For many of us, pets are part of the family. But unlike other family members, they can’t speak up for themselves or make arrangements if something happens to us. That’s why it’s important to plan ahead. A pet trust allows you to provide instructions and financial support for your animal’s care if you pass away or become unable to care for them. In Pennsylvania, pet trusts are legally recognized and enforceable, offering peace of mind to pet owners who want to do right by their furry, feathered, or scaly companions.
What Is a Pet Trust and How Does It Work in Pennsylvania?
A pet trust is a legal tool that allows you to set aside money and provide care instructions for your pets after your death or incapacity. You name someone to care for your pet and someone else (a trustee) to manage the funds. The trustee ensures that the caregiver follows your wishes and uses the money only for your pet’s benefit.
Under Pennsylvania law (20 Pa. C.S. § 7738), a pet trust remains valid until the last surviving animal named in the trust dies. This provides long-term protection and ensures that your instructions will be followed. Unlike informal arrangements, such as a verbal promise to a friend, a pet trust is enforceable in court. That means you can rest easier knowing your pet’s care is not left to chance.
Choosing the Right Caregiver for Your Pet
Selecting the right caregiver is one of the most important decisions in setting up a pet trust. You want someone who not only loves animals but also understands your pet’s needs.
Things to consider:
- Is the person familiar with your pet?
- Does their home and lifestyle support long-term pet care?
- Are they financially and physically able to take on this responsibility?
It’s always a good idea to speak with your potential caregiver in advance and confirm they’re comfortable with the commitment. We also recommend naming at least one alternate caregiver in case your first choice is no longer available when the time comes.
Funding the Pet Trust: How Much Is Enough?
One of the most common questions we hear is, “How much should I set aside for my pet?” There’s no one-size-fits-all answer, but you can estimate based on your pet’s needs and expected lifespan.
Start with:
- Annual vet bills and medications
- Food, grooming, and boarding expenses
- Pet insurance or emergency medical care
- End-of-life care or burial costs
Multiply those by your pet’s expected remaining years and add a cushion for inflation or surprises. The goal is to provide enough for your pet’s full life without leaving an excessive amount that might be challenged by other heirs. You can also name a remainder beneficiary—someone to receive any leftover funds after your pet’s passing. That way, every dollar you set aside serves a purpose.
Adding Enforceable Instructions and Preventing Misuse of Funds
A pet trust is only as strong as the instructions you include. To ensure your pet receives proper care, it helps to be specific. You can include details like:
- Preferred food and feeding schedule
- Daily routines and exercise needs
- Medications and vet contact information
- Any behavioral quirks or care preferences
It’s also wise to appoint a trustee who is not the same person as the caregiver. This adds a layer of accountability. The trustee can oversee how funds are spent and step in if there are concerns about the pet’s well-being. You can also require the caregiver to provide updates or receipts, or allow the trustee to conduct periodic welfare checks. Pennsylvania courts can enforce these terms if needed, which helps protect your pet from neglect or financial misuse.
Contact an Experienced Pittsburgh Estate Planning Attorney
At Jones, Gregg, Creehan & Gerace, we help Pennsylvania pet owners create clear, enforceable pet trusts that reflect their wishes and protect their animals. You don’t need to be wealthy to make sure your pet is cared for—you just need the right plan in place. We’ll walk you through every step, from naming caregivers to drafting specific instructions and choosing how to fund the trust.
If you’re ready to include your pet in your estate plan, we’re here to help. Contact us today to schedule a consultation and start planning for your pet’s future.