Pet Economics 101 How much do you spend on your pets? (and what it means)

August 4th, 2008  

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Here's a link to the study:
http://avmajournals.avma.org/doi/abs/10.2460/javma...

Dr. Patty Khuly August 4th, 2008 10:30:00 AM

I'd be curious to know if this study was based on cat/dog households or households including exotics, birds and or "pet" livestock.
I think there is probably a good portion of white, educated, middle or higher income households that do not take their non-standard (dog and cat) animals in for vet care, regardless. This opinion is based soley on my personal experiences.

Spazzy August 4th, 2008 12:25:00 PM

Because of my experiences & education in veterinary medicine, I'm grateful to know plenty of "tricks of the trade" that allow me to save money when it comes to my pets' care (4 cats, two dogs). I can collect and analyze my own pet samples and only cost the clinic a microscope slide/coverslip or a few mLs of reagent/solution. I know enough about veterinary drugs and procedures to do a lot of it on my own or at least find a less expensive way. I'm able to give my animals a very good level of care - but only because of what I've learned. I'd for sure have a hard time affording the same kind of care as a regular consumer, especially at my clinic. Then again, when I sit down and think about it, even though some people think we are overpriced, I think our prices are pretty fair - they reflect not only the supplies necessary but also the expertise, time, and effort to provide those services...along w/a decent profit, which is necessary and deserved. It's definitely tough to see clients grimacing at estimates when I know I'd be in the same position, especially when it's younger people (or the elderly on fixed incomes) who really have a hard time affording just the basics, let alone the costs for emergency or urgent care. It's a tough situation and I have no idea how it will work itself out - in fact, I see it getting worse before it gets better.

anna August 4th, 2008 02:48:00 PM

What ever happened to only owning what you can afford? It breaks my heart that people can't afford to have pets, but if they can't then they really shouldn't. Pets aren't like toasters that can sit around and wait for a paycheck to come in for 'repair'

I see it all the time on answers.yahoo.com and other public forums "my kitty has X and I can't afford treatment, what do I do" or "My kitty has X symptoms, what is wrong with it??"

now general info before going to the vet is one thing, but most of those last examples do not want to go to a vet for fear of the cost. they want strangers on the net who have never seen or touched the kitty to diagnose. It is scarey!! oh the damage that can be done. (sorry, am I preaching to the choir?)

You ask what can be done.. well maybe better regulations on pet ownership?? more education on the true cost of getting a 'free pet'? how about getting news or media outlets to do more stories on the suffering of these type of pets - and less of the OMG how cute is 44lbs of cat! stories.. ?

Unfortunately, until we get the pet over population under control, there are going to be more pets than common sence, and there isn't much that can be done.

Connie August 4th, 2008 04:18:00 PM

companion animals are sometimes the only interactive, totally indiscriminate contact an indigent has left to hold on to.

Consiering that not being able to pay for human health care, for the same reasons they can't pay for pet healthcare.

Go ahead, the misery of a few cases outweighs the benefit of the greater good.

Tax 'em, license 'em, register 'em, and charge exorbitant fees in order that only the "conscientious" will pony up. There are after all, a few mental giants that could cure the ills of this world, if we would just let them legislate the cures into existence.

you had an earlier post, Doc, where it was mentioned that the same folks that seek healthcare ins. for their pet are the same ones who have healthcare coverage for themselves.

Duh?

eli August 4th, 2008 05:06:00 PM

This is purely my perception, but it seems that all veterinary rates are not equal. My comment is based specifically on having lived in two different locations within the past three years. One location is home to the "$30,000 millionaire," where the stereotypical resident lives the good life (i.e., above his means via credit cards). I've found healthcare for my kitties to be significantly more expensive in that area than it was in the second area. The second area is made up of people who seem to put less value on material items, perhaps because the median income is lower. I was pleasantly surprised to find that my kitties' healthcare was both more affordable and more thorough (at least, that was my perception).

So, where am I going with this? I've often wondered why there is a gap in pricing between the two areas. Is it necessary to charge higher rates in the first area, or is it simply "market" pricing for that location? If the market is driving the rate rather than the cost to run the business (i.e., higher margins), then I believe it is incorrect to say that higher standards support higher prices. Instead, I'd argue that it's more important to set prices that a larger number of pet owners can afford.

Another option would be to offer sliding scale pricing for services. On the one hand, you could argue that it would "punish" the higher income pet owners. On the other hand, you could also make the argument that it has positive public health benefits by making healthcare accessible to a larger population of pets.

