
This is the most common outcome. Someone close to the owner steps in informally.

Some owners name a specific person in their will or make a private agreement

Some owners legally set aside money and/or a specific life insurance coverage and instructions for the pet’s lifetime care

If no one close can take the animal, local shelters often step in. Many have programs specifically for pets of deceased owners.
Life insurance can be used to care for surviving pets. It is typically handled by creating a pet trust funded by the owner’s own life insurance policy, rather than insuring the pet's life itself. This ensures funds are legally available for a caregiver to pay for food,, medical care, and,,,, services.
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