Do you know how to manage a pet in Australia (Wen / Chang Xiufeng)
When it comes to cats, cats and dogs, it is a loving topic, but it is a troublesome topic in life. While bringing you company and infinite happiness, as pets, they also have the only way to live, old age, illness and death. The deeper their feelings with their owners, the more warmth they bring to each other in life, but on the other hand, the greater the pain on both sides in times of misfortune. It is undeniable that pets as family members, but also in the social sense of the owner`s private property, owners while enjoying the happiness of keeping pets, but also need to bear the economic responsibility when pets cause adverse consequences. What would you choose when the vet told you that it would cost ten thousand yuan to cure your pet`s illness, or else he would die of pain?
How much does it cost to get a pet? This is a very different question, a pure competitive pet cat or dog, often tens of thousands of Australian dollars, go to the animal rescue center to adopt a cat, cat and dog, but you hardly need to spend money. Pets reflect people`s economic status on the one hand, but also show your spiritual world on the other. How to keep your pet is exactly the same as how a person can live a good life. Some people make a lot of money, but they can`t save it, some people don`t earn much money, but they can not only have a happy life, but also "have surplus food at the age of age," which has a lot to do with everyone`s concept of financial management. Are you thinking about keeping a pet, too? How much money are you going to set aside for your pet? Have you ever thought that having a dog might cost you money? With these questions in mind, we found Dr. Chen, a vet, and asked us to see what he said.
Pets can`t be on a whim. Maybe every time kittens and puppies look at you with big eyes open, you wonder if you want to have a pet, but you need to know that keeping a pet on a whim is a big taboo. Q: before keeping pets, in addition to life preparation, do you still need to make some financial preparations? A: of course, in terms of finance, I suggest not only preparation, but also more preparation than most people think. As vets, we don`t sell pets, but there are often pets that need to be adopted. Before adoption, we usually ask the owner if there is a stable job, whether there is a deposit, what financial pressure there will be, whether we will continue to buy insurance for pets, and so on. If we find that the new owner may not be able to afford basic medical care, we will not allow adoption. Q: in addition to relatively stable income, do you need a certain amount of backup "emergency funds"? A: I think that when keeping a pet, at least one or two thousand yuan should be put aside for a long time, and you can take it out at any time when the pet is sick. To be honest, a small problem of one or two thousand dollars can be dealt with, but if it is a big problem, thousands of dollars may not be enough. But the chances of big problems are not very high, pets are older, or accidentally encounter serious problems. If the pet is ill, the owner will be under financial pressure, but on the other hand, the pet can not get timely and appropriate treatment, they also bear a lot of pain, the owner`s mental pain is even greater.
There are also clinics that provide a financial service, that is, to apply for a low-interest loan when the owner does not have enough money to allow the pet to receive treatment. There is no interest charge for the first month or two, only a few dozen yuan handling fee, and only a few months later.
How much a month is suitable for a simple calculation according to the general standard, we can have a preliminary understanding of the cost of keeping pets. If you domesticate a general puppy from a pet store, first of all, the money you need to spend on pets, depending on the breed and quality, the price of pets varies greatly. Take a puppy of 500 yuan as an example, you also need to buy daily necessities, dog food, toys and so on. Monthly dog food, snacks cost about 30 yuan, a year is 360 yuan, puppies also need vaccine, chip, and sterilization after a certain age, this part of the medical cost is about 800 yuan. In Australia, some pet owners will choose to let their puppies go to school, receive training from professional trainers, understand basic instructions, train to go to the bathroom, eat and drink on time, and so on. If this part of the money is not spent, it will take the owner`s time to cultivate slowly, but if he chooses to "go to school", it will be a lot of expenses. Like children, puppies are naughty and unstable, and are likely to get hurt in the course of fighting or get sick by eating foreign bodies by mistake, and may need to go to the hospital at this time.
