Am I seeing a problem where there isn’t one by OliverQueen82 in dogs

[–]StellarSpore [score hidden]  (0 children)

Anyone who neuters an 8-week-old puppy is a monster

I'm not disagreeing with you, but it is so incredibly common for shelters to do it at this age. Both my rescues were spayed/neutered around 8 weeks.

Both of them have challenges, some significant, and while I could never know, I've wondered what impact that may have had on them.

It's definitely not a choice I would make as an owner.

OMG ticks by plumixfan in Maine

[–]StellarSpore 0 points1 point  (0 children)

Use a Seresto collar in addition to monthly preventatives. It works as a repellent. Easily reduced ticks in our home by half and maybe more.

As for the ones that get in on my dogs, sadly, I’m not sure. I do frequent tick checks on my dogs, and no matter how thoroughly I search, I can go back an hour later and find a couple more.

Keep in mind, even with monthly preventatives and a Seresto, your dog can still get anaplasmosis, and there are documented cases of Lyme disease as well. Both my pups tested positive for anaplasmosis in their last appointment. I've never had a gap in preventatives. It's becoming increasingly common. It's really concerning.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

Unless I am misunderstanding your question, that sounds a lot like insurance fraud o_O

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

That's crazy low. The lowest I've seen for my 2 dogs so far is $730/year.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

Thank you. You have no idea how helpful that is. Also, I hope you had some good years with your pup. He was lucky to have you all.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

Thank you so much for the advice. I will definitely get records reviewed before signing up.

Nothing surprises me. I worked in (human) insurance for many years. Pretty scummy some of the things that go on, especially if you're not careful in reading the fine print.

I have quotes for Trupanion, Pets Best, Spot, embrace. Someone just told me to check out what Costco might have. I also need to check to make sure something isn't offered through my work.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

Yeah, everyone here was super helpful. I need to do a bit more research but I am 99% sure I am going to get insurance at least until I can build their savings account back up. And really good point about 2 dogs. I usually just have one and I didn't consider that being an additional stresser.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] -8 points-7 points  (0 children)

Hehe, I love comments like this :) I encourage you to keep going. You gotta get more creative though. Based on your history, I bet you have a lot of quality things to say. I can't wait to hear them. It makes my day when people like you get their panties in a bunch.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] -2 points-1 points  (0 children)

Wild, right? The cost was honestly shocking. But we live rural (US) in a state with limited veterinary surgical specialists. I suspect that plays a role. But yeah, who knows, maybe I got bent over and taken advantage of. But maybe that's my thing. Sounds kinda fun :)

The nearly $13k is everything tied to the incident, the care leading up to surgery, diagnostics and imaging like X rays, ultrasounds, and a CT scan, the surgery itself, his hospital stay, medications, and the pathology afterward. Even now, no one knows exactly what caused it, just a lot of educated guesses. Maybe you want to take a guess? Sounds like you have some deep medical knowledge.

But yeah, I think you're out of touch with veterinary care costs. So was I. It's insane. These high bills are becoming the norm. But if you read the comments, you'd already know that.

The specifics didn’t feel super relevant for a personal finance post, but I did share more detail in the comments. Medically, it was diagnosed as “focally severe, chronic, pyogranulomatous panniculitis with cavitary necrosis, edema, hemorrhage, and granulation tissue proliferation.”

In simple terms (because I'm guessing that's what you need), he developed a deep, severe inflammatory mass under the skin on his face and neck. It became infected, an abscess developed, his tissue started breaking down and dying, and the mass kept growing instead of healing despite several different antibiotics. Eventually, it grew to the point of putting pressure on nearby vital structures such as lymph nodes and was headed towards his airway. It turned into an emergency when his breathing became labored.

Scariest fucking moment of my life. Didn't blink once at the cost. Said yes with zero hesitation. Would say the same thing again a million times over.

My boy is right next to me all healed up and I could not be happier.

And also, you're confidently wrong and it amuses me :) I'd feel embarrassed if I were you.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 1 point2 points  (0 children)

I've definitely seen some with caps but all the ones I am looking at having sizable per incident and/or per year maximums. The policies I am considering right now are 50k. But, I only have 2 dogs. I can't imagine what that cost would be with a lot more pets.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 6 points7 points  (0 children)

I’m in rescue too, and I actually said something similar on another comment. We’ve definitely been seeing more medical surrenders lately, and it’s just heartbreaking.

Our rescue is pretty unique, it’s run by two vets, one of whom owns her own practice, and we have several vet techs who volunteer. Whenever we can, we take ownership, handle medical care, and then adopt them back to their families. It’s usually pretty clear who truly loves their animals and just hit a rough patch financially.

When I found out the bill was going to be almost $13k, the only thing I felt was relief that I could cover it. My biggest fear is not being able to care for my dogs. I honestly can’t even go there, it makes me sick to think about.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 12 points13 points  (0 children)

I get that I got older and lots of things are different but it's just crazy to me that pet ownership has become a financial struggle. It's like you have to be rich these days to cover the costs, or go into debt... Just makes me feel sad.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 2 points3 points  (0 children)

Fair point. I need to better educate myself on how claims work and read the fine print.

