Pet medical care is an important part of providing your pet with a good quality of life. However, sometimes emergencies can happen when you least expect it. If you are a pet owner and need emergency cash to pay for pet medical care, there are options out there. First and foremost, you should know that for urgent veterinary care, many hospitals and clinics will take care of your pet before they show you a vet bill. And so, you should never hesitate to get your pet the urgent medical care they will need.
Once you do have to pay the vet bill, there are many options out there to consider, if you don’t have the cash that you need right away. Options like taking out an emergency loan, looking into financial assistance, or taking to your veterinary care provider about a payment plan just to name a few. Below you’ll find more information on getting emergency cash to pay for pet medical care.
Financial Assistance to Get Emergency Cash to Pay for Pet Medical Care
There may be a few avenues you can look to when you need financial assistance in order to take care of your pet. Below are some helpful places you can begin:
Pet Insurance (If Applicable)
Like health insurance with health care, pet insurance can be a good resource to help cover the costs of medical care. If you already have pet insurance, it will be a good idea to contact the insurance company yourself and ask about coverage, co pays, and deductibles. If you don’t have pet insurance, it may be helpful to sign up for it, especially if you have multiple pets or a pet with a chronic condition. Although it means monthly payments, it could also be extremely helpful when an emergency could come up.
Talk to Your Veterinary Office about Payment Plans
If you don’t have the cash that you need to pay for your pet’s medical care upfront, talk to your vet’s office. In many cases, they will try to work with you to come with some kind of payment plan, so you can pay the vet bill in installments rather than having to pay the full cost upfront.
In some cases, a vet may work through CareCredit. For those who are not familiar with CareCredit, essentially, it is a credit card that can only be used for medical expenses, and this includes any medical expenses related to your pet. What makes CareCredit different from a standard credit card is that it may be a little easier to qualify, and there may be a little more flexibility with repayment.
Non Profit Organizations
There are all kinds of nonprofits that can help provide financial aid or treatment for immediate pet medical care, chronic medical treatment, medical bills, emergency veterinary care, and all kinds of everyday/ common veterinary services. Here are a few to look into:
- The Humane Society. Probably one of the most recognized animal welfare nonprofits, the humane society can help pet owners with all kinds of medical needs by offering low cost assistance, or sometimes even free services. Along with that, they can connect you with additional resources, so you can take care of your pet.
- Land of Pure Gold Foundation. The Land of Pure Gold Foundation’s assistance is limited to working/service dogs diagnosed with cancer.
- Brown Dog Foundation. The Brown Dog Foundation provides pet owners in a temporary financial crisis with alternatives to euthanasia when their pet faces a treatable life‐threatening condition.
- Rose’s Fund. The rose’s fund helps pet owners from all walks of life, as much as they can, with financial assistance.
- Cody’s Club. If your pet is going through cancer treatment, Cody’s Club can help with financial help, as well as provide emotional support for owners and families.
- The Magic Bullet Fund. A non profit that can help pets going through cancer through several approaches with their assistance programs.
Additional Non Profit Organizations
- The Pet Fund. The pet fund provides financial assistance to owners of domestic animals who need urgent veterinary care.
- Red Rover Relief. Red Rover Relief can help pet owners and rescue services get emergency funds for veterinary care. Additionally, they also focus on providing assistance for pets and owners seeking help from domestic violence.
- The Mosby Foundation. The Mosby Foundation can help dog owners who cannot afford urgent care, emergency assistance, cancer care, along with spay/neuter costs.
- The Big Hearts Fund. The Big Hearts Fund provides financial assistance in the form of grants to feline or canine pets who are in need of diagnosing and treating heart diseases.
- Look into Breed Specific Non Profits. If your pet is a specific breed, research breed specific charities. As some breeds are more prone to certain health problems, charities try to focus on that, and help with care costs, or provide medical assistance.
- Feline Veterinary Emergency Assistance (FVEAP). FVEAP offers cat guardians with all kinds of financial assistance so they can seek vet care for illnesses or injuries for their cats or kittens.
These are just a few of the non profit organizations that focus on the welfare of domestic animals. Chances are there is even more assistant, through local organizations out there, so definitely do your research.
Fundraising or Crowdfunding
A classic fundraiser can help you get the cash you need; many shelters/local animal welfare organizations may also be open to donating or helping you raise funds. However, right now, because of the pandemic, crowdfunding may be the better option. Crowdfunding is fundraising done online, with platforms like GoFundMe. The great thing is that you can reach out to all the connections you may have on social media, and strangers can donate as well. You’ll have to set up a goal, and individuals can donate as little as a dollar or as much as they want to help reach your goal.
Visiting Low Cost Veterinary Clinics
Just like there are low cost health clinics for people, there are low cost vet clinics and hospitals. These places can offer medical treatment at a much lower price than an alternative vet visit, as they are set up for low income individuals or those who are in financial need.
Along with a lower cost, these clinics tend to be flexible with payment plans. There are many of these all over the United States, and a quick google search can help you connect with some in your area.
Borrowing the Emergency Cash to Pay for Pet Medical Care
Another option that you can consider when the above doesn’t work for you is to take out a loan. Here are some loan types that can be used for pet care:
- Personal Loans. Personal loans can be used for a variety of different expenses, including medical care, for your pet. In general, these loans may be limited to those with good or fair credit.
- Credit Cards. Credit cards are another loan option that can work well for emergencies. Just keep in mind things like due dates, interest rates, and the credit limit on a credit card or credit card that you are using.
- Payday Loans. Payday loans are short term, small amount loans. They use the borrower’s paycheck to secure the funds. Note that payday loans usually have very short terms that can be inconvenient.
- Title Loans. Title loans are a type of secured lending that uses the borrower’s vehicle as collateral. Instead of focusing on your credit score, title loan lenders will pay attention to the value of your vehicle, your ability to repay the loan, and your income. In most cases, a borrower can continue driving their vehicle while they make their monthly payments, adding convenience to the process.
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Get Started to Find the Funds You Need to Take Care of Your Furry Friend
Pets can be more than animals; they can be your family members or your best friends. When you need emergency cash to pay for their medical care, you may feel panicked or overwhelmed. However, with the various options that are out there, you don’t have to!
Assistance from pet insurance coverage, non profit organizations, a visit to a low cost clinic, help from a larger online community, and even a loan can help.
If a title loan seems like the right option for your cash needs, start with Max Cash Title Loans, with an online title loan application. For the other options, inquire for financial assistance with a google search! Getting cash for your pet’s needs is definitely possible. Get it done as soon as you can to make sure your pet is happy and healthy.