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09-13-2015, 02:04 PM | #1 |
YorkieTalk Newbie! Join Date: Sep 2015 Location: France
Posts: 3
| getting older.... Hi! So I've got a 10 year old Yorkie named Meily, she's about 7 pounds and still acts like a puppy. However I'm starting to be a little concerned about the future, since she's getting older... this year she had a mysterious illness that took her to the emergency room for a 24 hour stay to be rehydrated, which cost about $1000. Most of the time, I don't really have money to spare, so after reading some stories on here about aging Yorkies and their health problems I'm concerned about what kind of state she could put me in, financially, if she at some point quits the graceful aging and develops bigger problems. She's not insured or anything. I've also got a cat, one year older than her, who cost me several hundred to have some teeth removed at the same time Meily had her health problem. Right now I'm almost out of a huge debt hole that I never want to get into again, but vet bills can very easily drag a person back into one. In fact, if it hadn't been for my cat and dog, I'd probably be out of that hole right now! lol Anyway... I'm wondering what I can do to prevent or prepare for age-related sicknesses that I may not be able to afford. So far, so good, but.... things happen. How do you folks with older Yorkies manage to afford their health problems? |
Welcome Guest! | |
09-13-2015, 06:29 PM | #2 |
Donating YT 500 Club Member Join Date: Sep 2010 Location: USA
Posts: 4,285
| If you don't have insurance what many of us do is to start a savings account that we put money into each month just as though we were paying for insurance. Gives you a little pool,of money when you need it that way. Some people get a credit card that they use for their pets only. Here in the U.S. We have Care Credit. You might look into that. Everything and everyone ages and more health care needs are to be expected for all of us
__________________ . Cali , and Cali's keeper and staff, Jay No, not a "mini" Yorkie - She loves to motor in her Mini Cooper car |
09-13-2015, 10:03 PM | #3 | |
Rosehill Yorkies Donating YT Member Join Date: Dec 2007 Location: Houston Texas
Posts: 9,462
| Quote:
Start preparing NOW for eventual future illnesses....you dont want to be blindsided by a major medical issue on your baby..... | |
09-13-2015, 11:53 PM | #4 |
YorkieTalk Newbie! Join Date: Sep 2015 Location: France
Posts: 3
| Hello! Well, I moved to France and although I really tried to find insurance for them, none of the insurance companies I found would take them on after they're 8 years old... :-( So it's not an option, unless someone knows of an insurance company that will cover them. I do try to save, but it's more like a general savings account that's normally empty because quite frequently I'm just living month-to-month. I finally have some money in there, but being self-employed, I usually expect the IRS (or soon, the French government) to take everything I manage to save throughout the year, and I am usually starting over (or in the red) in April. I'm trying to earn more so I can save more, but at this point I earn so little (well, I'm earning more, finally, but I'm putting a lot of it towards my debt to get rid of that) that it's hard to split up savings into IRS/buying a home/pet emergency accounts. The home-buying goal is a big one, since I do not want to have a mortgage, so I'm very frustrated that I have so little saved towards that! lol. I mean, I don't even know how much I have saved towards that until after the IRS takes their share of my income. What's left is my home savings. I'm trying my best to juggle everything and move forward, but after her weird health scare, I'm really nervous that she or the cat could suddenly cause me to lose any progress I make in the next few years. Although I could also have health problems, myself, I'm only 33 (younger than my pets! lol), and the French healthcare system is pretty good. Plus, I've never had any medical problems up until this point (except for some recent cavities). I think I've got a little time before worrying about what my health might do to my savings. Unless I get hit by a bus. But I've never even broken a bone, I'm pretty careful. So I'm hoping I'll at least own a home before my health is a concern. I had another thought... I don't plan on staying in France for longer than maybe 3 years... wherever I decide I want to buy a home will be a more tropical place, with a lower cost of living... is anyone familiar with countries close to the equator that might have affordable pet care? I would think that if houses, rent, food, etc, cost less in places like Thailand or Bali, maybe veterinary care would be less as well? Would anybody know? |
09-14-2015, 03:55 AM | #5 |
Donating YT 3000 Club Member Join Date: Feb 2014 Location: E.Stroudsburg, Pa.
Posts: 67,956
| I agree with the above posters, start a doggie savings acct. now. If you can afford $150-$200. a month or what ever amount you can afford start it now, at least you'll have small nest to start off with. I do not have health ins on my pup, but I do save every month what I call "just in case $" which is not necessarily just for the dog, it's for those unexpected things in life, but it's there for my baby should I need it. My now passed 17 y/o girl had no health ins. it cost me thousands of $ in the last 2 years of her life. But did not put me in a hole, but it is nice to have a bit of "just in case cash" to ease a large vet bill.
__________________ Joan, mom to Cody RIP Matese Schnae Kajon Kia forever in my A House Is Not A Home Without A Dog |
09-14-2015, 05:06 AM | #6 | |
YorkieTalk Newbie! Join Date: Sep 2015 Location: France
Posts: 3
| Quote:
I'm hoping the bad days are behind me for good now, because when your dentist wants $100 for a teeth cleaning, and the vet wants $300 per pet for their teeth, and you just don't have it... and you wonder how long you can go without eating to save money to get their teeth cleaned, and you go to the vet but not the dentist...and then you get cavities and have to put more on your credit card... it's been a stressful cycle. I do my best, but usually there's some sort of choice that has to be made... It's going to be hard to save while I'm in France, since it's just as expensive as back home (sometimes worse), but I do want to find somewhere in the world where the cost of living isn't so bad, and then live there. I'm really hoping the vets will be cheaper too though. :-D I guess at least if they aren't, I'll be saving money in other areas. For now it's work work work and find this perfect place... :-) | |
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