This might be a good time to mention why pet insurance can be a good thing.
Angel, the puppy with the fractures, was euthanized yesterday afternoon. Even with surgery, the long-term prognosis was guarded, and I'm not sure what the orthopedic surgeon would say, as we never got that opportunity.
The reality is that with such trauma cases, it comes done to the cost of treatment. Not the treatment options or prognosis. Now, I admit, even I would have trouble coming up with thousands of dollars for diagnostic tests, surgery. Everyone's situation is different.
And I'm not being critical of the decision. In hindsight, Angel only came to the hospital because she had gotten ran over. Did she get her puppy vaccinations? No. Was she receiving flea or heartworm medication? No. Was she covered in fleas? Yes. Spayed? No.
She could have died from parvovirus in a month. So the most basic of care, for a puppy, was lacking. And that only cost $35. So if $35 is a financial burden, then $3500 is probably out of reach also.
$3500 is probably out of reach for lots of people. Even those making sure they get the basic care - vaccinations, flea medication, heartworm prevention. This is where pet insurance can save your pet. It is much easier to come up with a $75 deductible, and 20% of the bill ($700) than the full $3500 out of pocket.
We have a few clients that have pet insurance, but not many. I think it's something that people don't realize it's available until they need it and then it's too late.
Two of the companies that we recommend to clients is Pets Best and VPI. Click on their links and check them out.