Veterinary care and medications for pets can be pretty costly. So, if you are on a tight budget, you will want to explore different ways of affording such expenses.
Here are six options you should definitely consider.
1. Pay for Veterinarian Costs Via a Payment Plan
You can spread the cost of veterinary care by paying installments. But you first need to check that your veterinarian offers payment plans. Not all veterinary care services do.
Therefore, it could be worth changing to a veterinarian who does offer the option to pay in installments. Typically, with payment plans, you can pay small incremental amounts over several weeks or months, which will be more affordable than paying a bill in one lump sum.
2. Find Low-cost or Free Veterinary Clinics
Throughout the U.S., you will find low-cost or even free veterinary clinics, most of which are nonprofit organizations or charities. So, perform research online to find out where your nearest low-cost or free clinics are.
At these types of clinics, you could get some services for free and have to pay minimum charges for things like spaying and neutering. Some clinics even give discounts to people who can prove they are on low incomes.
3. Consider Treatment at a Veterinary Training College
One option for completely eliminating veterinarian bills for certain care and treatments is to take your pet to a veterinary training college. Many of these colleges offer services like vaccinations, neutering, spaying, and basic wellness check-ups completely free, as it is a chance for the students to practice the professional skills they have been taught.
Perform online research to find out if there is a veterinary training college near you that offers free services.
4. Be Ready for Emergency Expenses by Getting Pet Insurance
The times when most pet owners are hit hard with expensive veterinarian bills are during times of emergencies. When emergencies occur, you would not have time to find the cheapest clinic, and emergency care can be costlier.
Therefore, consider taking out pet insurance to ensure your beloved pet can receive proper care in emergency situations. You can get coverage for both illnesses and injuries.
While you will have to pay each month to insure your pet, insurance can save you money in the long run and prevent you from struggling financially when you are hit with a big bill for emergency care.
Most importantly, with pet insurance, you can gain peace of mind.
5. Take Out a Personal Loan
If you want to avoid the monthly payments of pet insurance, you always have the option of taking out a loan when your pet needs urgent care or treatment. That means you would only have to pay once a problem arises instead of paying in case emergency issues happen.
Furthermore, when you take out a SoFi personal loan, no fees are required and you can get a low rate. You can even get funds the same day that you sign.
6. Create a Budget and Save Money to Afford Medication
If you need to regularly buy your pet prescription or nonprescription medication, the outgoing expense can be costly. A simple way to ensure you can afford medication for your pet is to create a budget that allows you to save money.
You can then use those savings to pay for the medication. You could do the same for finding money for veterinary treatment.
To create a budget, first look at all of your outgoing costs and determine how much money you need to save each month. You can then identify ways to cut down your spending.
For instance, you could save substantial amounts each week by doing simple things like making a flask of coffee and a packed lunch rather than buying coffee and lunch every day.