“I need a vet but have no money.”
It can be one of the scariest things which a pet owner ever has to go through, especially in a real emergency. Vet bills are high, and if you don’t have the money on hand, it can be an absolute disaster for your pet.
Fortunately, there are some solutions to this problem. If you’re looking at a vet bill you’re not sure you can afford then read on and we’ll show you some possible solutions.
Payment Plans for Vet Bills
If you’re unable to come up with the money immediately then chances are you’re anxious. Fortunately, some veterinarians offer payment plans.
You’ll need to clear this up before going in. Despite the high costs of pet care, many clinics simply can’t afford to offer plans. Veterinarians are expensive to hire, the equipment costs run high, and they still have to keep the lights on and the doors open.
It’s just a cold reality of the business.
Don’t panic if you’re not able to get a payment plan through your vet, there are other options but they’ll take a bit more than negotiating terms in the clinic. With the right veterinarian, however, you can often negotiate specifically for your case.
This should be your “go-to” solution but it’s simply not always possible.
If you have a credit card with a high enough limit then it may be your best option to simply use it. Many people have found themselves in this position before and while you may not have cash on hand a credit card can be a lifesaver.
There are even some companies, like CareCredit, which offer cards that are specifically meant to be used for out-of-pocket medical expenses for people and pets.
After all, the point of having a credit card is being able to make needful purchases when you don’t have the cash in your pocket.
This is the first option for many people and it’s one of the best since it keeps everything a little bit more manageable on your end.
If you’re not horrendously short you may also be able to call your bank and get a temporary raise in your credit limit to help cover expenses
If you have good enough credit it may be wise to apply for a personal loan. A personal loan will keep you with flat payments until you’ve paid off the debt and can allow you almost immediate access to the funds you need.
If you’re on good enough financial terms you may even be able to receive a low-interest loan.
Since personal loans often have periods of two to five years to repay and often have relatively low interest rates they’re a good option.
Not everyone has the ability to use their credit to pay when something happens. Perhaps you had another emergency recently or you just don’t have a high enough card limit to take care of Fido.
If that’s the case then you may want to look for a payday lender. While the interest is high they’re often the best bet for those who need financial assistance in a hurry.
Even if you don’t have anyone local you can often use a service to find online payday loans. Direct lenders can loan you the money to ensure that you can cover the vet bill, just be wise with the lender that you choose.
Most people will be able to acquire one of these loans easily enough since these institutions primarily serve to help people in financial emergencies without other resources.
Financial Aid for Your Vet Bill
There are programs available which can help you pay off your vet bills.
These include both general aid for pets and some nifty programs which are meant for specific breeds.
The Humane Society keeps a comprehensive list of both national and state-specific programs.
It may take some digging and some phone calls but for many, they can also be a great help. Your vet bill can run up pretty high and it’s a good idea to check and see if you and your pet qualify for these programs as soon as possible in the event of an emergency.
Crowdfunding for Vet Bills
There are a ton of websites out there which allow for crowdfunding for emergencies and their prevalence shows that people care.
YouCare, for instance, has their own special subgrouping which focuses primarily on pets. Other crowdfunding platforms can be found easily.
It may seem like begging to those who are used to relying only on themselves, but the truth is that it’s worth it to help you pay off the sometimes stiff bills that occur at the vet.
This solution will require a bit of technological savvy on your part, but it can be a real lifesaver even if you’re able to get some funding through other means. If you’ve never used one of these platforms before there are plenty of guides available with a couple of keystrokes in your favorite search engine.
Hopefully, your pet isn’t in need of emergency surgery right now. If that’s the case then you’re going to have to work with what’s available to you no matter what the interest rate is.
Paying for pet insurance can help make sure that if the worst happens you’ll be covered.
It’s not always possible but having the funds or insurance set aside for a veterinary emergency before something happens is really the best protection you can get for your pet.
Don’t Let Your Vet Bill Get You Down
Any kind of financial emergency is a serious stress factor. If you’re not prepared then being caught unaware can seem like a major disaster.
That vet bill doesn’t have to ruin you. By using one of the options above, or a combination of them, you and your injured pet will get through it.
When you’re in the thick of it, things can often seem hopeless. The help is there, it’s just up to you to reach out and take it. And doesn’t your pet deserve that much? Your story doesn’t need to take that turn. And if you’re looking for somewhere to tell your story, we can help.