Pricing aside, I think Connie's on to something with the suggestions about public education and regulations. For example, Dallas just passed legislation that requires residents to register and spay/ neuter their pets. The legislation is aimed at reducing animal overpopulation, and it allows for exceptions when medically necessary (and for breeders).

Posey August 4th, 2008 07:36:00 PM

I will have finished 9 years of higher education by the time I start practicing. As it is, my loans are more than double my sisters mortgage. If vet services were priced so that everyone could afford them I doubt that the clinic I will one day work at could cover all of its expenses, let alone pay me a salary that would let me pay my loans and eat. I can't afford to subsidize other peoples pets. I don't have any of my own right now because I can't afford them.

In terms of veterinary cost varying from area to area- its tied somewhat closely to the cost of living. In high cost of living areas staff has to be paid more. The building is more expensive (rent or mortgage). Utilities cost more.

I don't mean to come off harsh, but I really believe that if a person can't afford the pet they shouldn't have them. At the very least routine care, but people should be prepared for emergencies and know how much they are willing to spend. It is not the vets fault that you (the general you) never thought about what would happen if Fluffy ate rat poison. He/she is not the bad guy because you don't have the money to treat. He has to pay his staff and his bills whether you pay or not.

You don't go into the grocery store and expect people to give you food for free. You don't expect your mechanic to not charge you because you need your care to get to work. Your doctor doesn't discount his services- if you can't pay you're sent to collections or to a free clinic.
I can't for the life of my understand why so many people expect vets to work for free.

(I've also been working as a receptionist in the practice for the last week and have been yelled at for pricing more times than I care to remember. And we are not the most expensive practice in the are.)

Alli August 4th, 2008 10:50:00 PM

@Alli: I was in a large, 14-doctor practice in a wealthy part of northern California some months back. I asked one of the owners how he helped prepare clients for expensive veterinary bills and emergencies costing thousands, like bloat etc. His answer: don't talk about it. The doctor feared creating the impression that, as a veterinarian, he cared about money. Sadly this doctor's perspective is not unique, I've heard it numerous times since.

The veterinarian is in a tough spot: s/he wants to offer the best care available and have the latest equipment and drugs on premises. But the fear of putting fees up squeezes margins and lowers veterinary take-home pay. Yet clients still moan about the high cost of modern veterinary medicine.

I think the bigger issue is value and I think Warren Buffet says it best: price is what you pay, value is what you get. Veterinary offices are good at explaining what you pay, less so at explaining what you get. JAVMA had an article on just this topic earlier this year and the takehome lesson: veterinarians who explain what they're doing, why they're doing it, and why they have to charge what they charge are the beneficiaries of increased customer satisfaction.

Alex August 4th, 2008 11:21:00 PM

As a member of several national/international breed clubs, medical issues always enter the conversation. The prices/values for services vary so widely, I get lost trying to compare. Oddly, some regions that one would expect higher prices, aren't necessarily--I have no idea why.

But I am thinking about other sentences in the blog & comments. People that have the ability to afford all the care, aren't necessarily willing to do so. Don't judge the cover... For sometime, I had preconceived notions as to what kind of couple or family I should place pups or rescues with (and they were one and the same); including "age". After a few conversations, I realized how darn "thoughtless" I was and how I would feel if someone refused me as a home when elderly.Twice I ventured into that category and have not been disappointed.

Should lower income be deprived of owning pets? I don't think so----sure never were when I was growing up. And vet visits were few and far between. Yes, some did meet early death, but veterinary care wasn't sophisticated either! Thyroid test? Never mentioned until well into the 90's--
Complex surgery? Surgery for what, would be the question.

Redundant comments from me: diagnosis was made with the eyes & touch, treatment was simple and basic.

Barbara A. Albright/New Hampshire August 5th, 2008 12:26:00 AM

As a former vet tech, I used to subscribe whole-heartedly to the "if people can't afford veterinary care then they shouldn't have pets" school of thought. This, despite the fact that if it weren't for the significant employee discount I got on services, I couldn't myself have afforded the care I wanted to provide for my pets.
But now, as a home health OT working with mostly geriatric and often indigent [human] patients, I see how much these people truly love their pets AND... the pets are truly happy.
Sure, the pet eats bargain basement crap kibble out of an old tupperware bowl and probably hasn't seen a vet in, well, forever.
But I'm not talking about people who just toss a dog in the back yard and forget about it but people who really do spend a lot of time with their pets. They just don't have much money to spend on them. Sometimes that pet is the main reason they get up each morning. And is it really so horrible for a pet to live like that, perfectly happy, for however long and then when it does get sick or hurt it is humanely euthanized because the owner can't afford treatment? That result is probably - IMO- harder on the pet owner than on the pet itself. It might be a shorter life than it would have if it lived with you or me... but it's sure a heck of a lot longer and happier life than the pet would have if that person wasn't allowed to keep it and it went to a shelter.
I guess I'm saying that even a poor home is better than no home at all! But it would be lovely if there could be workable financial assistance to help the poor pay for vet services. That would be a GREAT use for the Helmsley fortune!! :-)

Barb August 5th, 2008 12:39:00 AM

Alli, I hope this doesn't sound snippy. But there are lots of deserving people that can't afford or feel that they can't take the chance of saddling themselves with the cost of higher education. And some that do, live a pretty conservative life-style post graduation to pay those $$$ back.

