If you’re in the position to do so, I’d reassure her that you’d give her pet a loving home if she passed. That you wouldn’t feel forced to take them and they’d be wanted. My thing would be how hard it is for pets to lose their owner. It’s hard to explain to them why you’re suddenly gone one day. Sometimes they can smell that you’re dieing, if you are sick and die at home on hospice. I’m not sure if they know the smell of death if you die suddenly at home or not. That would be the biggest reason I’d be really hesitant to adopt a new pet. Especially a young one. Maybe talk her into adopting an older one. They need loving homes too for their final couple of years!