Why does it cost so much to provide veterinary care for my pet?
The fees that you pay for veterinary services take into consideration a number of factors, including the costs to compensate your veterinarian and veterinary team for their professional services and the expenses involved in maintaining the hospital and equipment. When someone decides to adopt a pet, he or she needs to be prepared to include annual veterinary care in the overall cost of owning the pet.
Thanks to advances in veterinary medicine, pets are living longer, which means you may be spending more over the lifetime of your pet. However, in general, the annual cost of caring for a pet hasn’t increased much over the past several decades. Consider how much the costs of many professional services, such as human healthcare, have risen over that same period! Certain advanced procedures may come at a higher cost, but as the owner, you decide what care you want to provide to your pet. Overall, veterinary care is a terrific value for pet owners.
It may seem like you’re paying more for your pet’s care than for your own, but that perception may stem from the fact that you’re paying the entire cost of a service or procedure, rather than a percentage or set fee determined by an insurance company. If you want to save money on your pet’s care, there are several pet insurance plans available. These plans may cover or help keep costs down for many routine veterinary services, prescriptions, medical conditions, and diseases. Your veterinary hospital may also offer a third-party healthcare line of credit as an option. Be sure to ask your hospital if they accept any of these plans.
Veterinary care seems way more expensive than it should be. Shouldn’t veterinarians go out of their way to help owners keep pet care expenses down?
As the owner, it’s up to you to decide how much money and care you’re going to put into your pet. Each pet owner has his or her own idea of what constitutes reasonable pet care. Your veterinarian recommends services, procedures, and preventive measures that he or she feels will benefit your pet. The owner makes the final decision as to what options to provide.
Veterinarians understand that the cost of taking care of a pet can sometimes seem overwhelming, and they will do what they can to help owners. For instance, your veterinarian can often provide suggestions for how to stay within your budget, such as spreading out routine services. However, when someone decides to take on the responsibility of caring for a pet, he or she needs to be prepared for the expenses associated with veterinary care and to compensate veterinarians for their time and expertise.
My veterinarian says my pet’s office visit is going to cost several hundred dollars. I can’t afford to pay that much money at one time! Isn’t there some sort of veterinary payment plan?
Just like your doctor, dentist, and most other professional offices, veterinary facilities usually require payment in full at the time of service. You can call before routine visits and ask about the hospital’s payment policy, as well as any alternative payment methods. Most veterinary facilities accept major credit cards, and some also accept veterinary insurance plans.
If you would like help in preparing for pet care expenses, contact your veterinary hospital. They can often advise you on how much you can expect to spend on routine care for your pet, as well as how to prepare for emergency care. In addition, your veterinarian can help by spreading out preventive health care services over several visits.
My pet is injured/sick, and he/she needs to see a veterinarian. However, I can’t afford the office visit, much less treatment. What can I do?
Many veterinarians who see a pet on a regular basis are usually willing to work with the owner to come up with a payment plan. This is one of many reasons why it’s a good idea to keep up with your pet’s routine care. Owners whose pets don’t receive regular veterinary care will have a harder time finding a veterinarian who is willing to provide services without guaranteed payment. Contact your veterinary hospital, and ask if they offer any alternative payment options.
Why is veterinary care for my pet(s) so expensive? Sometimes I believe that I’m spending more on my pet’s health care than on my own!
Relatively speaking, veterinary care is a great value! The cost of veterinary care has risen very little over the last 20 to 30 years, especially when compared to the cost of human health care or almost any other service.
Veterinary fees are a reflection of the costs of maintaining suitable facilities, equipment, and support personnel to provide the level of care that is expected in animal medicine today. Remember, too, the original cost of the animal has no bearing on the cost of services delivered. Annual veterinary care is a cost that should be factored in to the decision to own a pet.
I just got a new puppy/kitten. How much will veterinary care cost during the first year? And how much should I expect to spend annually after that?
Puppies and kittens generally have the same health requirements: an initial veterinary visit that includes a physical exam, vaccinations, and tests for parasites. Follow-up visits include the rest of the puppy/kitten series of vaccinations, as well as treatment and preventives for parasites. Most veterinary hospitals can give you a basic estimate for these services, and most of the fees for these services shouldn’t vary significantly from hospital to hospital.
Why do some veterinary hospitals charge such different prices for the same procedure(s)?
Each veterinary hospital sets its own fees. These fees are largely based on expenses, such as salaries, utilities, and rent, that all vary from one area to another. However, the services that are covered under the same procedure or treatment may also differ from clinic to clinic. Medications, medical techniques and products, anesthetics, and equipment can all affect the cost of services.
I’ve found a clinic that’s offering prices well below what other clinics are charging for veterinary care. Is this a good option if I don’t have much money to spend on my pet?
Just like human doctors, veterinarians are expected to meet minimum standards of care (as overseen by veterinary regulatory authorities). Thus, the quality of care that your pet receives should not change based on the fees charged for services. However, if prices are considerably lower at one clinic, you should ask for clarification about what the procedure or treatment includes. You may find substantial differences in the level of care provided by that clinic.
Can I get health insurance for my pet? If so, what’s covered?
Several companies offer health insurance for dogs and cats (and other pets). These plans have premiums and deductibles, just like human health insurance plans. The premiums and deductibles vary based on the level of coverage that you select. Many routine services, such as office visits and diagnostic testing, are covered, as well as prescriptions, procedures, and surgeries for a wide variety of diseases and conditions. However, there are restrictions and limits, as well as certain guidelines to follow, including making sure your pet receives regular preventive care.
Your veterinary hospital should have more information about pet health insurance.
If my pet’s problem doesn’t get better, can I get a refund for his/her veterinary care?
Unfortunately, we can’t offer refunds for veterinary care. Our fees cover the cost of examining, testing, diagnosing, and treating your pet.
Not all health problems have a straightforward solution. Some may be chronic, requiring a long-term management plan; others may be more difficult to diagnose or may involve several causes. A cure may not always be possible, and treatment may be ongoing. Your veterinary team will do everything they can to find answers and continue to help your pet.