pet insurance for Annie. The truth of the matter is I didn’t know that I should have when I adopted her. Had I tried to insure her after her health problems began, most of her care would have been considered a pre-existing condition and not been covered.
I don’t regret a penny of the money I spent on Annie’s care, even though I will be paying for it for the next few years. Annie was my heart and soul. But the moral of the story is to get insurance for your pet the day you adopt. It will likely save you from having to make heart-breaking decisions.