I see results of the automatic thinking that degree=high income=lots of material goods & the high life. And I am speaking in general, and not focussed on medicine.

Barbara A. Albright/New Hampshire August 5th, 2008 12:40:00 AM

Posey, have you actually READ Dallas's new law? The exemptions for breeders haven't materialized. The forms aren't available yet to apply for an intact dog permit and there are less than 8 weeks before my intact dogs need to be altered or moved out of the city in order to be in compliance. (And no estimate on when they will be, since the shelter is a mess with the director turnover thing AGAIN.)

I agree with Barbara on the income =/= care thing. My parents are very well off but are really bad about keeping up on routine stuff for their (healthy, normal, 95% indoor) 16 year old kitty. I'm NOT well off but my guys DO go in when they need to.

Cait August 5th, 2008 02:22:00 AM

income does not always mean that the higher the income the more likely the person is to spend it on their pets. I have rarely met a rich person or even one well off (and I know a few) that do anything more than the bear minimum of care for their pets.
I do not believe that people should not have pets if they can't afford them, I believe that pets enrich and encourage people to reach further in their lives and provide something that nothing else can. There should be programs for people like that beyond the state funded s/n programs.
Vets in my area vary on fees, but are on the high end of the scale and that certainly discourages those cleaning houses and washing dishes from providing the best care they can, but it does not mean they should have a pet.

LorriM August 5th, 2008 04:32:00 AM

As a disabled person on a fixed income, my cats have been my lifeline -- when my migraines were so painful, I couldn't do anything but lay in bed, they were THRILLED to spend the day curled up to next to me. At least, I thought, I'm a heat source for my cats! I was in too much pain to calm myself with my own breathing, but by listening to THEM breathe, I could calm myself down and deal with the pain until it finally went to bearable levels.

Sometimes, pets are the only emotional link we have. One of my dog park collegues who works with rescue says that the dogs of the homeless are usually the most socialized, outgoing dogs she ever meets -- they are a joy to be around and she tries to find them foster homes while their humans are undergoing treatment. It would probably be better for all concerned if the homeless could take their dogs with them when they undergo treatment, but we aren't there yet.

i would love to see some sort of program where vets can meet their costs and low-income, especially the disabled and homeless, can be assured that their companions -- and they truely are companions -- can get the health care they need.

Dorene August 5th, 2008 09:35:00 AM

Many of my friends don't make a lot of money but take excellent care of their pets. Of my two upper income friends, one takes horrible care of her dog. The dog gets appropriate vet care but she leaves the poor things for way too many hours every day - resulting in almost daily potty accidents. This, from a woman who spends $500 on a sweater without batting an eye. My thoughts - skip the new sweaters for a while and get a dog walker.

The other takes her cat for vet checks etc, but feeds the cheapest food out there, depsite knowing all about the problems with grain based food. When her last 'beloved' cat was sick, said she wasn't going to pay over a certain amount ($1k) for care (before she knew what the problem was). My thoughts - if you can afford to spend at least $2k on luxeries like new clothes, vacations, etc. yearly spend what it takes on your cat and skip the vacation next year.

Yes, everyone has financial limits, but it always suprises me that the higher the income, the more rigid are the amounts folks are willing to spend on their pets. I guess its a matter of priorities.

2CatMom August 5th, 2008 11:48:00 AM

Cait - that really stinks about Dallas' inability to support the ordinance. There are no perfect laws, and I was bringing up Dallas as an example of trying to mitigate animal overpopulation. Unfortunately, as you pointed out, they haven't gotten up to speed quickly enough.

I want to become a veterinarian so I can give back to the community via low-cost or free care to those who can't afford it. So, when I read Dr. Khuly's post on this topic, it hit home. I'm over-simplifying a bit, but I believe this is a possibility. There are vet clinics who offer lower-cost services to animal shelters, and there are mobile spay/neuter services that offer low-cost or free care.

