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It really very much depends upon where you live. I won't shock you with Manhattan prices unless you happen to live here, but figure double what everyone else spends, including their pat plan insurance which is based upon breed, age, and location.
LOL there are other places in the country that come close to, or are equal to, Manhattan prices now.
 

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Los Gatos, where I'm from, is the same as SF - higher than Manhattan.
Bethesda, MD, where several members live, is equal to Manhattan.

Pretty much all of Los Angeles area, La Jolla, and Laguna Beach to name a few are also higher than Manhattan (same price as SF).

Where I live now is about $10 lower/mo., so I'm glad we had this conversation so I can call them and tell them I need a lower rate!
 

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I never thought of the area you live in influencing costs, but I guess even things like land values will impact how much vets have to charge. Ours has his business on a big acreage, and his fees are very low. He's mainly a livestock vet.
 

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I never thought of the area you live in influencing costs, but I guess even things like land values will impact how much vets have to charge. Ours has his business on a big acreage, and his fees are very low. He's mainly a livestock vet.

Oh I get very jealous when an online friend will tell me that they paid $180 for their poodle puppies first year of Petplan - Trulee's was $532. Her first vet visit with fecal $179, to be repeated next week for her shots. First class, five weeks of 1 hour classes will be $350. Timi's spay, and one tooth removed was $1,800.
If they have to be hospitalized, it averages about a thousand dollars a night.
And Teaka's Petplan, I could buy a new poodle puppy and cover the first couple of vet visits every year for the money!
I am thankful at least that I can buy pet supplies online and pay the same as anybody else - around here I would pay at least 50% more for the same darn bag of dog food!
 

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I never thought of the area you live in influencing costs, but I guess even things like land values will impact how much vets have to charge. Ours has his business on a big acreage, and his fees are very low. He's mainly a livestock vet.
On Long Island the costs for routine services at veterinarians (and I suppose groomers too) varies east to west and north to south. Although it is a big island (just under 120 miles long and about 23 miles at its widest), for Nassau and Suffolk counties you can pay very different fees for all kinds of services. One small part of why I still go to the vet I do is because he is a south shore practice and less expensive by far than the vets right near me on the north shore of Suffolk county.

I see a number of posters have talked about worrying over being able to find low cost vets or being concerned about the costs of specialists, so I will make one more pitch here for the importance of factoring those things in to ownership of any companion animal. If you don't need your emergency fund then you have the cost of your next puppy down payment and their first year of care on hand before you go looking.
 
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On Long Island the costs for routine services at veterinarians (and I suppose groomers too) varies east to west and north to south. Although it is a big island (just under 120 miles long and about 23 miles at its widest), for Nassau and Suffolk counties you can pay very different fees for all kinds of services. One small part of why I still go to the vet I do is because he is a south shore practice and less expensive by far than the vets right near me on the north shore of Suffolk county.

I see a number of posters have talked about worrying over being able to find low cost vets or being concerned about the costs of specialists, so I will make one more pitch here for the importance of factoring those things in to ownership of any companion animal. If you don't need your emergency fund then you have the cost of your next puppy down payment and their first year of care on hand before you go looking.
So true, and when you see what many people spend their money on (designer makeup, the latest clothing trends, smoking, nights out with friends (aka lots of $8 drinks), $7 coffees from Starbucks, fast food), poodles are just another little hobby expense. It's easy to pack your own delicious coffee and snacks to work and save $50 a pay period; it just depends on your priorities. Personally I had pet insurance for the first year but our dogs never needed it, so I got tired of the monthly expense. Now they are 6 years old, and I have just put a small monthly sum into a savings account every pay day in case they need it. Not having needed it, I have been able to do some really fun things with that money (like adventure travelling where you go on hikes in exotic locations, whale watching, and cooking classes in unusual locales). But if they ever do need it, I never worry that I won't have the money.
 

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Poodlemanic, like you I also self insure for dog emergencies and similar things (car repairs, etc). For those who say they can't afford certain necessities a good hard look at the costs of mani/pedis, lattes, tattoos and other body art, 100 pairs of shoes and the like sounds in order for me.

I have had many students who were carrying Coach or Louis Vuitton bags or had keys for expensive cars on their key rings tell me they couldn't afford the lab manual or vital safety supplies or the lecture textbook. Huh? You are carrying the money for the books on your shoulder. I didn't get my first Coach bag until I was able to celebrate earning tenure and a promotion in my mid thirties.
 
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Poodlemanic, like you I also self insure for dog emergencies and similar things (car repairs, etc). For those who say they can't afford certain necessities a good hard look at the costs of mani/pedis, lattes, tattoos and other body art, 100 pairs of shoes and the like sounds in order for me.

I have had many students who were carrying Coach or Louis Vuitton bags or had keys for expensive cars on their key rings tell me they couldn't afford the lab manual or vital safety supplies or the lecture textbook. Huh? You are carrying the money for the books on your shoulder. I didn't get my first Coach bag until I was able to celebrate earning tenure and a promotion in my mid thirties.
The problem with the world today, kids get to much given when young and expect it all through life. Hell, I had my first steak at 19 years old in a restaurant and paid for it myself. I hate spending 200.00 on a purse, but will spend 200 on my dog for whatever I want them to have.
 

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Glorybee I tend to agree with you. BF's daughter is an only child and has often asked for things like a puppy, UGG boots, Coach bags and the like. Although he said a flat no to the puppy (who was to be a yorkie and to live with us) he was more than willing to get her the other things if she did work to earn them, things like read a book and report on it, good report card grades and the like. She could get them, just not that day. Inevitably her mother usually just caved and bought what she wanted. Now she is living in Florida and working, but since she left college without finishing her loans have been called due. Mom is bailing her out on them with some help from BF (given with great reluctance).
 
