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KEY POINTS
- In 2024, two of my senior dogs took their last walk, but not before running up enormous vet bills.
- I had refused to get pet insurance on them when they were younger, and it cost me dearly.
- In fact, had I gotten pet insurance, even in their golden years (but before they were sick), I would have saved thousands of dollars, and my sanity.
As a dog owner, this year was rough. I said goodbye to two of my seniors after a valiant battle with the ravages of time. It was a fight I knew I’d never win, but also one that I went into without the armor I really needed — namely, pet insurance.
I didn’t have coverage because when they were young, it felt like pet insurance wasn’t the right choice, and when they were older and I looked into it, they’d already developed so many chronic conditions that it seemed like it wasn’t really worth covering the what-ifs that were unlikely to occur at that point.
So, last winter, when we hit a really rough patch with their health, it nearly broke me. Both financially and emotionally, if we’re being honest here.
What it costs to skip pet insurance
All told, Paul and Jasmine cost me something in the neighborhood of $5,000 in their last year on this Earth. Between diagnostics, medications, special diets, more diagnostics, new issues, and their eventual euthanasia and cremations, the bills just never stopped.
But if I had gotten them pet insurance before Jasmine’s cancer diagnosis in 2022 or Paul’s many heart issues in 2023, it could have been a lot different. I re-quoted those insurance premium prices with my carrier, Spot Pet Insurance, for this story, and for $5,000 worth of yearly coverage each, with a $250 deductible and a 80% reimbursement, I’d have been out $115 for Jasmine and $85 for Paul each month.
To put that differently, with even a less than top tier plan, it would have taken two years to spend enough on insurance to even come close to what I spent in cash during their last six months. I would have been miles and miles ahead.
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