Most people tell me they’ll do anything to keep Fluffy alive. They tell me they don’t need an estimate. They say, "Whatever it is I’ll pay it." I hand them an estimate anyway. Next thing I know, they’re looking for a less costly alternative. Usually, I find one for them. It’s always at the expense of their pet’s safety or comfort, but it’s usually a reasonable alternative given that not all of us can afford premium quality healthcare. (As a single mom, I understand this reality better than most of my well-heeled clients for whom Fluffy just wasn’t considered when they planned the budget.)
Most people just don’t understand how far veterinary healthcare has come. When I hand them an estimate, it’s state-of-the-art care I hope I’m offering. We do ultrasound-guided biopsies, CAT scans, MRIs, myelograms, root canals, and more (not all are available on-site in our dinky, little, strip mall space but all can be arranged).
To be sure, most people can’t afford these procedures—not for their pets, and, without health insurance, not for themselves. Our services and their expenses are therefore viewed through this jaundiced lens when considering their value:
But I don’t even pay that much for my healthcare!
I have a one word, two-syllable reply for that one: B---s---.
Add it up. Or don’t—you’ll depress yourself. Human healthcare expenses are huge!
But that’s another post.
Nonetheless, best-quality vet care is expensive, indeed. One MRI: $1000 to $1500. Knee surgery for a common large breed malady (cruciate ligament rupture): $1500 to $3000—per knee. Bladder stone surgery $750 to $1500. Ouch!
At some point all of us (including vets) feel the pinch (or punch) of pet healthcare expenses. Some of us, regrettably, have to euthanize our pets because we can’t afford our pet`s total hip replacement when life without it becomes too painful. Double-ouch!
Still, it’s wonderful, at least, that we have choices. As long as some of us can pay for these services, should they not be devised, researched, and made available to the general public? Of course. And, IMHO, once pet insurance becomes more mainstream, getting cutting edge care might not be such an impossibility for even the lowest-income pet owners among us.
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It would be interesting to do a survey to see if there's a correlation between attitudes about the costs of veterinary care and the pet owner's personal health insurance status. I haven't had health insurance in over a decade (not by choice, but no one will insure me), so I have to pay all my medical expenses myself. I know what things costs (for example, $1200 for the services of an anaesthesiologist for a 45 minute surgery, $2500 for the services of a surgeon for a 45 minute surgery, $800 per day for a hospital room, etc.), and to me, it makes veterinary costs seem incredibly reasonable! When I see charges like $105 for a complete bloodwork panel for my dog, including thyroid, I know for a fact I'll be charged $365 for those identical tests if I ordered them for myself. It certainly gives me perspective that many others don't have, especially those who just have $10 co-pays for their health care.
Leigh-Ann September 19th, 2006 12:21:00 PM
I believe pet insurance is something every responsible pet owner should have. There are plenty of plans to choose from nowadays. If you can afford a cell phone, you should be able to afford pet insurance for your beloved furry pal.
PS: I love your blog!~
Toby September 19th, 2006 02:03:00 PM
Right on! Pet health insurance may not be for everyone but if you don't have much room on your credit card and you support a pet you'd better get moving and get some pet health insurance. No excuse.
Dr. Patty Khuly September 19th, 2006 04:11:00 PM
Do you recommmend any pet insurance companies to check out in specific?
Amanda September 19th, 2006 09:40:00 PM
I`m sure others are good, too, but I typically recommend VPI because I have the most experience with them.
Dr. Patty Khuly September 20th, 2006 10:29:00 AM
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