Should I Get a Dog?

According to the Centers for Disease Control and Prevention, pets can decrease blood pressure, cholesterol and triglyceride levels, and feelings of loneliness. A study from the University of Missouri even found that older people are likelier to take regular walks when their walking partner is a dog.

After recent health struggles with both of our dogs, I’ve been reminded how expensive our beloved pets can be. Our Golden Retriever who passed away last fall had extra medications for allergies and arthritis for the past few years, in addition to supplies to help him walk safely in the home and up and down the steps to go outside. Our younger dog, a Golden Retriever mix was in really good health and was a great walking partner. After a few run-ins with cats and rabbits in the backyard, she’s been diagnosed with two torn ACLs and will require two separate surgeries over the next six months to repair them. With certain dog breeds becoming more popular, backyard breeders who skip health screenings for common conditions and have less than favorable breeding facilities have been found all over the country.  Just yesterday, I saw that authorities rescued 85 dogs from a puppy mill in a neighboring county.  Many of these dogs will likely have health and behavioral issues that will need to be addressed by their rescuers and new families, some of which may last a long time.

Understanding the financial commitment before you adopt a pet can help ensure that you are ready for it.  One of the questions I get is, “Should I get pet insurance for my new pet?”  If you are able to put aside money every month into a pet fund and you have an adequate emergency fund for other expenses, you may not need pet insurance.  If not, here are some tips on deciding to get pet insurance: 

1.        Type of Pet: Certain breeds or species may be more prone to specific health issues or genetic conditions. If you have a pet with a higher likelihood of needing medical attention, insurance could be beneficial.

2.       Age of Your Pet: Insurance premiums are often lower for younger pets, and coverage is typically easier to obtain. If you have a puppy or kitten, it might be a good time to consider getting insurance.

3.       Pre-existing Conditions: Most pet insurance policies do not cover pre-existing conditions. If your pet already has health issues, insurance may not be as cost-effective.

4.       Routine Veterinary Care: Some insurance plans cover routine care, vaccinations, and preventive measures. If you want comprehensive coverage, be sure to choose a plan that includes these aspects.

5.       Emergency Situations: Consider the potential costs of emergency veterinary care. If you're not prepared for a sudden, high-cost medical situation, insurance may be a good idea.

6.       Coverage Limits and Exclusions: Carefully read and understand the terms and conditions of any insurance policy. Be aware of coverage limits, exclusions, waiting periods, and any other relevant details.

As with many things, getting a pet is not about the money.  If you desire the companionship and love that a pet can offer and are ready to take on the long-term commitment, time, training and responsibility of being a pet owner, being aware of the financial commitment is also an important consideration.  You may be able to have the company of a pet without putting yourself at financial risk by fostering.  Many rescue agencies provide everything necessary for you to care for a pet including supplies and vet fees.  You just have to provide the home and care of the pet until they are adopted.  This is a good way to test out if you are ready for a certain type of pet, see if they are a good fit for your home, and also gives you the option to help out without making a long-term commitment.