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We all the know the feeling of the dreaded vet bill, it is probably going to cost more than a deposit on a car and it’s essential.
There are many ways to make your vet bills more affordable or to afford emergency veterinary treatment.
*Please note that all charities have their limits so only use them if you are really in financial need and as a last resort. There are so many animals in need of care and support so if you do need to use their financial support programs I highly recommend making donations at a later date when you can afford too! Pay back the kindness*
Spreading the cost –
By you – Putting a little away each month in a fund to cover any unexpected veterinary fees is a great way to be able to pay for any up front costs or lump sums. Additionally you could reduce costs elsewhere for a few months to cover veterinary costs, e.g. shopping budgeting.
By your vet -If you are up front and honest with your vet from the beginning you may be able to spread the cost of treatment over several months. Alternatively you could offer volunteering hours as alternative payment. Please note that although vets are animal lovers and will help in a lot of ways, they still have to cover their own costs and ultimately it is up to their individual discretion.
Area Specific charities could help you with one off fees in certain situations to help cover emergency bills. Try calling your local shelters or veterinary centres to find out any schemes or help that could be in your area.
Credit companies that work directly for the purpose of helping you to afford vet bills, which are usually interest free credit to help you spread the cost, an example of these organisations:
UK – Care Free Credit*
US – Care Credit*
*I’m not associated with these companies or offering financial advice, I found them during my research regarding affordability
This is more of a preventative measure which is a great way of affording long term illnesses or injuries. A lot of insurance companies will not cover for pre-existing conditions so it is best to get insurance as soon as you can. There are a wide range of cover options and costs you can choose from (I currently pay around £7 per cat for a decent amount of coverage) and it is an inexpensive way to be covered.
UK Charities that offer Financial Assistance
Neutering Costs (more info on neutering here)
Cats Protection provides means tested vouchers for those on a low-income to help towards neutering costs. To find out if you’re eligible call their helpline on 03000 12 12 12 (option 2)
The Dogs Trust – Means tested low cost neutering. To see if your eligible visit their website here.
Towards Vet Fees
PDSA – To find out if you’re eligible visit their website here.
Blue Cross – For those on low income or benefits with sick or injured pets – To check eligibility visit the Blue Cross Website here.
RSPCA – They provide help with basic health care options such as; microchipping, vacinations & neutering: for more information on their services visit their “What We Do” section and to find out if they cover your area visit their financial section.
US Tools to Help With Financial Assistance
State Specific Financial Assistance Programs on bestfriends.org
American Veterinary Medical Association – Accredited veterinary colleges listed by state – Veterinary colleges can provide lower cost veterinary treatment
Humane Society – Local Animal Shelter Search Engine – Animal Shelters may be able to provide a lower cost veterinary service so it is worth giving them a ring.
*Again, please note that all charities have their limits so only use them if you are really in financial need and as a last resort. There are so many animals in need of care and support so if you do need to use their financial support programs I highly recommend making donations at a later date when you can afford too! Pay back the kindness*
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