#And I'd rather people know the realities they're walking into than be unprepared for the cost of treatment

[louisinart]

PSA for folks who just got a cat/dog or are considering getting a cat/dog from former vet receptionist:

As early as you can, sit down and ask yourself the question: am i willing to let this critter get very ill and/or die without medical intervention? Am i willing to watch them decline (or choose euthanasia) and not take any steps to prolong their life? I know it sounds harsh, but I've met people who both love their pets and don't see the point in putting a dog through chemotherapy. Personally, I don't see the point in casting judgement on those people -- including if you discover that you're one of them. If this is you (and you're really, really sure about it), you're all set.

If instead you end up deciding that the life and wellness of your pet is worth fighting for, sign up for pet insurance. Do it right now. Do not pass go, do not collect $200, and (if you can) avoid the vet until you have. Many pet insurance companies refuse to insure animals with a preexisting condition, which means anything that the vet finds could damage your ability to get covered. Even if they were examined at the shelter, there's a chance the shelter vet missed something that your neighborhood vet won't. Don't take that risk! It's better to have insurance when you don't need it than not be able to get it when you do.

And I can hear you asking: what's so important about having pet insurance anyway? And the answer is something every pet owner will eventualy learn: Vet bills are medical bills. At the vet i worked at, check-in appointments were $75, meds could run you anywhere from $30-100 a bottle, and most non-routine surgeries (which are the majority of surgeries) cost thousands. I once watched a family rack up $16,000 to bring their dog back from liver failure. In my personal life I've met people who are saddled with thousands in medical debt for a pet that didn't end up making it. Vet bills are medical bills and, like medical bills, they can ruin your life if you're not ready for them.

At the end of the day, when you adopt a pet you are also committing to care for them when they're old and sick. It's not a question of whether you'll need to get medical care for your pet but when, and its Very Easy to only realize you need pet insurance when it's already too late.

Short of hoping they go missing when they're still young, in my experience you have three options: get pet insurance, commit to not treating medical issues, or take on thousands of dollars worth of costs. How you navigate that choice is up to you, but I would strongly advise avoiding option 3.