One sad fact about adopting a pet is that you will likely outlive your beloved animal and that means you will have to pay for their healthcare in their dying days. When our cat Jack died, 99% of the money we spent for his well-being was used over the last 90 days of his life in an attempt to battle his kidney disease and failing heart and to then provide him the kindest possible end.
A chest-only ultrasound for a cat is $400.00USD The abdomen is a separate cost of $400.00USD. If you do both abdomen and chest together, you get a break at $750.00USD. It may sound silly to spend that kind of money on a pet, but if you want to know what’s going on inside your animal, and if there’s any hope for survival, the only way to know for sure is to pay for an ultrasound.
We looked into getting Pet Health Insurance for Jack when his health started to decline, but we were tempered by our awful experience with human health insurance companies and how they prevaricate and waddle their way away from providing proper coverage based on “pre-existing conditions” and other conditional outs. We could only imagine the games these companies play with a sick cat on facing its inevitable deathbed.
We also sadly found out that Jack was too old for pet insurance. The cutoff was 10 years of age and Jack was 15 when he began to get really sick super fast — so, in a way, we were saved from having to try to convince a pet insurance company that our boy was “worth the money” for the saving.
We dipped into our savings for Jack’s final days care, and if we’d been paying a monthly pet insurance fee of $50 over his lifetime, we would’ve overpaid for his total healthcare by $3,000.00USD. I don’t know what would’ve happened with the pet insurance over the last five years of his life when he would’ve been out of coverage. If we had been unable to continue his insurance past the age of 10 years old, then we would’ve spent $6,000.00USD on pet insurance we never needed.
I think the best thing for you to do when you bring an animal into your life is to forget pet insurance and start a “healthcare fund” for your pet instead that will go untouched until the medical need arises. Take that $50 a month you’d pay a pet insurance company and put it into a savings account for your pet.
In a decade, you’ll have a good sum of money that is there, and secure, and ready to help you fight for the final stages of your animal’s life — and if there aren’t medical costs associated with your pet’s passing — then you have a nice healthcare nest egg right there waiting for the next pet you hug into your heart.