An Ounce of Prevention: The Importance of Preventative Care

Tracy Libby

Preventative Care for Pets

Do you ever wonder if your life is destined for one veterinary bill after another? I do! With five dogs and five cats, it seems I'm running to the veterinary clinic several times a month for everything from medications to sutures to acute lameness. Just when I think everything is under control - one of the dogs swallows a thumb tack. Or our "rescue" cat tears the cranial cruciate ligament in both his knees—requiring surgery to the tune of $3,000. Our bionic stray now has better knees than I do.

Americans spent an estimated $28 billion for veterinary expenditures in 2011, according to the American Veterinary Medical Association's (AVMA) 2012 U.S. Pet Ownership & Demographics Sourcebook, with $19.8 billion of the pie chart going to canine veterinary expenses. The AVMA estimated that dog owners spent on average $378 per year for veterinary care in 2011—mainly for physical exams, vaccinations, drugs or medications (I spent that on my last visit!). However, the American Pet Products Association Inc., (APPA) estimates a 2013 figure slightly higher at $852, which includes routine veterinary care and surgical procedures.

Whether your own veterinary bills fall lower or higher than these averages, chances are you could save some money. Preventative care is key to reducing veterinary expenses. To keep a leash on your veterinary costs, consider these 11 proactive steps:

1. Feed Well-Balanced, Good-Quality Food

Good nutrition contributes to healthy skin, strong bones and ligaments, and optimum health and longevity. It allows your pet to maximize nutrients while eating less, so your wallet benefits too. Shelling out money for premium food is more expensive up front, but the long-term benefits are worth it since good nutrition can reduce diet-related veterinary bills. It's the easiest and least expensive way to reduce veterinary expenses.

2. Limit Snacks

Most pre-packaged treats are not nutritionally complete and can unbalance a balanced diet. Limit treats to less than 10 percent of your pet's daily caloric intake so he doesn't gain weight.

3. Keep Your Pet Fit and Trim

This is a biggie! Exercise goes hand in hand with good nutrition. Studies indicate that keeping your pet at the right weight can increase his lifespan by nearly two years. Overweight pets are subject to diabetes, heart and respiratory problems, arthritis, increased surgical risk, decreased immune function and increased damage to joints, bones, and ligaments.

4. Spay or Neuter Your Pet 

The upfront cost is a bit spendy, but it will save you a bundle in the long run. Altering your pet decreases unwanted pregnancies in females and prostate issues in males. Neutering usually decreases a male's tendency to roam, which, in turn, decreases the chances he will ransack trash cans—eating potentially harmful stuff such as rotting garbage, poisons, animal carcasses, and so forth. If your pet isn't roaming, he won't fight with other animals, get lost, or, heaven forbid, get hit by a car. Plus, you'll be doing your part to help prevent pet overpopulation.

5. Keep Parasite Prevention and Vaccines Current

Internal and external parasites, such as fleas, ticks, and heartworms, and diseases like canine parvovirus, distemper, and hepatitis can wreak havoc with your pet's health. When left untreated, many diseases require intensive hospitalization treatment, which is a great deal more expensive than the cost of flea medication or vaccinations.

6. Brush Your Pet's Teeth Daily

Preventative care includes keeping your pet's teeth and gums clean and healthy. Daily brushing prevents tartar build up, which is the primary cause of periodontal disease—a progressive disease that can, in advanced cases, lead to decayed gums, infection, and liver, kidney and heart damage. The American Veterinary Dental Society estimates more than 80 percent of dogs develop gum disease by 3 years of age. Don't forget yearly professional dental cleanings. This helps to reduce or eliminate the need for advanced periodontal treatment, which can cost as much as $2,000.

7. Schedule (and Keep!) Regular Veterinary Checkups

Wellness exams are the cornerstone of preventative care. Preventative care—including dental cleaning, blood work, urinalysis, etc.,—helps to detect diseases early on when they are likely to be easily treatable—thereby extending the quality of life before more expensive procedures become necessary.

8. Groom Your Pet Weekly

Hair and skin are reflective of nutritional health. Regular grooming helps to prevent hot spots, rashes, mats, and painful broken nails. Daily inspections of the ears, nose, mouth, teeth, and feet can help you spot minor issues before they escalate into potentially life-threatening and expensive medical problems.

9. Pet-proof Your Home and Yard

Take a few minutes to store all medications and toxic products, such as herbicides, pesticides, fertilizers, etc., as well as poisonous plants in a safe place. Keep cell phones, remote control, slippers, marbles, paper clips, thumb tacks, and so forth out of reach. Secure all fences and gates to be sure your pet can't escape and be injured by a car or attacked by other animals.

10. Train Your Dog

A trained dog is usually comfortable being handled. This allows the veterinarian to do many procedures, such as examining ears, feet, and teeth, and treating small cuts, removing stickers, and caring for wounds, safely.

11. Consider Pet Insurance

Pet insurance can act as a safeguard against the cost of unexpected illnesses and accidents.

Following these simple and doable guidelines will keep your checkbook in the black and a leash on veterinary bills. Equally important, they will assure your pet has the best chance to live a long, happy, and healthy life, and that's something we all want. 

While you can't predict when your pet is going to get sick or injured, you can protect yourself from expensive veterinary bills. Embrace Pet Insurance gives you the freedom to do what’s best for your pet without stressing over the cost. Easily personalize your coverage to fit your budget and your pet’s needs, then visit any vet for nose-to-tail coverage. Check out what the Embrace plan covers or compare pet insurance providers to learn more.

Mind if we pay your vet bills?

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Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2016 American Modern Insurance Group, Inc.