What Do Vets Do If You Can’t Pay? Reliable Ways To Deal With Vet Bills

Having pets is surely a brave choice with greater responsibility and extensive care to keep them healthy. You may have to spend to spend a handsome amount on keeping them well-nourished which makes us wonder what do vets do if you can’t pay?

What Will We Talk About Here?
  • There are payment plans and pet insurance schemes that can help you pay off vet bills.
  • You can seek assistance from non-profit, local organizations.
  • Personal loans and emergency funds can be used as a back-up for paying for vet bills.

…and Much More!

What Do Vets Do If You Can’t Pay?

Monthly checkups, vaccinations and routine stuff can get too much for the owners financially. On top of that, it gets tough with ensuring good and professional medical care to make sure your pet gets recovered to the fullest.

  • While there is uncertainty, you should plan out your finances accordingly and see how you can pave the way to affordable regular checkups and balance the best health of your pet. 

If it gets too much or bank-breaking, you should take a step accordingly and get in touch with the veterinarian centers to see what they propose. Many centers support emergency funds and care so that no pet owner would have to face the dilemma of losing their pet. 

As a result, several platforms have come forward to help pet lovers and pet parents financially and give them an alternative to bear the finances to the best of their capabilities. 

Ways to Get Help with the Vet Bills

If you are a pet owner and have trouble financing and affording for the pet, here are several suitable and practical options you can look into to help you with the vet bills: 

Look for Payment Plans with Your Vet 

Payment plans can be a great option if you cannot afford large purchases or, in this case, afford your pets’ treatment charges all at once. But this is something that you should know before starting with the treatments at the respective veterinarian and the policies they have designed in this regard. 

  • It is fair to mention that not all the vet centers would assist you with the monthly payment plans, but if they do, openly discuss your concerns.
  • Some vets also offer monthly instalment plans without any interest on them as long as they are paid on time.
  • Financing this way would also ease the process for you and the veterinarian, even if you have a rough expected cost of the standard treatment plans. 

Financial Assistance Programs and Welfare Organizations 

Unexpected medical issues can surely bounce upon anyone and can be nerve-wracking when you have no ways to support the problem financially.

  • To help you with animal care, several non-profit, local humane organizations assist people with veterinary bills. 
  • However, the facilities or the financial amount these organizations provide can vary.
  • They offer the treatments at a low cost but can be a great help for pet owners who are in dire need of medical assistance for them. 

The organizations have all the dedicated sources to the best of their abilities. In addition, an official establishment, The Humane Society of the United States, is known to maintain a complete database of these organizations to record at what levels they are eligible to help pet owners.

Some of the organizations to help with the life-saving treatments, threatening situations and veterinary care assistance for the animals are listed below: 

  • Brown Dog Foundation 
  • IMOM 
  • Pets of the Homeless
  • The Pet Fund 
  • Harley’s Hope Foundation 
  • Best Friends Animal Society 
  • The Banfield Foundation 
  • WestieMed 
  • CorgiAid 
  • Labmed 
  • Paramedic Trust 
  • Labrador Life Line 
  • Special Needs Dobermans 
  • Shakespeare Animal Fund 
  • Handicapped Pet Foundation 
  • The Onyx and Breezy Foundation


One of the financing programs, CareCredit, provides the best possible wellness treatments for the pets and you. Some of its health departments include Fitness, Animal care, Pet care, Pharmacies, Personal care and many more. 

  • Finance the healthcare with CareCredit without any interest on the payments of $200 and more for a period of two years.
  • In addition, CareCredit financing has no impact on your credit score, so you can book with them from routine appointments to emergencies. 
  • It covers medication, diagnostics, vaccinations, microchipping, dog chemotherapy, pet food and nutrition, care of chronic pet diseases, spay and neutering, surgical procedures, hip dysplasia surgery and a few others. 

Make Use of Credit Card 

Another option to afford your pet’s care is by putting the bill on a credit card. However, please make sure that you devise a strategy before opting for this option. While it is a highly convenient and smart choice, it comes with equal cautious steps to keep in mind. 

  • You can debit your credit card for any unforeseen expenditure. The credit cards that do not charge the customers any annual fees also have an annual percentage rate of 0%.
  • It would be best to pay back within the designated time to avoid any additional interest on the costs.
  • Go for the low-interest card or a card that has a 0% APR promotional offer because if you fail by any chance to pay back on time, you will have to pay additional interest on late payment. It also affects your credit score negatively. 

Know if Scratchpay Works 

Scratchpay is yet another patient financing solution that helps people who cannot afford medical care get the best services from this platform.

The upsides of Scratchpay include zero impact on the credit score, highest approvals, no deferred interest, prepayment penalty and no hidden fees.

The application process at Scratchpay is easy, and you have to check your rate and choose the payment plan to proceed. Then, select the payment plan according to your budget and see if the respective veterinarian accepts this payment option or not. 

Payment plans Take 5YearTake 2 Years
Number of payments51224
Frequency Bi-weekly Monthly Monthly 
APR0%Varies by applicant Varies by applicant 

Consider a Personal Loan 

As we all know, personal loans are instalment debts, and you can opt for them in the hour of need. Just like any other financial emergency, you can face one with your pet’s medical care and procedures. Here is when you can consider personal loans to support the charges. 

  • Personal loans are a much more stable alternative to credit cards, and they won’t bound you to excessive interest rates.
  • These loans have a fixed rate, but the other criteria can vary from one lender to another, such as prepayment penalties or origination fees.
  • Typically, the time of most personal loans ranges from two to five years, and the payment you have to pay back stays the same every month. The payments spread out over time, thus eliminating huge interests. 

Utilize Emergency Funds 

While many available options can cater to your problem, you must be prepared for the worst-case scenarios.

  • If you are faced with any such terrible situation and do not have any way out, utilizing your emergency funds can be a torch-bearer in this hour of despair. 
  • In such cases, it would be best if you leave the credit cards and payment plans out of the deal since they will keep you in debt for a certain amount of time.
  • Instead, go for the emergency funds you might have been saving as a contingency plan in such situations. 

Crowdfunding and Fundraise 

Just keep your boat afloat no matter what unanticipated trash balls life throws at you. If you have tried your best to inculcate all the above-discussed options and still cannot reach the financial requirement for your pet’s care, please try your luck at crowdfunding. 

  • You can ask your friends and family for help and opt for online service via social media. 
  • One such option is GoFundMe, a leader in online fundraising.
  • There are chances that you might not meet the requirement, but better try at least than fail. Spread the word and engage with the supporters who could help you in this difficult time. 

Pet Insurance 

Like human health insurance, pet insurance should be your top priority whenever you get a pet. It is a policy that pet owners’ purchases that lessens the overall cost of their pet’s medical bills. However, the insurance costs can vary depending upon various factors, but it is worth considering as it can be a great help in emergencies. 

  • The costs can vary depending upon gender, age, breed, species, and location. Many companies offer 3 tiers of insurance plans, and you can choose whatever suits you the best in alignment with your budget. 
  • These insurance plans can save some out-of-pocket expenses that you would be paying otherwise with the credit card or personal loans having a certain amount of interest.
  • Pet insurance can keep a maximum of these drawbacks at bay and help you suitably finance your pet’s care. 

The Bottom Line

Regardless of how costly it may get, taking good care of them is a priority for pet owners. Luckily, there are many ways that vet and other supporting institutes can help you deal with the burden of vet bills easily.

However, before you start looking into personal loans or using up your emergency funds, we recommend you to explore crowdfunding and other means that are more convenient.