If you get sick and hurt, you can easily search the Internet, and we can see the cost of a puppy in the event of a common accident and illness. Q: generally speaking, how much does emergency pet surgery cost? If there is a regular physical examination or regular health care, then the pet medical expenses will be a little less? A: emergency care is a specific problem. For example, if a dog is bitten by another dog, it needs to be sutured and cleaned. Maybe a few hundred dollars will be enough. But if it is difficult to give birth, need an emergency caesarean section, this kind of situation may not be three or four thousand yuan is not enough. Or more serious, eating foreign bodies by mistake, eating through intestines and stomach, abdominal inflammation, intestinal necrosis, surgery and hospitalization for many days, and postoperative monitoring, that may not be enough. I have a friend. His dog fell off his hand, hit his head in a coma, broke his neck, broke his skull, went to the emergency department immediately, took a MRI, and so on. After waking up in a coma for a few days, he checked out more than 20, 000. If there is a regular medical examination, regular health care, of course, the cost of medical care will be a little smaller in the long run. If you deal with the problem before it becomes very big, it will certainly be simpler and then less expensive. However, Dr. Chen said, in fact, the cost of treating pets can be imagined as the cost of medical care for adults. If it is the people who have problems, the cost of medical care may be more expensive. People generally have their own health insurance, government also provides the most basic Medicare and other welfare policies, so when seeing a doctor feels that the money is not much, but the pet situation can be imagined as a completely uninsured situation, a foreigner to Australia or Australians go abroad, all need private commitment, without any government protection, you will feel that pet medical care is very expensive. So, if you haven`t carefully considered the problems you may encounter in keeping a pet and the corresponding solutions, the pet may cause you a lot of trouble. People who know how to manage money will, of course, find a way to avoid these troubles.
Pet insurance knows as much as people`s health insurance, insurance companies also launched pet health insurance. Under a variety of brands, insurance companies have also launched a variety of packages and plans, the cheapest may only be more than 3 yuan a month, to the most expensive 50 yuan a month, insurance coverage is also varied, from the most basic accidental injury, to pet genetic diseases, slow venereal disease, and even pet loss insurance, damage to others property insurance, bite other dog insurance and so on. At the same time, the way of insurance payment is also different because of the type of insurance. Depending on illness and accidental injury, the proportion of compensation varies in each case, and some insurance can even be deducted at the end of the year. Q: is it entirely voluntary to buy insurance for pets? Is it the owner`s own decision to buy or not to buy it? Or is there an animal protection law, compulsory purchase of some insurance, or is there any protection of the nature of social welfare? A: the master volunteered and was not forced. Whether or not to buy is entirely up to the owner, and government does not offer any benefits, and some charities can provide a little help to pets and owners only in poor financial conditions. If you put it bluntly, no one but the owner has a responsibility to take care of your pet`s medical expenses. In terms of animal protection, government`s law is generally to prevent pets from suffering and being brutally abused. If the animal is in serious condition and the owner has no money, the law stipulates that the vet should give moral treatment to a pet with serious injury or illness to avoid its pain; or, in any serious case, euthanize the animal. But there are other aspects that are not obligated to provide. Q: is it necessary to take out insurance? A: if it`s okay for the owner to take out $10, 20, 000, you don`t have an relationship if you don`t buy insurance. If you have a problem with a few thousand dollars or something, it`s best to buy insurance for your pet. And insurance in addition to pet illness, there will be other aspects of protection. For example, your dog went to bite another dog, or bit someone else`s finances, ah, he has some types of insurance, you will settle this kind of insurance.
How to choose pet insurance, then, before buying pet insurance, what should be prepared? In addition to reserve a portion of the funds, what should be paid attention to? In Google, enter PetInsurance Australia, show that there are 14.4 million search results, so many pet insurance, so many pet insurance, as pet owner you should you choose to choose? Ask:feel that Australia now provides pet insurance companies have a variety of names, your understanding? If it is calculated as Underwriter, actually only two or three. But brands have many brands, like Woolworth, RSBCA, etc. Insurance mode, I understand, I understand, according to the insurance brands in Australia, actually under all Australian pet insurance brands, actually two insurance underwriters, and PetSure, two underwriters. In popular language explanation, insurance underwriters provide insurance as a``semi-pet insurance to deal with the dealers, but the user, but the user is responsible for handling, but the user, but the user is responsible for handling, but the user.
How to buy pet insurance Q: is pet insurance usually bought in pet hospitals and pet stores? Or buy it online? Will the price vary according to the pet situation? A: usually online, the clinic can help some owners buy, but only a specific age can help apply. The price depends on the pet`s age, variety, living area, and pet`s own physical condition. Some breeds are more likely to get sick, for example, young, indoor ordinary domestic cats, owners live in economic conditions such as the West end, in which case insurance will be cheaper. However, if you keep a 50-kilogram German animal husbandry, insurance will be very expensive in places such as Rose Bay in the East side, because the area where the owner lives is expensive, and the dog is very large and prone to illness, and if it is older and older than five or six years old, it will be even more expensive. Take Petplan as an example, pet owners first have to fill in some necessary information about themselves and their pets. On this website, pet species are subdivided into very detailed categories, and even some dog breeds will be divided according to their size. Then the website will give several suitable insurance categories according to your situation, usually, the more expensive the insurance coverage, the lower the starting point of payment, longer timeliness and so on. Next, like ordinary health insurance, owners need to fill in their own details and finally decide the price. Generally speaking, the medical insurance for pets is a mature financial operation mode of planning economic reasonably in order to protect the accident and reduce the risk, which is the same as the commercial life insurance of Australian nationals outside the basic Medicare required by government.
