I think, with the improvement of the veterinary care, it has become essential to create a budget in good times and make peace with it, so that, when, emergency/illness occurs, we are not caught up scrambling and making decisions that would potentially ruin the entire family.
We have a budget for each animal.
The emergency budget for older animals is lower than the one for younger ones. On the other hand, the maintenance budget is normally higher for older critters than young ones.
When creating it, we took into account our long-term financial outlook, including the fact that my mostly disabled husband cannot get long-term care insurance. So, we need to have savings for that. People first.
As for the veterinary doctors, I would appreciate if they refrained from sending their clients to guilt trips, when clients did not have resources to provide advanced treatment for the animals.
I understand, vets situation might get tricky.
They have a responsibility to explain all options and I am glad they do it.
They can explain the options without inserting emotions/quiet judgment regarding the possible decision of the client.
I know, many clients do not indicate/disclose, they do not have money. It seems to be somewhat a taboo here in the US to admit our resources are limited. We drive each other to the ground by “keeping up.”
Then, I would argue, there is a point, when vets need to make it clear that the expensive option should really be only considered, if a family can stay financially sound despite the costly treatment.
We all have to operate on trust. I need to trust that the vet will support the best option for our animal & family situation without passing judgment. The vet needs to trust I truly provide the best care I can for my animal.
Without it, we will just get all wrapped up in a continuous blame-game. I would much rather work with my vet as a team than considering him/her as adversary.