I quickly found out that the amount was grossly underestimated.
|Jasmine always got the best care money could buy even though we're still recovering from the debt.|
And even then we couldn't have done it with extra help.
We thought we didn't need an insurance.
We thought that if we put the money we'd pay for the premium into a savings account that we'd be set. But we weren't. Just one true emergency came to $12,000. Some emergencies can be even more expensive than that.
Watching the bills mount we quickly got medical insurance for JD while he was still healthy.
He has been quite healthy but even his medical costs added up, last with his mast cell tumor. We could have probably have taken care of it for less but we are only comfortable with going all out in order to do what is best for the dog.
|JD has always been relatively healthy but even his bills would be felt.|
And I'm not talking about routine stuff we we always make sure it's done.
We insured Cookie right after we adopted her.
If you're going to get an insurance, you best get it before your dog collects any preexisting conditions. Lucky too, because Cookie has presented with quite a few challenges over time. The latest one, iliopsoas injury, combined with issues in sacroiliac and lumbosacral joints, as well as partially tearing her cruciate ligament at some point, has been a long journey of diagnostics and treatments.
|Cookie, bless her sweet soul, wouldn't be where she is if it wasn't for having her insured.|
Having the insurance, we can take care of her with whatever we believe is best.
Yes, having full coverage with no limits does come with relatively stiff premiums. But that's a cost which is distributed evenly over time. What we get for that is the peace of mind that we can face whatever fate might throw her way head on.
I'm presently helping a friend raise funds for treatment of her dog.
I know the desperate feeling too well. Funds are gone and a dog needs continuing care. If the dog is to live and have any chance for decent quality of live, the expense is going to be substantial.
What do you do?
You do whatever you can. And if you're really lucky you get to do what it takes.
I think having an emergency fund or savings account is a nice idea. But from where I stand it's never going to be enough if things really go wrong.
Can you afford to have an uninsured dog?
Getting On The Pet Health Insurance Wagon: Does Being Insured Equal Being Covered?
Cookie Too Is Insured With Trupanion
Our First Declined Trupanion Claim
From The End Of A Lead Line To Casa Jasmine: Meet Cookie, Our New Adoptee
And So It Begins Again(?) Our First Health-Related Heart Attack With Cookie
I Didn't Know I Could Fly: Why Cookie Wears A Harness Instead Of A Collar
C.E.T. Oral Hygiene Chews For Dogs CAN Be A Choking Hazzard
Our First Health-Related Heart Attack With Cookie: The Knee Or The Foot?
Creative Solutions And An Incidental Product Review
Too Young For Pot: Cookie's Snack With A Side Of Hydrogen Peroxide
Taming Of The Wild Beast: Cookie's Transition To Civilization
Staying On Top Of The Ears: Cookie Is Not Impressed
Putting The Easy Back Into Walking
Cookie's Ears Are Still Not Happy
The Threat Of The Bulge Is Always Lurking
Today Is Cookie's Three-Months Adoptoversary
Cookie Meets The Electric Horse Fence And Her First Chiropractic Adjustment
Why Examine Your Dog's Vomit?
Why Is That Leg Still Not Happy? Cookie's Leg Keeps Getting Sore
Cookie Too Is Insured With Trupanion
Does Being Insured Mean Being Covered? Our First Claim With Trupanion
Is Cookie's Leg Finally Getting Better?
Is Cookie Going To Be Another Medical Challenge Or Are We Looking To Closely?
The Project That Is Cookie: Pancreatitis Up Close And Personal
Pancreatitis: Cookie’s Blood Work
Another Belly Upset: Pancreatitis Again Or Not?
Happy Birthday, Cookie
Incontinence? Cookie's Mysterious Leaks
Who's Training Whom? Stick And Treat
Don't Just Stand There, Do Something? Cookie's Mysterious Bumps
Cookie's Mysterious Bumps Update
One Vomit, No Vomit
Happy One-Year Adoptoversary, Cookie!
Cookie's Leaks Are Back: Garden Variety Incontinence Or Not?
Cookie's Leaks Update
Don't Panic, Don't Panic: Know What Your Job Is
The Continuing Saga Of Cookie's Leeks: Trying Chiropractic Approach
Cookie's Minor Eye Irritation
Regular Wellness Exam: Cookie's ALT Was Elevated
Cookie's Plantar Paw Pad Injury
How Far To Take It When The Dog Isn't Sick?
Cookie Has Tapeworm Infection
Cookie's Elevated ALT: The Ultrasound and Cytology
Cookie's ALT Update
The Importance of Observation: Cookie's Chiropractic Adjustment
Sometimes You Don't Even Know What You're Looking at: Cookie's Scary "We Have No Idea What that Was"
Living with an Incontinent Dog
Summer Dangers: Cookie Gets Stung by a Bald-faced Hornet
To Breathe or Not To Breathe: Cookie's Hind Legs Transiently Fail to Work (Again)
Figuring out What Might Be Going on with Cookie's Legs: The Process
Figuring out What Might Be Going on with Cookie's Legs: The Diagnosis
Cookie's Iliopsoas Injury Treatment: Trazodone
Cookie's Iliopsoas Injury Treatment: Other Medications
Cookie's Iliopsoas Injury Treatment: Laser, Hydrotherapy and Chiropractic
Cookie's Recovery from Iliopsoas Injury: ToeGrips
It Never Rains ... Cookie's New Injury
Mixed Emotions: When What You Should Do Might Not Be What You Should Do for Your Dog
Cookie's New Injury Update
Cookie's Iliopsoas Injury: The Symptoms
Cookie's Iliopsoas Injury: Battling the Zoomies
Cookie's Muscle Injuries: What Else Is Going On?
Theory and Actual Decisions for an Actual Dog Aren't the Same Thing: Cookie's Knee Injury
Does Your Vet Listen to You? Cookie's Post-Sedation Complications
Would I Ever Treat a Symptom Directly?
Platelet-Rich Plasma (PRP) Treatment for Cookie's Bad Knee(s)
Platelet-Rich Plasma (PRP) for Cookie's Bad Cruciate Update
Injury or Surgery Recovery: Mishaps versus Setbacks
See Something, Do Something: Cookie's Lumpectomy
Cookie's Lumpectomy Update
Using Pressure Pads to Evaluate Lameness in Dogs: My Observations