Saturday, February 03, 2007

Pet Insurance

I'm nearly ready to take the plunge. Last time I checked, though, veterinary health insurance was going to run me $75 a month. So I've been stalling. Granted, I've been paying my estranged husband's health insurance for 3 years now, which was considerably more and will hopefully go away in the not too distant future. But Oy $75 a month plus sending in receipts and whatnot. I'm so bad at that. I never mail in rebates or keep track of expenses as I should. But budgeting is becoming a necessity--an urgent one--so I'm thinking that making the dogz's health care a regular monthly expense will give me peace of mind.

When I visited my friend in Vietnam her cat wore a flea collar. It caught me off guard. I'd forgotten about flea collars.

Remember flea collars?

You'd buy them at the grocery store, manufactured by Hartz or Sargeant's and they'd sort of work but you'd still find the occasional flea in the fur or hopping on your arm.

Of course, my middle American suburban dogs get monthly chemicals instead: expensive topical formulas that somehow prevent heartworm as well as fleas. Before that I used two expensive formulas--one ingested, one topical, I think. At any rate, I don't know of anyone who uses a flea collar in my canine social circle. Flea collars seem so primitive. SO AFFORDABLE!

Granted, the dogs I saw in Vietnam all seemed a bit, well, scurvish. Even the sweet cocker spaniel I met at lunch with some expats by the lake seemed rather lumpy and dull coated. But I can't say that dog has a lesser quality of life than P and B.

Who am I kidding? Of course I think my dogs are healthier than that dog. Maybe happier--that's hard to say. Dogs have a gift for being happy under most conditions. Including fleas.

So the insurance isn't about my dogs' happiness--maybe it's not even about their health since I'd be unlikely to let expense prevent me from providing them with whatever medical care they'd ever need. The pet insurance is all about me. Will it make me feel more secure as their guardian?



Blogger Martha said...

I looked at this for our puppy dog. Couldn't figure out if it was cost effective or not, but it seems like we drop big bucks at the vets regularly so maybe it is worth it. We have a bunch of boosters, etc. coming up in a year, so it could be cheaper to have the insurance...does having 2 dogs make it even more worthwhile?

OF COURSE your dogs are happier than those mangy ones you met! ;)

6:23 AM  
Blogger senioritis said...

$75 per dog, or for both of them? I've wondered about pet insurance for our 4 cats, because we sure do rack up some vet bills.

7:55 PM  
Blogger Justin said...

Taking care of pet's health is our obligation... And with these insurance schemes, it has become only easier

4:11 AM  
Blogger 2blackdogz said...

Last I checked, it was going to be $75 for both, not each. I think the figure scares me because I'm about to be a single-head-of-householder with an impossible budget.

5:19 PM  
Anonymous Lea said...

This is great info to know.

5:23 AM  

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