Posey August 5th, 2008 11:53:00 AM

There does need to be some resource to assist the truly needy with veterinary expenses. Perhaps if private vets donated time pro bono as many attorneys do. The burden could be distributed among many instead of borne by a few.

The challenge is qualifying who should be eligible for free or discounted care. There is sandwiched between the haves and the have nots a group of people who simply don't want to pay for vet care and will attempt to abuse such a system. I am on a number of pet listservs and I see it often, people who try to avoid taking their pets to the vet by cadging advice off of group members or, if there is an on-list vet, from him/her. I just want to scream: take your pet to the doctor already!

I am not wealthy. I have on many occasions had to pay for vet care on credit when I was already in debt but I believe that if you have a pet, you have an obligation to care for it. At the same time, I do not want to see pet ownershiip to become solely the purview of the wealthy. I think finding a solution is critical.

Susan August 5th, 2008 12:07:00 PM

I think there are two issues: (1) people who can't or won't pay for vet care at all, and (2) those who can't afford expensive care.

For the first, I think that free or low-cost or subsidized clinics are the answer, especially for routine care such as vaccinations and spaying/neutering. There was a recent article about a clinic in San Francisco that reaches out to care for the pets of the homeless that I found interesting: http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2...

For the second, I'd like to see vets offer alternatives whenever possible for people who can't afford the best care. For example, someone who can't afford to pay for hospitalization might be able to give sub-q fluids at home, if needed, or presumptive treatment can be tried without doing expensive testing. A friend's older dog became ill, and her regular vet refused to do anything unless she agreed to all the tests he wanted to do, which included blood tests, x-ray and ultrasound, for a total of over $600. She refused, so no tests were done, and the dog died. My own vet would have done these tests sequentially -- no need to do an x-ray or ultrasound if the cause is obvious from the blood work, and no need to do the ultrasound if the x-rays give you the answers you need.

My vet is great about telling me all the alternatives and letting me choose. I've heard of vets who offer only one option, which may be either less or more than the client is able or willing to spend (some vets assume a client won't want to pay for certain expensive tests or treatment and so they don't even bring them up). Accepting that there may be lower-cost alternatives that, while not as good, are better than nothing, might help vets offer their clients options that they can afford.

Mary Straus August 5th, 2008 12:46:00 PM

Some of you read about my questions regarding Allergies or was I just taken for a ride post last week.
Let me make a point from a different view. I spent 400 dollars in one visit. The money wasn't the problem. I would have hocked my home to save my girl. The problem was the vet did not tell me what the course of treatment would be. Just shot of this, creams, shampoo, drops etc. which was great. But I was then to my surprise when we went for the follow up he said "See ya next year!" Never said which med had worked, nor even how to prevent it from re-occuring. I found out more from searching the web during her 2 week treatment then I found out from my vet from my point of view!
And I think the main problem is grain based foods. But the vet didn't tell me that! Lol!
So, Yes, I do feel that the high costs can be warented. And yes, my own ignorance and trust in Purina (whom I used to work for) was the main culprit. But I do not feel that just because I was ignorant and un-wealthy I don't have what it takes to love and nurture an animal. All of my dogs have lived to be 12-16 years old. I got each and every one either from a bad home or from our local shelter.
And untill we have spayed or nutered every animals and there are no more strays running the streets I will continue to adopt them. They will get there shots and microchipping and be spayed etc. as the law requires to adopt from our shelters. And, Yes I will baulk when the next one needs vet care. But I will do withought, just as I have this month to pay for that care if it seems to be resonable! Just explain it please doc!

Lori August 5th, 2008 01:58:00 PM

Susan: I have to say that I don't know any vets in my area that don't do a certain amount of work for free or very low cost. Most here do very low cost spay and neuter for our shelter. The animals all get the same standard of care. Any animal coming out of the shelter gets a free exam and the next vaccination that is needed is free at whatever local vet they choose. They all participate in the TNR program for cats which is free. My own Vet has certainly given me discounts on the treatment of my dog with Addison's. Her words to me were, "there has to be something in it for you for all you have done for him". There is something in it for me, I get to keep him healthy and happy and I get to spend more time with him.
So yes the Vets in my are certainly do more than their fair share of free work. No one asks the bank employees, or the computer shop people to work for free on any kind of regular basis that I know of.

Elizabeth - from Nova Scotia August 5th, 2008 04:19:00 PM

Actually, IT people get asked all the time for free help with computers/networks/whatever. My husband is the ultimate soft touch -- we've always got a couple of computer in the office that belong to some non-profit or a friend -- and he never asks for payment, even though I personally think some of these folks are using him. This, on top of a 60 hour a week job managing a medium sized business' network. . .

It's ain't just vets -- anyone who can "make something better" whether it's creature or machine, gets "the ask."

