If you have a vet you really trust and have been going to for a long time, you can set up a flexible spending account with them. For a few years, I sent my vet $25 every month to keep on account. I made sure I didn't carry it over from year to year, but you can't imagine how handy it is to have $300 or so credit with your vet. One November my cat had a UTI that was $300 with X-rays for stones, then a week later Lady got sick, another $300 bill!
I went to the same vet for years and was allowed to do a payment plan for large bills several times. Most vets will work with you if you have an established relationship with them and are a good client.
Unfortunately, not all emergencies occur during regular business hours so you have to be prepared for the upfront cost of an ER vet. Also, if your pet is really sick and has to be transferred to an ER vet overnight when your vet's office closes, you have to pay that upfront, too. |