Join Date: Jun 2009
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I don't have it for Kodi, nor do I have it for my horse, where medical bills are potentially MUCH higher. We have money in savings, and if we need to use it for health care for our animals, we will. We don't have a separate savings account for animal health, but we have enough in our family accounts to cover an emergency such as this.
Also, I'm going to bring up something else here that may not be a popular point of view. But IMO, animals do not have any sense of the LENGTH of their lives, only the quality of their lives. I would not hesitate a moment paying for orthopedic surgery for an animal that could then go on to a good and lengthy quality of life thereafter. I would NOT be willing to pay for very expensive chemotherapy that might give my animal a few more months of deteriorating health. I think we do that sort of thing for ourselves, not for the animal.
I would not agree to colic (abdominal) surgery on my horse, because it is terrible surgery with a long and extremely painful recovery period, and a large percentage of horses who have had colic surgery die later of another colic. This is why I do not have life insurance on my horse. (which is very common due to the individual value of show horses, which STARTS at about 10X what a Havanese costs) If he were insured, I would have to negotiate with the insurance company over colic surgery or whether I could put him down to save him that pain and suffering. I never want to be put in that position, so I might as well not be paying premiums.
Likewise, even with orthopedic surgery, I would want to weigh the length and difficulty of the recovery against the age of the animal. I would be willing to consider major orthopedic surgery on a young dog, but probably wouldn't be willing to put a 12 or 13 year old through the same surgery.
So, to some extent, the amount I am willing to pay for healthcare is also somewhat limited by what I am willing to put my animal through. The only times I have had regrets about putting an animal to sleep have been times when I tried too hard and waited too long, causing more suffering than needed for the animal. I have never regretted ending an animal's suffering too soon. As a result, I feel pretty confident in our decision to "self insure".
Karen, Kodi, Pixel and Panda
(ARCHMX Starborn Kodak Moment CGC, NTD, BN, PCD, NA, NAJ, CDX-CCH, RE, RLV, RL1X3, RL2X4, RL3X3...
plus Starborn's Picture Perfect & Nauti Herd Compact Flash RN, CGC, NTD, SN-C, RL1)