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How much would you spend to save your sick pet?

A picture of Pumpkin, a cat owned by John Noel, a deputy sheriff for Los Angeles County. And the donor cat that gave Pumpkin a kidney.

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Jeanne and Tom Herrman's Golden Retriever, Bentley, in Burbank Calif., Saturday,  March 16, 2013.  Bentley's veterinarian gave him only a few months to live after finding a tumor on his front left leg. 

Golden Retriever Bentley, 11, has a fast-growing tumor in his left front leg.

Owning a pet is a commitment not unlike marriage. You're with each other for better or for worse, in sickness and in health. And just like with humans, the sickness part is incredibly tough to go through. It's also incredibly expensive. People facing end-of-life care will, naturally, do anything and spend almost any amount of money to save and extend their lives. When it comes to pets, lots of families will do the same. And the decisions can be heart-wrenching.

I visited my vet just a couple of weeks ago with my 3-year-old black lab, Ronan. He's allergic to something, probably our grass, and gets this nasty skin condition. So Dr. Woody Walker of the La Canada Pet Clinic took a look. By the time I left, we'd done a blood test, an office exam, gotten two prescriptions and a special shampoo -- plus a prescription refill for my cat's thyroid condition.

"It's gonna be $492.76," said Walker.

I told Ronan he needed to get a job. But this is what happens when you have a pet. It's expensive. In fact here in the U.S. we spend -- collectively -- $53 billion a year on our pets for everything from medicines and operations to food and toys. In our house, we're lucky than none of our four animals has a terminal illness. Because if and when that happens, I don't know what we'll do. We've tried to set a number for what we're willing to spend to save or extend any of their lives, but that conversation never resolves itself. And Dr. Walker says those decisions have gotten much more difficult with advances in medical care for pets.

"The technology is amazing. Whatever we can do in people, we can do in pets," said Walker.

What that means for pet owners -- is more tough decisions.

 That's where Tom and Jeanne Herrman from Burbank, Calif., come in. Last July, they rescued Bentley, one of two Golden Retrievers. Bentley, 11, has a fast-growing tumor in his left front leg, though you'd never know from his enthusiastic greeting.

"Bentley's gonna be hard cause he's just a quick love and I think he's got 4-12 weeks," said Jeanne.

Bentley was diagnosed in December and the Herrmans didn't have many options.

"It was just the amputation and oncology. And for right now just keeping the pain away and the inflammation," said Jeanne.

The veterinarian explained to the Herrmans about the costs if they went the other way -- $6,000-8,000. The other way being amputation and chemotherapy, which they decided against. Not purely for cost reasons, but because Bentley's life wouldn't be the same and there was no guarantee he would survive long past the surgery.

"It's very easy when a dog becomes a family member you look at all those decisions a little differently. We've been through it with both of our parents, we had to make the quality of life decision," said Jeanne. "They're not easy, but you'd rather make it than have them suffer a lot."

For John Noel, the decision was fairly easy to spend more than $10,000 for a kidney transplant for his 13-year-old cat, Pumpkin. He proudly shows Pumpkin off in a photo.

"This is Mr. Pumpkin. And this was taken six or seven months post-transplant. And then we have a picture of Hopi, who's the donor," he said.

Noel is a deputy sheriff for Los Angeles County, a public servant who doesn't boast a large paycheck.

"I work hard for my money and don't have a lot of it. But you know there are priorities in life," he said.

He found Pumpkin wandering the streets as a 5-week-old kitten. And like most pet owners, described him as part of the family. Money simply wasn't a factor in his decision.

"When you have that kind of love in your heart for another creature, be it an animal or a human, I don't think anybody who has that love or that feeling would ever think otherwise," said Noel.

And Pumpkin triumphed over long odds -- living another four years post-transplant.


Mind Games &Money -- Browse other stories in our collaboration with the New York Times. Plus, take our quiz to see how much emotions impact your personal finances, see the 15 happiest and saddest U.S. cities based on tweets, watch a video explainer about "goodwill," and learn lots of good facts about money and emotions. Explore now.


Dean Philip Nelson of the College of Veterinary Medicine in Pomona, Calif., says societal pressure plays a role in many pet owners' decisions about end-of-life care. The agonizing questions around human end-of-life medical intervention have now made their way down to the pet kingdom and owners often feel guilty if they don't do everything possible, no matter the cost, to save or extend their animals' lives.

"I think it's harder not just because of the technological answers, but I think our own ethos have evolved. And not necessarily in a good way," said Nelson. "I believe that -- and this is a personal belief -- that many of us are loathe to have to face the end-of-life issues. And some of us have been mesmerized by the advances of medicine."

Of course not everyone can afford to even contemplate expensive treatment. Alana Yanez of Highland Park, Calif., sees that situation firsthand in her work with the U.S. Humane Society's Pets for Life program, which provides veterinary services in low-income neighborhoods. She's counseled pet owners going through decisions about how to care for their animals. And last October she faced the situation herself when her 11-year-old Labrador Retriever, Max, started limping. Her vet said it was cancer.

"And chemo, what he told us was, minimum $10,000. And it would have been a really long and hard process," she said. "You know when we're in this situation, excuse me, when we're in this situation you get so caught up in the emotion that at one point I just stopped and I said tell me what to do."

The vet told her Max was in pain and that unless she had $40,000 laying around for the surgery and after-care, "He goes, 'I would put him down.' So we decided to do that. I still sometimes struggle with whether or not we made the right decision. Because you know putting $10,000 on a credit card, I could afford it. And I think would that have been worth it if it extended his life another 5-6 months?"

