What to do about expensive vet bills

What to do about expensive vet bills

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What to do about expensive vet bills

Of course you love your pet—but the bills from the vet are another matter. Follow these tips on covering the costs, and on when it might be time to let go.

My late dwarf rabbit Molly was known as the Two-Thousand-Dollar Bunny among my friends. In fact, medical bills for this fluffball—adopted for just 20 bucks—were closer to $3,000 by the end of her life, 11 months after I brought her home.

Molly had Snuffles—not as cute as it sounds. Snuffles, or pasteurellosis, involves sneezing, wheezing, runny eyes and, in my bun’s case, an out-of-control abscess needing daily draining and two rounds of ultimately unsuccessful surgery.

I was a student at the time, and when my vet was talking options and price tags, I can't say every one of the tears I shed was for Molly. Later, as the bills piled up, my then-boyfriend demanded to know exactly where I'd draw the line. I couldn't say. He saw an inversely proportional relationship between the amount I'd spent on a rabbit and my suitability as a life partner. We'd already split up by the time Molly passed away.

Alda Loughlin, practice manager of the Animal Clinic in Toronto, sees many clients struggle with emotionally charged financial decisions about treatment. Here she shares insights into handling high-cost medical care for pets.

Reality cheque
People usually underestimate veterinary costs when they're planning to become pet owners. Loughlin relates that her clinic asks prospective animal adoptees how much they expect medical care will cost in the first year.

"How they answer dictates how we'll go forward with the application," she says. "People often think about $500 for a new cat or dog, but you may be looking—without medical problems—at $900 to $1,100, for neutering, exams, vaccinations and microchipping."

If those figures shock you, best get your fix of kitten cuteness on YouTube.

Cover yourself
One way of being prepared for big bills is taking out pet insurance; at Loughlin's practice, 30 per cent of clients have policies. While Loughlin supports this precaution, she admits hearing regular complaints about the hoops claimants jump through for reimbursements.

"If people don’t want pet insurance, I suggest they take $30 a month and put it away, or even pay it forward to their vet," she says. Loughlin stashes $100 a month between August and April for her own poodle's annual dental cleaning. "It's good to have a cushion," she says.

Negotiate a payment plan
If you're facing a big bill and you're not covered, your vet may let you pay in installments. "Mention that a treatment is price-sensitive," suggests Loughlin.

A word of caution: Not every practice offers this option, and if they do, they won't automatically make it available to every client. Loughlin recommends establishing a relationship with your veterinarian, as this will help.

Get assistance
Some charitable organizations will help pet owners who are retired, on disability benefits or on a fixed low income and faced with expensive veterinary procedures. In Ontario, pet owners may be eligible for assistance from the Companion Animal Wellness Foundation (requests go through the Veterinary Emergency Hospital in Toronto) or the Farley Foundation, says Loughlin. Ask your vet about similar foundations in your home province.

Do your research
The price tags for treatments can vary quite dramatically from clinic to clinic, so it's OK to shop around, advises Loughlin -- it's a question of balancing out quality and cost. "Call a couple of clinics, ask questions, and be very candid about your pet's condition," she says. She also advises asking exactly what's covered in each quote: is it just the surgery or also the pre-op bloodwork, post-op meds and follow-up visit?

And don't just let cost be the deciding factor. Checking websites with scores and client reviews of local practices or asking your network for recommendations gives you a sense of the level of care you can expect from an unfamiliar vet. 

Draw your line
While I couldn't draw a line for my rabbit Molly's medical care, I admit I sometimes felt frustrated that such sophisticated and expensive options even existed as I fell deeper into the red. And I've sometimes wondered if all the interventions were even fair to her.

I polled my friends recently on where they'd draw the line for their own pets. Most said there was no line, but one had an important insight to share, based on her experience paying a fortune to prolong the life of a suffering cat.

"I've regretted the course of treatment we gave my cat who had kidney failure, for more than a decade, but that taught me a lesson," she says. "Find a vet you trust -- one who knows you and your pet well. Just because you can do another test or try another treatment doesn't necessarily mean you should."



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What to do about expensive vet bills