Dorene August 5th, 2008 09:00:00 PM

I am heartened by these posts, to read thoughtful and practical responses to address a serious need to benefit pet owners and their companions. The inequaties area to area, make it so hard to achieve (wealthy, high-cost areas and opposite) a good system, just like the s/n programs & funded shelters.

Elizabeth-N.S.: Your're right, professionals are somewhat expected to offer a certain amount of pro-bono work. It makes for good community relations and benefits are derived. I liken it to the many folks that are volunteers in some capacity---many of the readers that do foster care, church and social organizations, charities, etc. The postal service has a yearly pickup for food goods to stock local pantrys----just like the boy scouts, 6 months later.

Barbara A. Albright/New Hampshire August 5th, 2008 09:29:00 PM

Doreen: I agree about IT people being asked to fix computers all the time, that's what I do and I do free stuff all the time and yes people do take advantage. But I don't see it as quite the same as the Vets doing their work for free. They have staff who help out on these neuters/spays/treatments and someone pays their salary and they use supplies all of which have to be paid for. It certaainly is more than just their time they are giving.
When I fix computers for free if I use parts to fix them they are usually used parts I have laying around that don't cost me much if anything at all. I do give a lot of time to it but I am not paying any of employees to work on any of this.

Elizabeth - From Nova Scotia August 6th, 2008 01:11:00 PM

I have to say to those with the moto can't afford it, shouldn't have it. You don't have a clue. Nothing in this economy is stable. I had a nice home, good money coming in and a great job. It all ended with an accident at work. Now it is a temporary situation. Shouldn't last a lifetime.
BUT I simply can't afford the care my animals need now.

I spent 17,000 on vet care a lil over yearago. Yep hats right 17,000 on my horses, dogs and cat, in one year. Thats more than I spent on myself in five years.
I can't do that now. I can't even at this point afford the basic shots. So what am I suppose to do? get rid of them simply because I am having a rough though temporary time?
May the plate you eat on always be gold..............

Dawn August 9th, 2008 03:51:00 PM

I have spent, or am spending, or am trying to pay off my vet bill. Unfortunately, the dog and the vet bill will go away at approximately the same time.

If I had been smart enough to get pet insurance, my credit card company would not be dancing as a result of the interest I'm paying. Having a mutt (they are more healthy, you know...) (WRONG in my case), I never thought it necessary.

I know people who keep their dogs outside - my two sleep with us. Mine eat homemade chicken soup with their regular dog food (being Jewishs..) Maybe it has to do with being an empty nestor - but, I couldn't refuse costly cancer treatment for my dog. I, he, we weren't ready to say goodbye.

Pet insurance!!! That's my vote. However, I knew about pet insurance - rejected it because I never thought my pet would get cancer...Denial?

janet August 9th, 2008 07:59:00 PM

Dawn and Janet: I feel your pain. Student loan deferment. Credit counselling. Consolidation of my debt and a cutting up of credit cards...all thanks to my Sophie Sue. She's worth all the stress.

Dr. Patty Khuly August 11th, 2008 08:22:00 AM

I'm a person with a disability, who chose to raise and train my own Assistance dog from a puppy. I'm on a limited income, boosted only slightly by being an artist. I've been in numerous situations where an animal of mine was in need of expensive treatments, and struggled to afford it. There's a scant amount of foundations to help, which I have used in the past, but the funds are generally pretty limited.

I cannot imagine not having my current dog, simply because expensive treatments are a hardship. He's my whole world, and gives me independence, and happiness. For the last two years, he's had ongoing problems with his spine. He's had surgery for a bulging disk a year and half ago. I was given instructions to let him rest for just two weeks, then start going back to normal. Things were ok for a few months, but then I would see intermittent pain, where he was obviously having more issues. But the vet's work was done after surgery, and in order for me to find out what's going on, I would have to start over again with getting another MRI (which the first time was just about half the price of the surgery itself). Since he's already had major surgery, I don't know how good a candidate he is for more, or if that's even a good idea or needed.

Once again, I'm faced with trying to apply for funding through organizations. I just wish there were more resources out there. I wish that vets gave more than a 10% discount they sometimes do to working dogs owned by people on limited incomes. These dogs make our lives better in so many ways, and it's literally heartbreaking to not be able to get the very best health care in a timely fashion. I give him the best care at home, with a healthy, fresh diet, supplements and such. (He eats better than me!)
Interestingly, (and thankfully) I get significant breaks from a chiropractor, and a swim therapy place. But often times, I've gone to veterinary practices that are obviously trying to price gouge, despite the knowledge of limited funds.

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