"Times are hard financially, but my vet won't give me a break on veterinary care -- not even a payment plan! I told her that, at this point, my dog is a luxury and, if I can't get help with her medical care, I won't be able to keep her. What can I do?" --P.D., Cincinatti, MO
I agree that finding the funds to pay for a pet's medical care is a challenge for all of us, especially if we live with more than one animal. For me, it's usually a cash flow dilemma since my veterinarian expects (and deserves) full payment at the time of the service. I've created several ways to remedy this situation for myself. I have a credit card that I don't use for anything but pet care (see www.CareCredit.com), I designate 'pet care' as a line item in our monthly family budget (so funds accumulate for that purpose throughout the year), and I'm considering pet insurance to help cover the costs of routine care (and perhaps some major illnesses). The point is I've realized that just giving a pet a good home isn't enough. I also have to be sure that I can provide a responsible level of health care for my animals. Trust me, that wasn't my mindset when we adopted four dogs, two cats, two guinea pigs, and an aquarium full of fish. I got caught up in the thrill of 'bonding' and, later, got blindsided by the agony of unexpected vet bills.
Still, I understand why veterinarians can't adjust their fees or their methods of collecting payment. First, they deserve the payment. Veterinarians are doctors, with vast knowledge and experience that they bring to every case they see. They are also independent businesses, with their clinics equipped with a wide range of diagnostic, treatment, surgical, recovery, and routine care necessities. Unlike physicians in human medicine, veterinarians don't have access to a common hospital. Most are self-contained hospitals, capable of providing amazing care.
The other problem vets have is charging a fair market price for their services so they aren't viewed as 'undercutting' the other clinics in town. We had a vet in our community once who was such a soft-hearted man that he often provided discounted or even free services for those who said they couldn't afford treatment. Eventually, he got the reputation for being the one to go to if you didn't want to pay high vet bills. Other vets got annoyed with him because it seemed that he took business away from them and eventually he 'burned out' trying to take care of an overload of hardship cases and closed his practice.
I know there isn't a good answer to this question. The fact is pets can be expensive and that knowledge should be part of your decision to adopt an animal. My theory is that if we practice preventative care (annual exams, vaccines, dentals if needed, etc.), the costs actually stay lower and more balanced over time because you don't encounter the emergencies and chronic problems as often. You catch little things before they become big things -- and, overall, spend less.
What do you think about the cost of veterinary care? How do you view it? How do you handle it?
(Photo from istockphoto.com)
--Laurel