‘We’re Still Paying’: How Pets Became a Big Business

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Heather Massey brought Ladybird to the veterinarian when the 9-year-old mutt began having seizures. A scan from an M.R.I. machine revealed bad news: brain cancer. With the prognosis grim, Ms. Massey decided against further treatment at the animal hospital near her home in Athens, Ga., and Ladybird died four months later. The M.R.I. scan and related care had cost nearly $2,000, which Ms. Massey put on a specialty credit card she had learned about at a previous vet visit. That was in 2018. She is still paying off the debt, with more than 30 percent interest. “Could I afford to do that? Not really,” said Ms. Massey, 52, who is disabled and does not work. “Was it worth it to me? Yes.” Ms. Massey’s experience illustrates the expensive new realities of owning a pet. For decades, veterinarians typically operated their own clinics, shepherding generations of pets from birth to death. They neutered, vaccinated and pulled thorns from paws and noses. When animals became seriously ill, vets often had little to offer beyond condolences and a humane death.