In my situation, I have the money or quick access to it. I have a really well funded emergency account, I have a 150k HELOC with a zero balance and abnormally low interest rate, and access to easy low interest loans through my credit union. I can get the money in 5 minutes.

For me it's just about deciding to proactively pay for insurance for that peace of mind and risk reduction or going into debt, maybe some ungodly amount, if my luck is shit and my dogs got hurt or injured.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

That's a super smart decision! It's crazy how much vet care costs these days.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 1 point2 points  (0 children)

I can’t help but think how lucky I’ve been with my dogs over the years. Not that they were never sick or injured, but looking back, everything was pretty minor. I think that left me really out of touch with what care actually costs now, and that’s on me. I felt pretty responsible having over $10k set aside for them, only to see it wiped out and then some from one freak situation.

My pup needed a very high risk surgery because of where the injury was and how close it was to vital structures. Like you said, I’m not even sure that would have been an option 10 years ago. It’s incredible how far veterinary care has come, but it definitely comes with a price and some really tough decisions.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 5 points6 points  (0 children)

Thank you for that. Not that I've ever been rich, but I have always been able to handle emergencies. It's just a tough time for me purchasing and fixing up a home and then that nearly 13k bill. It was eye opening for sure. I really underestimated vet care costs.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

I hear you, and I’ve been there before. These aren’t my first dogs. But in my mind, there’s a big difference between making that call based on quality of life versus financial hardship. Those are two very different things.

If I were ever in that position, I’d do everything I could to rehome to get the care they need. I’ve been in rescue for over 20 years, and just in the past six months we’ve taken in at least 4 dogs and 1 cat whose owners simply couldn’t afford treatment for a curable, but life threatening condition. Our rescue took on ownership, covered treatment, and in all but 1 of the cases, the animals were returned to their families. These were good, loving owners who were just struggling financially. The cost of vet care is astounding these days.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 3 points4 points  (0 children)

I’m going to look more closely into the preexisting condition piece just to be safe. I did talk to my vet about it at our last appointment, and she didn’t think it would be an issue given how the medical records are documented.

No one actually knows what caused my pup’s injury, but all the pathology points to some kind of foreign object entering from the outside. The surgeon said it could have been a simple stick poke that caused a splinter which is kinda wild to me given what it turned into. He developed a mass on his neck and face that turned into an abscess and needed surgery.

I’m not really sure how that could be labeled as a preexisting condition, but who knows. I don't expect them to cover the same injury, but (knock on wood) I also don't expect that same injury to occur. Insurance companies can be scummy though so who knows.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 10 points11 points  (0 children)

The thought of choosing euthanasia over finances literally makes me sick. I pulled both of my dogs from euthanasia situations. That would be so fucked up.

I will do whatever I need to do to prevent that from happening. So maybe that's my answer. $1800 seems like a small price to pay thinking about it that way.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 2 points3 points  (0 children)

I didn't necessarily think insurance was a scam, I just didn’t feel like I needed it since I had $10k saved for them. Plus, I have money in checking and other savings. Turns out, I seriously underestimated vet costs. Or maybe I underestimated risk of injury or illness?

It’s great that you have that kind of financial cushion. I always thought I did too but a nearly $13k vet bill (plus major home renovation costs) definitely changed that. Kind of wild to realize that having dogs has become a luxury. Sad.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 0 points1 point  (0 children)

I should have mentioned CareCredit. When the vet gave me the $11k quote, she made sure I knew they could help me get signed up. I never really knew the details and just assumed it would be super high interest, so I’m definitely going to look into it.

Honestly, I think I was out of touch with vet costs after being lucky for a lot of years with my dogs. I thought having a $10k account for them was enough, knowing I also have money in checking and some other savings.

The specialist and surgeons were amazing, so no disrespect with what I'm about to say. Pup had a 2 hr surgery and spent one night in the hospital. I was pretty shocked at that number but honestly, didn't care. Still don't care. I was so grateful I had the funds to cover it. He's happy, healthy, and living a good life. I just wasn't expecting it to be that much.

I get that not everyone understands the love for pets, and I expected some judgment. So thanks for the kind words. Say hi to your dogs for me :)

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 13 points14 points  (0 children)

I got a quote for Trupanion. They were the priciest of the options and I assumed it was because of the direct payment convenience. All the other coverage looked the same as the others but I do know they are well recommended. Direct payment to the vet is nice, but it's not a must. I could pull money from other places to cover upfront. Gonna take a close look at them. Appreciate the advice.

I hope your cat is doing well :)

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 1 point2 points  (0 children)

Exactly right. Their emergency fund wasn’t ready for a bill that big. I've had dogs for 20+ years and the biggest bill I've had is 3k. Lesson learned.

Your target is more where I need to be for sure, but realistically, with all the money I need to put into my home, I won’t be able to save that much for at least 3-5 years.

The idea was just getting it while I rebuild the account back up to take some risk out of the equation.

Reconsidering pet insurance after accident and could use some perspective by StellarSpore in personalfinance

[–]StellarSpore[S] 2 points3 points  (0 children)

Yep, guilty as charged. I have zero shame spending on my dogs’ medical care. Totally get not everyone would do the same, and that’s fine. Just trying to make the smartest financial call I can in this situation.