In the end, she says she's confident they made the right decision and now she comforts herself with 2-year-old shelter dog, Dottie.

If I thought this story would help me figure out how to plan for the inevitable with our pets... Well, it didn't. These are deeply personal decisions -- sometimes dictated by cost, more often dictated by that thing that happens every time a cat curls up on your lap or a dog rests his chin on your knee. And there's no right or wrong in that.

About the author

Tess Vigeland is the host of Marketplace Money, where she takes a deep dive into why we do what we do with our money.
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brc53's picture
brc53 - Apr 1, 2013

The other thing we have to think about with pets is - what kind of life is that additional money buying them?

For a young dog, an amputation is a fairly straightforward treatment - the dog learns quickly to get around on three legs (so much faster than you expect) and the problem is solved.

For an older dog with cancer, they're going to be at a hospital, left with strangers for treatments which may be scary and painful... if they're not good with other dogs or they have separation anxiety, they're not going to understand that you're doing this to get them 5 or 6 months. They're only going to be unhappy.

I went through this last year and even before they told me there was nothing they could do I knew I wasn't going to be able to put the dog through that kind of treatment plan - it would stress her out so badly it wouldn't be worth it.

My vet says keep a calendar of good days and bad days - and when the bad days outnumber the good days, you're not doing the animal any favors.

brc53's picture
brc53 - Apr 1, 2013

Pet insurance.

I only have it for emergency care so it's about a $500 a year. But it was a god send when I had to run them to the ER Thanksgiving morning for possible poisoning.

Those were the two questions on the emotional quiz I skipped as well. I have budgeted & have insurance so I know what I can spend on my pets - and if my kid's car broke down, I'd lend him the money and have him pay it back. Because lending between family members is fine with me and teaches as much responsibility if handled correctly as lending between outsiders.

waywardtom's picture
waywardtom - Apr 1, 2013

excellent article Tess!!

good comments: humans should have the same rights given to animals, the right not to be treated, the right of euthanasia. after working 10 years through high school and college for a vet, having studied political science in school, having faith in the christ, i learned the lesson, humans are more important than animals. now only if other humans would learn that lesson also

i too wish the human healthcare industry would be as straight forward as veterinarians are in quoting costs. well, the british do it for teeth. that is why so many of them have cosmetically lousy teeth perhaps

pet insurance is largely not worth it for most pets. perhaps breeding stock, as a business, would be the exception. pet insurance companies are allowed to discriminate, legally. so better to put $50 a month pet insurance premium in a savings fund and pay for any necessary medical expenses that way.

i waited 18 years to get my bitch. she is a large canine, at 120lbs, just right for a greater swiss mountain dog. it took the right property to enable the right environment for her. went to switzerland, paid the global going rate ($2k) for a puppy, then at 7 months she required surgery for a genetic problem. her lineage was clear for 3 generations on both sides, of other problems. i have regret i spent the money. i was way over charged. an amputation cost $900 when i was working in the 90s. to remove a coin sized piece of cartilage from the shoulder, $4k. there are so many humans by no fault of their own who suffer. most humans are more important to me than a canine for that amount of money. i regret my ethics were screwed up

CAP0802's picture
CAP0802 - Mar 31, 2013

Why would you do a segment on this topic and not mention pet insurance? We have great insurance for our two elderly cats and one dog (it's Pets Best). Of course, not everyone can afford insurance for people or pets, but if you can get it, it's so worth it. We get about 2/3 of costs reimbursed easily within about two weeks of services. My husband and I say all the time that the animals have better insurance than we do. Our cats get acupuncture, one of them has a cardiologist, none of this would be possible without the insurance.

cantrellcarole's picture
cantrellcarole - Mar 31, 2013

Last Fall I had to make this decision. My otherwise healthy cat Romeo suddenly became ill with a urinary blockage. He was in a lot of pain and could not pee. It was an emergency situation. I researched on the web and found that it could cost $750-$1500. The condition had a good prognosis for treatment, but, I cannot afford health insurance for myself let alone my cat. I had about $400 in the bank so, at 9p.m. on a Sunday night I rushed him to an emergency vet knowing that I'd have to put him to sleep. For about $140 she gave him some medications that might help him get unblocked. I felt a glimmer of hope for the night, but, in the morning his problem was the same. I knew I had to act on this because of the amount of pain he was in and the knowledge that, left untreated, he would become septic and worsen. I wanted to relieve his suffering. I took him to my local vet and put him to sleep...for $150.

All this took place within about 18 hours. I have had cats in the past that became terminally ill and I had put their treatments on credit cards that I had at the time. In the past I have spent $1000 in attempts to keep a pet comfortable knowing that a disease was terminal. This time I didn't have a credit card or savings account so I had no resources to draw on. I knew that if I ever had an emergency with my cat that my choices would be severely limited. I miss having Romeo around, and although I am not yet ready to have another cat, I hesitate knowing that my income for now is still limited and I would still be forced to make a decision like this in an emergency. That night, I put my emotions on hold to be able to act on the situation. The emotional floodgates opened on my way home from the vet. If I had had a credit card I must admit that I probably would have paid to treat my cat.

MoBee's picture
MoBee - Mar 30, 2013

After fighting some life threatening illnesses, I wish the ability to tell my doctor that the money has run out or I can't afford the treatment, or the quality of life will not be as great, was available to me as it is for my pets.

Albizia's picture
Albizia - Mar 31, 2013

I was struck by the vet who could quote a price for procedure and treatment. Why can't our own healthcare system provide such concrete answers?