Pet health loans are in addition to pet insurance, and there are some pet medical loans that may meet your immediate needs when you are desperate. As Dr. Chen mentioned in a previous interview, there are some clinics and institutions that can grant low-interest loans when their owners are nervous about economic to give priority to treatment for pets. This kind of low-interest loan is similar to some payday loans in the form of (Payday Loan), when people are in urgent need of money turnover, first pay small fees for people, and then pay the money in installments according to a certain amount of interest. The difference between a small pet mortgage and a large mortgage is that there is no need for a large credit mortgage, both of which are backed by the subject matter itself, that is, when you are unable to repay the loan, the lender has the right to recover the item you are contributing to, the (house, car, etc.) But this kind of loan is more inclined to the public welfare nature. Depending on the situation, the pet medical loan may have a certain interest-free period, that is, your loan can be interest-free for a period of time. When you start counting interest after the interest-free period, you can also set a repayment period according to demand. Of course, as with the principle of financial management that has been introduced all the time, the longer the repayment period, the more the total amount you will eventually have to pay, and the shorter the period, the less interest. But keep in mind that the ultimate goal of financial institutions is to make money, so interest rates on such loans tend to be higher than other loans. Therefore, try to develop good financial habits, make good plans in advance, plan financial life well, in order to really ensure that they do not fall into financial difficulties.
The last step in pet life, like people, pets can not get out of the cycle of birth, old age, illness and death. Cats, cats and dogs may live only about 15 years at most, and some large dogs may live a long life by ten years at the most. As a master, you have an obligation to arrange every step of your life for your pet, and so does the last step. Some people choose to bury their dogs next to their graveyards after they die, or simply bury them in their backyard and accompany each other for a long time, while others choose to cremate their pets and even make specimens, which are also expensive. If pets are weak after old age, have more symptoms, have little chance of cure, and live and suffer, euthanasia is a home for them. Euthanasia may sometimes be a better option for pets with serious accidents, Dr. Chen said. Q: can New State euthanize pets? How much is the cost? A: pets can be euthanized not only in new states, but anywhere in Australia. But euthanasia for pets depends on why they should be euthanized. Generally speaking, it depends on the type, size and physical condition of the pet. The price ranges from more than one hundred to more than 200, and depends on whether you need to calm down first, whether you need a hanging needle before euthanasia, and so on. At the same time, there is an additional charge for the disposal of the remains. Look at the master is a general treatment, cremation or bring home and so on. Dr. Chen told journalist that in his previous work, he had worked in poorer areas and occasionally had car accident, or pets who were no longer very sick. When owners brought pet hospitals to save lives, they could not afford thousands of dollars, and the clinic could not waive that much for them. So after careful consideration and communication, they sometimes help pets with free euthanasia. "there is no way to send him away with an injection," Dr. Chen said. "Animals don`t have to suffer, and their owners don`t have to bear the financial burden."
"keeping a pet is a lifetime thing," Dr. Chen told journalist at the end of the interview. Keeping a pet is a lifelong thing and requires a lot of responsibility. Before you buy and keep a pet, you must measure your finances, time, energy, living environment at home, and people at home before you decide whether to buy or not. After keeping it, you must do your best to take care of it. Don`t give up your pet for small things or financial problems. Treat pets the same way as you do to your family. Or let`s go back to the opening question. When your pet is in trouble and needs 10,000 yuan to tide over the difficulties and get rid of the pain, what is your choice? This is, of course, a problem that varies from person to person. Each person has different financial resources and different situations, so the choice of solving the problem is naturally different. But believe that every owner and their favorite pet`s feelings are the same, its pain, their own feelings. Therefore, before deciding to keep pets, we should make a good abacus of financial management, after careful consideration of all kinds of situations, really do the responsibility of a pet owner. Money is not everything, but many things can not be done without money, I hope that every reader has the ability not to let their own happiness in life tired by money, have the opportunity to enjoy real happiness outside money.
