These days, cats and dogs are family. Along with all the good times, comes a heart-wrenching decision, should your pet have a medical crisis you can't afford.
"Those are the ones that are going to cost a lot," warned veterinarian Dr. Andrea Powell. "It's the emergencies, the accidents, you know, that you just don't plan for."
In a sense, you can plan for some vet bills with pet insurance.
You can get a quote online. About a dozen companies offer it, with premiums between $10 and $80 a month.
Just like our health insurance, the prices changes depending on what's covered, plus deductibles and co-pays are possible.
Still, some say it's a good idea.
On the plus side, insurance softens the blow of surprise vet bills.
On the down side, existing conditions can be excluded. And since many plans only pay for accidents or emergencies, regular check-ups remain an owner's expense.
That's where veterinarian Michael Certa steps in. He works Banfield, the pet hospital, inside Petsmart stores.
Banfield offers preventive care packages, called wellness plans. Starting around $30 per month, exams are unlimited.
"Depending on the level of plan, they may include neuters and spays for our younger animals. Blood work, and then dental cleanings as well," he explained.
But, emergencies are not included.
Dr. Certa finds some pet owners combine wellness coverage with insurance.
No matter what you do, check the fine print.
And perhaps the simplest suggestion is starting an emergency fund. Setting aside a little money each month will ensure you won't have to worry about finances when your best friend needs a doctor's attention.
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