<p>^^^Exactly. Vet costs are huge. When I was in high school, my dog got cancer. Back then, there were no sophisticated ways to treat, but even so, just for a year of treatment (no surgery, no chemotherapy) (and my parents shopped around for the medicine to save money), my parents ended up spending somewhere close to $10,000, with the costs going up to somewhere around $300 a week towards the end of his life. And again, these were not any really advanced treatments (nothing like that was available).</p>
<p>I adopted my dog from a volunteer rescuer, and she told me a story about a couple that fostered one of her dogs. They took the dog up on a roof (I live in NYC, so I guess it’s not that unusual), and the dog jumped off. They rushed him to the vet, and the cost was $20,000. This story has a happy ending, as the doggy pulled through fine, and the couple adopted him (and paid the vet bill). Now, you may not take your dog up on a roof, but any sort of a fall or hit by a car accident could result in similar bills.</p>
<p>I know my area is a lot more expensive for vet bills, but from everything that I’ve heard/read, a dog developing an issue that costs $10,000-20,000 over time is not that unusual (and if we are talking about English bulldogs, they have more health issues than most breeds). Even insurance that is very expensive is a good deal, in my opinion, unless you have the means to save that kind of money (and remember, an issue may come up a month after you get the dog, so you don’t even have the time to save).</p>
<p>I can tell you from personal experience, I only wish I could have insurance for my other pets. I have a guinea pig that developed as of yet undiagnosed, very serious condition. I had savings for my pets’ vet bills, but even that has not been enough. The costs are in the thousands and growing. I will absolutely always give her the medical care she requires, but, boy, do I wish they had decent insurance for exotics. If insurance is available for your pet, get it.</p>