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STUDENTS carrying Coach bags? What the heck?? I still don't have one. I got a vintage Coach briefcase off eBay years ago which is very soft and supple leather, but it was only $20, ha,ha. I know I'm behind the times; a lot of the middle-aged ladies who work for me have tattoos of their children on their inner arms and on their backs; some of those tattoos are colour portraits. A couple of my employees have a tree of life type of tattoo on their backs with spots for their grandchildren and future grandchildren. They tell me tattoos are very expensive, but I wouldn't know. I have not ventured into that territory yet! But the point you make and I support is, there are all kinds of ways to spend lots of money. We all just need to save it for what is important to us. I even buy second hand tack; I like the old-fashioned leather and after being treated with leather cream, it is usually nicer than the new stuff, in my opinion.
 

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The what's important part is a key part of the formula I think. You have to look at how you will balance wants and needs as you go along. If a student postpones buying fancy fluff in favor of buying books and getting good grades they will all the more easily afford the Coach later. The same can be said for getting/adding a dog/cat/horse/bird. What I wanted terribly when in college was a standard poodle. I didn't have any of the resources needed to make it work (no time, no money, no yard...) so I waited and waited and waited. Instead of being frustrated as all get out back then I am wildly happy now!
 

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Discussion Starter #34
Interesting discussions of whether to do pet insurance or not. I'd have to do the math myself for my area, but I really don't know where I'm going to be living when I have my own place and money anyway. Looks like it's still a tossup for me right now since my immediate future is full of unknowns. I mostly want to be covered for huge surgeries or treatments but I suppose an emergency fund would do a similar thing.
 

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Interesting discussions of whether to do pet insurance or not. I'd have to do the math myself for my area, but I really don't know where I'm going to be living when I have my own place and money anyway. Looks like it's still a tossup for me right now since my immediate future is full of unknowns. I mostly want to be covered for huge surgeries or treatments but I suppose an emergency fund would do a similar thing.
Unless you're earning a high income and/or have a fat bank account, it makes much better financial sense to use pet insurance. Personally, I don't want to spend my savings on a huge vet bill when it could be covered by $600/yr. in insurance.
 

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Interesting discussions of whether to do pet insurance or not. I'd have to do the math myself for my area, but I really don't know where I'm going to be living when I have my own place and money anyway. Looks like it's still a tossup for me right now since my immediate future is full of unknowns. I mostly want to be covered for huge surgeries or treatments but I suppose an emergency fund would do a similar thing.

On the subject of Pet Insurance it took spending $15,000 in the final month's of Taylee's life to convince me that it was a great thing. She was also a very expensive dog throughout her lifetime, not with major things, but allergy treatments, and just little things. I added it up once, and it came to approximately $45,000 in her lifetime.
Other dogs I have had, it was just the basics until they got old and it would have been easy to save up the money for their old age.
With multiple dogs I feel like it pretty much equals out - I may be spending money on insurance for one of them and make no claims, but then another has a big claim and gets that money back for me, so I feel like at worst
I break even, and at the same time I have the security of knowing that if any of them have something major happen, or worse yet, more than one of them has big medical expenses at the same time, I have no worries.
If I had only one dog, I might have them covered for the first two years, enough time to see if they were going to be an expensive dog or not, and if they were not, drop the coverage and start saving. Maybe pick it up again when they got to be seniors, maybe not.
 

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I just built a quote for my three dogs on PetPlan using my real zip code and their real ages and breed info. It would cost me $396.55 per month. I can save that $4700/year and have a good emergency fund where the money is still mine at the end of the year. For those who have benefited by having insurance I understand your POV entirely, but I have a different perspective (and thankfully make enough money to afford that perspective).
 

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Interesting discussions of whether to do pet insurance or not. I'd have to do the math myself for my area, but I really don't know where I'm going to be living when I have my own place and money anyway. Looks like it's still a tossup for me right now since my immediate future is full of unknowns. I mostly want to be covered for huge surgeries or treatments but I suppose an emergency fund would do a similar thing.

With all of our Pets ( 8 Poodles, and many cats), we were lucky that nothing outstanding in vet bills ever came up. After hearing here on the forum of so many owners having Poodles with health problems, and thousands of dollars that they've had to pay, I then realized that we have been EXTREMELY lucky all of these years. When DH and I first became pet owners, we actually made payments to our vet, and that worked out great for us for many years. But most vets don't do that anymore. Our vet would ( and has) done it since for us, but that's because we have been established clients of theirs since 1975.

Shortly after Trixie passed away in 1998, we started a savings account that is just for our pets. For years, we put $25 in the account every month, and then when we would get a tax refund on our yearly taxes, we would put some of that into the account as well. Fortunately now, we're able to put $50 in each month. ( well, to be truthful, I would have to say MOST months, not all). We are not to go into it for anything else, but anything that is pet related, we are free to take money out. I feel that is much better than pet insurance because, this way, the money in the bank is all yours, plus it accumulates Interest. It does take time to build the savings up, and one has to be very vigilant in not getting into it for non pets items, but it CAN be done. This is what has worked for us anyway.
 
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I just built a quote for my three dogs on PetPlan using my real zip code and their real ages and breed info. It would cost me $396.55 per month. I can save that $4700/year and have a good emergency fund where the money is still mine at the end of the year. For those who have benefited by having insurance I understand your POV entirely, but I have a different perspective (and thankfully make enough money to afford that perspective).

The prices do stay lower I think when you sign them up young. And it does vary by breed. My three are less than that a month. And let me tell you, around here you could spend way more than $4,700 on one weeks hospitalization...
 
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