There are ways to save on veterinary bills, if you know where to look. Using credit cards or CareCredit to cover expenses, getting quotes from several vets, and using payment plans can all help. Luckily, there are also many private veterinary discount plans, too. Just remember to be aware of what you’re paying for and be comfortable declining services that you don’t think you need.
Save on Veterinary Bills with Scratchpay
Scratchpay is a no-interest financing option that can help you save money on veterinary bills. Veterinary bills are expensive and can quickly spiral out of control when your animal becomes sick or injured. Luckily, there are ways to save money on your pet’s care, including applying for pet insurance.
Scratchpay accepts applications around the clock and provides an instant response. The system also shows rates in real-time so you know how much you’ll be charged. When you’re ready to pay off your veterinary bill, your veterinarian will request payment directly from Scratchpay.
The company uses your credit score to determine how much you can borrow and considers your income as well.
CareCredit
If you’re a pet owner, CareCredit is a great way to save on veterinary bills. It allows you to pay over time and has no interest. It works at many veterinarians’ offices and can be used for both planned and routine veterinary care. You can also use CareCredit to pay for medications and prescription pet food.
If you can’t afford to pay full price upfront, this option can be an excellent alternative to losing your pet because of financial hardship.
Both CareCredit and Scratchpay offer flexible payment plans. You’ll have to pay a small fee to your veterinarian to use CareCredit, but you can pay the rest over time through a line of credit card.
Both CareCredit and Scratchpay offer varying terms, so you’ll need to find out what works best for you.
Getting Quotes from Vets
Asking for quotes from multiple vets is an excellent way to reduce your veterinary expenses. Regardless of whether you are planning on having surgery performed on your pet or just need a routine checkup, getting quotes from several vets will ensure you get the best price. It also means you don’t have to accept the first quote you receive. Once you have received several quotes, you can negotiate with them for the lowest one.
Ask your vet to recommend a few specialists that specialize in treating your pet. Many veterinarians mark up their medications, so be sure to compare prices before you make the decision. If you find a cheaper price elsewhere, ask your vet to match it. You can also ask your vet to refer you to nearby veterinary schools and teaching hospitals.
Also, some medication for pets can be sold by drugstores, usually at much cheaper prices.
Pet Health Insurance
Pet health insurance is an important way to save money on your pets’ veterinary bills. Even a simple exam can run into hundreds or thousands of dollars. The costs may include blood tests, IV fluids, antibiotics, and surgery. Even more common ailments such as arthritis and heart conditions can lead to expensive and ongoing treatment. These costs can quickly add up, leading to heavy debt. In the event of an emergency, pet health insurance will protect you from these unexpected costs.
When selecting an insurance plan for your pet, make sure to find a company that has a solid reputation. You don’t want to deal with an unsatisfactory customer service experience. Look for reviews of pet insurance companies online or on social media. Also, talk to your veterinarian for recommendations.
Pet Meds Found at Big Box Stores
Pet meds from the big box store can save you money on your veterinarian’s bills. The first step is to find the best price for the medication. While veterinarians are the best place to find prescriptions, online pet stores are also a great source of affordable medication for your pet. Check out 1-800-PET-MEDS to find cheaper pet medication and look for discounts at feed stores as well.
Buying these medications from a big-box store can save you money on prescriptions, but you must make sure the pharmacy is reputable. Many knockoffs exist online, so you should be cautious. You should also be aware that some of these pharmacies fill prescriptions without the permission of a veterinarian.
Save on Veterinary Bills through Pet Fundraising
Pet fundraising is a way for pet owners to raise money to help with the costs of veterinary care. A successful fundraiser should focus on a specific goal, such as helping a pet owner pay for a veterinary visit. If possible, it should include proof of financial need, such as a photo of a vet’s invoice.
Pet fundraising can also benefit animal welfare organizations. Programs like the Paws 4 A Cure Foundation provide financial assistance to owners of dogs and cats who are suffering from various illnesses or conditions. However, pet owners must have a low-to-mid-income in order to qualify.
Other organizations, such as the Onyx and Breezy Foundation, help pet owners save on veterinary bills. You will need to fill out a few forms and the organization will send the money directly to your vet.