Each year, we budget for the expense of an annual checkup for both of our dogs. To balance the bills, some people choose to spread this expense over multiple appointments throughout the year.
We prefer to save up and take care of everything at once, with one large vet bill.
Overall, it’s less stressful for the dogs to only go to the vet once per year and get everything out of the way.
Many people might argue if we put the monthly premium amount into savings, we’d have money to pay vet bills right then and there. And we wouldn’t even need an insurance policy at all (we’d be self-insuring.)
You try to save what you can. But inevitably, that money is taken over by competing priorities. As a result, things don’t always work out how you plan them.
Since our dogs have skin allergies and sensitive stomachs, we feed them special high-quality, premium dog food containing fresh ingredients. But, of course, with better quality comes a higher price.