7 Steps to Affordable Pet Care (how to pay for vet bills)

7 Steps to Affordable Pet Care (how to pay for vet bills)

There’s no two ways about it, affordable pet care can be a real challenge, especially if your pet needs a major surgery or becomes very unwell. There are however several strategies for how to pay for vet bills.

Pet care can be broken down into preventative care – trying to keep your dog or cat as healthy as possible – and reactive health care – providing for your pet when they are sick or injured.

Preventive pet care can be made more affordable by:
– using the cheapest products which work – these might not be the most convenient
– considering joining your vets pet health scheme to spread costs over 12 months and take advantage of discounts offered
– not wasting money on products with little to no evidence of a health benefit. Get the most bang for your buck.

Reactive vet bills can be made more affordable by:
– having pet insurance
– paying into an emergency fund for your pet every month
– adding money to your pet’s vet account so there is a credit that can be used when needed
– looking for local/national charities that may be able to help with costs – I did not mention this in the video but in the UK there is the PDSA and RSPCA which can make a huge difference if you are eligible. There may be similar options in your local area wherever you live.

Being honest and up front with your vet about what you can afford is also vital. There is often a plan B, C or D that can be formulated to try and maximize the chance of a successful outcome while at the same time keeping withing financial constraints. This might mean cutting corners and not treating optimally but so long as there is still a chance of success these plans may be what needs to be considered to give your pet any chance of recovery or quality of life.

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15 Comments

  1. Lilia on June 13, 2022 at 2:35 am

    Not sure there (and it may be similar to another option you mentioned), but in the US, we have something called Care Credit that can help you pay for a bill over time in a way that may be similar to with a credit card bill, but I don’t think it doesn’t involves any interest.

    The catch is it doesn’t seem to be available until a bill costs $200+ though I think the veterinary practice can determine those finer details for them.

  2. Juliette oscar alpha november november alpha on June 13, 2022 at 2:37 am

    My dachshund needs surgery, he has a tumor in his spleen. Its 8k or might be more if he needs a transfusion. When I got my dog I could afford his care, but I’m now unexpectedly am raising 2 grandchildren now and I don’t have 10k, I already spent 2k for him to be diagnosed. They don’t know if its cancer until they remove it. There’s a 50-50 chance its cancer and if it is he’ll only have 3-6 months to live, if not cancerous he should be fine. I’m crushed.

  3. Hydro Music phenox on June 13, 2022 at 2:49 am

    I feel so bad for my hamster she is suffering from a broken leg and we don’t have the money

  4. Krystyl Summers on June 13, 2022 at 2:53 am

    Look their rich

  5. bgregg55 on June 13, 2022 at 2:56 am

    Dogs are carnivores. Stop feeding them carb-laden, heavily processed "food" & cutting dramatically down on carbs is the single most important thing you can do to reduce the need for medical care. True for dogs, cats & humans.

  6. Jacquelyn Alford on June 13, 2022 at 2:57 am

    I know the feeling. Loving a pet can be expensive. Besides Care Credit and Pet Insurance, I found a truly great plan that can be combined with your pet’s current health coverage through your insurance provider. Or, of course, it can be used as a standalone product for a total of 25% discount off veterinary services at the time services are billed. I hope this helps : @t

  7. pam caudill on June 13, 2022 at 3:02 am

    I’m from knoxville tn which pet insurance good for a cat ,a dog

  8. Harry D on June 13, 2022 at 3:05 am

    I have a pet credit card, I have already spent 20 grand on it. 3 surgery’s and tons of medications later. Pet ownership is really just for the well off or rich. Most likely if your not, then the dog or cat is probably suffering.

  9. amber cotton on June 13, 2022 at 3:05 am

    Bruh this is why I dropped out of vet school. I learned VERY QUICKLY that even the vet biz is ruled by money. I know treatments, procedures ,and exams aren’t free. But as an animal lover I would give poor pet owners my price of each procedure. Instead of taking profits I would just literally break even on certain cases.i would 100 percent for sure NEVER EVER turn down a hurt animal because their humans cant afford treatment. Maybe that’d end up screwing me in the long run but at least I know I’m dying and going to heaven.

  10. Chris on June 13, 2022 at 3:07 am

    I have had 2 cats,took care of them until they died.Vet bills are more expensive,now,half of Canadains cannot afford,even with pet insurance.I won,t have anymore,pets.

  11. Fawn G on June 13, 2022 at 3:11 am

    Thank you .. that is very useful information.

  12. Kristyn Easler on June 13, 2022 at 3:15 am

    Don’t you mean type II diabetes? I don’t know why that’s so hard for people to understand and differentiate.

  13. Elizabeth on June 13, 2022 at 3:17 am

    We spent over $1000 on tests to be told by our Vet that we should go and get other tests done, specifically an MRI or CAT scan after he saw a mass by our dogs kidney on his ultrasound.
    He said that it looked like cancer, and by doing another $1000 of tests, we could know how bad it was and what the options would be for treatment. He said it was likely that
    it would be another $10k-12k for surgery and chemotherapy. The mass is by an artery and he did say there would be risks to the surgery.
    At this point, we have decided to provide palliative care and keep him as comfortable as we can at home. But a part of me wonders, if there is any chance of this being a non malignant tumor
    that could be removed, could we extend his life? We can’t keep hemmoraging money but we love this dog and hate to lose him.
    A friend of mine went through this same thing with his cat, spent $10k on surgery and chemo and extended his cat’s life only 5 months.

  14. MY VIDEOS on June 13, 2022 at 3:22 am

    I WOULD LIKE TO SEE ALL STORES PUT UP A NOTICE STATING, ALL AUTHORITIES SUCH AS TRAFFIC WARDENS, COPS, VETS, PHARMACIES, TAXI DRIVER AND SO ON. WILL BE CHARGE THREE TIME’S THE AMOUNT TO COVER THE BILLS THEY GIVE US. MALC UK

  15. connie hill on June 13, 2022 at 3:30 am

    Thank you for your video on paying for vet bills. I tried to find vet help in my area but they no longer exists. I have a female cat, she has been spayed. She has started in the last month of peeing on the furniture and she will even lay next to me of even get in my lap and pee on me. I would like to find out why she is doing this but at the same time I don’t want to give my cat away because I can’t afford a visit to the vet. My cats keep me going.

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