Okay, I haven't read all the posts yet, because I'm in a hurry (I WILL go back and reread, though).
First off, there's no reason for a heartworm test to cost $100. That's ridiculous. A heartworm test at my clinic costs about $30 - $35 (an Idexx 3DX SNAP test).
Yearly tests ARE a good idea. First, depending on what preventive you're giving, the dog may appear to have eaten it all but missed some or spit some out and you didn't notice. Or there may be some reason the dog isn't absorbing it (I know a dog with EPI that's had this problem and has tested positive off and on). Also, the heartworm test tests for 2 or 3 tick diseases too.
If you keep giving ivermectin, it will not kill the dog if the dog has heartworms - it will actually treat them, albeit slowly. Some types of hw preventative are dangerous if the dog is positive for hw though (and I think you're aware of this).
Now, finally...there is a shortage of immiticide. If a dog has heartworms right now, they may or may not be able to be treated with immiticide (the standard treatment) because it's in VERY short supply. Instead they'll be treated with...*drumroll please*...Ivermectin
Cats CAN get heartworm, but it's rare. For a few months we tested every cat we pulled blood on (the test was free for them because we got some samples from I think Heska), and none of them tested positive. We did recently test one cat for heartworms after it came in for trouble breathing, and it was negative. Our clinic recommends Revolution for cats because it does prevent heartworms and is the same price as other flea control.
As for indoor animals, mosquitoes can get inside, so even indoor cats and dogs can get heartworm.
So, basically take that for what it's worth and use your own judgement
First off, there's no reason for a heartworm test to cost $100. That's ridiculous. A heartworm test at my clinic costs about $30 - $35 (an Idexx 3DX SNAP test).
Yearly tests ARE a good idea. First, depending on what preventive you're giving, the dog may appear to have eaten it all but missed some or spit some out and you didn't notice. Or there may be some reason the dog isn't absorbing it (I know a dog with EPI that's had this problem and has tested positive off and on). Also, the heartworm test tests for 2 or 3 tick diseases too.
If you keep giving ivermectin, it will not kill the dog if the dog has heartworms - it will actually treat them, albeit slowly. Some types of hw preventative are dangerous if the dog is positive for hw though (and I think you're aware of this).
Now, finally...there is a shortage of immiticide. If a dog has heartworms right now, they may or may not be able to be treated with immiticide (the standard treatment) because it's in VERY short supply. Instead they'll be treated with...*drumroll please*...Ivermectin
Cats CAN get heartworm, but it's rare. For a few months we tested every cat we pulled blood on (the test was free for them because we got some samples from I think Heska), and none of them tested positive. We did recently test one cat for heartworms after it came in for trouble breathing, and it was negative. Our clinic recommends Revolution for cats because it does prevent heartworms and is the same price as other flea control.
As for indoor animals, mosquitoes can get inside, so even indoor cats and dogs can get heartworm.
So, basically take that for what it's worth and use your own judgement