Pet Insurance

Understanding Vet Visit Costs and Getting the Best Deals

As any seasoned pet owner will tell you, pet ownership can get expensive. The annual costs go well beyond just food, a collar and a leash. Dogs and cats need consistent preventative care and annual treatment in order to stay healthy and happy.

Before bringing a new dog or cat into your home, you need to consider if you are able to afford the long-term costs. While the average life expectancy for dogs is 8-13 years old and 17 years old for cats, some breeds can live well beyond that. It’s a commitment that requires patience and consistency. With that said, there are a few ways to help reduce the costs of pet ownership while maintaining a great lifestyle for you and your pet.

Tips on Reducing the Cost of Pet Ownership

One-time pet expenses

A bulk of your pet expenses will go toward those initial one-time purchases. In our opinion, go for quality and sustainable products that will last you years. Examples of what your initial pet expenses will cost include:

  • Adoption Fees $0-$500
  • Spaying or Neutering $35-$200
  • Microchipping $25-$50
  • Initial Vaccinations $60-$150
  • Leash and Collar $50-$120
  • ID Tags $10-$25
  • Crate $40-$150
  • Food and Water bowls $10-$60
  • Bedding $25-$199

Preventative Care

From food, treats, and toys to annual vet visits, prescriptions, and grooming, being a responsible pet parent means dedicating a monthly budget toward your pet’s well-being. One of the best ways to reduce the long-term costs is to focus on preventative care and daily maintenance.

High quality diet: Feeding your dog or cat a low-quality diet that’s full of fillers and preservatives can cause a series of health concerns later down the road. Issues such as allergies, skin lesions, shedding, gassiness, loose stool, and lipoma lumps can all be caused by poor quality pet foods. Beware of ingredient lists that include meat meal, animal byproducts, BHA/BHT, artificial coloring, MSG, corn, corn syrup, gluten, xylitol, soy, nitrates, cellulose, and chicken/beef/turkey/lamb “flavorings”.

Daily exercise: Dogs in particular need at least 30 minutes of exercise every single day. With larger or more active pets, an hour is recommended. Providing your pets with some form of exercise will help maintain their weight and avoid the chance of obesity.

Grooming: Yes, even cats need regular grooming. A regular grooming schedule can help save your pet from external health concerns and provide you the opportunity to consistently check for abnormal conditions such as lumps, rashes, etc. Depending on the breed of your pet, below are the regular grooming activities you’ll need to do:

  • Brush teeth – Daily
  • Brush coat – Every 1-3 days
  • Clean ears – As needed
  • Bathe – Every 3-4 weeks
  • Clip nails – Every 3-4 weeks
  • Hair trim – Every 8-12 weeks

Annual Vet Exam and Vaccinations: Even if your pet is healthy, it is always a good idea to take them for an annual vet exam and stay updated on your vet’s recommended vaccinations. As your pet gets older, the vet will likely recommend an exam every 6 months. These exams will help you prevent more costly health issues from developing.

Flea and Tick Prevention: For those pet parents who live near wooded areas or do a bit of hiking/outdoor activities, consider applying a regular flea and tick medication. There are many options on the market that will help prevent these nasty bugs from attacking your pets. From topical treatments to collars and shampoos, they can all help avoid infestations. Your pet’s annual exam is also a great time to get their vaccinations. These will likely include the core vaccinations for dogs – DHPP and Rabies – and for cats – FVRCP and Rabies.

Heartworm Prevention: Heartworm disease can cause serious health issues in dogs and cats. An infected pet can suffer from lung disease, heart failure, organ damage and even death. These parasitic worms are spread when an infected mosquito bites your dog or cat and the larvae matures into adult worms. The best treatment is prevention via an oral tablet or topical treatment that can be prescribed by your veterinarian.

Cheaper Prescriptions

Another great way to lower the cost of pet ownership is to find a cheaper prescription source. Most veterinarians can fill prescriptions in-house however will charge a high margin increasing the overall cost. Companies like PetCareRx offer discounted rates on popular pet prescription medications. They will contact your vet to get the written prescription and ship you your pet’s medications within a few business days. This is an easy way to lower costs on regular medications.

Group training costs

If you are a new pet owner or want to get your older pet some recurring training, look into group training programs. To put in perspective, a private lesson will cost an average of $45-$120 per hour. A group less will cost around $30-$50 per hour. When you’re paying for around 4-6 lessons, that’s a big savings!

Vet Visit Costs & Prices

When it comes to vet pricing, there really aren’t any national standards and vets are able to set their pricing based on location and demand. For example, a veterinary clinic in New York City is going to be more expensive than getting treatment in Kansas City. When researching what a particular service or procedure could cost, be sure to look at pricing in or near your location. That will help you better determine what you will be spending.

How to Choose a Vet

Choosing the right veterinarian for your dog is something that you should carefully consider. This is the person that could potentially save your pet’s life and keep them healthy. Both you and your pet should come to a consensus about this person before you make a long-term commitment to work with them. Here are some things to consider when choosing a veterinarian. One of the best ways to find the right veterinarian is to ask your friends and family members for recommendations. Before you go browsing through Yelp reviews, there are likely other families with pets in your area that may know some good veterinarians to check out, so that should be the first place you look for advice. 

When calling to inquire about making an appointment, take into consideration the attitude of the staff. If it’s difficult to book an appointment or get a straight answer to your questions, think about how you’ll feel when you have to call in about something more serious. When choosing a vet, keep in mind their overall personality. Are they calm? Do they have a good bedside manner? Does your pet seem to like them? A good vet will know how to soothe a stressful situation, instead of adding to it.  

Being comfortable around your veterinarian is important because you should be able to tell them everything about your dog. The same thing applies to your dog because they should also feel at ease around the vet. Some initial discomfort around a vet can be normal for some dogs, but signs of anger, fear, or distress toward a vet is certainly a red flag that you should move on. 

Quality Over Cost

Make sure that the vet you’re choosing has plenty of services available. A good veterinary practice will give you access to services such as x-rays, blood pressure monitoring, ultrasound, in-house lab tests, and even dentistry. You may want to check out what kind of equipment is available within the practice and who is qualified to use it. Also, knowing whether they have a method of monitoring overnight patients will give you peace of mind if your pet needs to be admitted to the surgery. There’s no doubt that caring for your pet can sometimes be a costly business. Make sure to ask questions like does the vet have fixed costs for set procedures, or do they give full quotes before going ahead with treatment?  

Getting a Second Opinion

Your pet and their health is a matter that’s close to your heart, so even when you’ve found your vet, you may want a second opinion on a particular subject. Remember, you are the pet owner and ultimately the final decision maker when it comes to your pet’s health. With a serious diagnosis, a surgery or a test recommendation can turn your world upside down and getting a second opinion could do wonders when it comes to setting your mind at ease.  

Emergency Pet Hospitals

Unfortunately, accidents do happen. When a medical emergency befalls our furry friends, pet parents may find it difficult to make rational decisions, especially if something occurs during the middle of the night. That’s why it’s crucial to have an emergency plan in place before it’s too late. Talk to your veterinarian about an emergency protocol. Does your vet provide 24-hour service or does he or she work with an emergency clinic in the area? Some practices have multiple veterinarians on staff who rotate on-call services after hours. Check to see if your primary care vet has partners who might answer an emergency call. It’s also a smart idea to keep the name, number and address of your local emergency clinic in an easily accessible location.  

Covering an Expensive Vet Bill

Vet bills can be hefty, and they can add up quick. Whether you’re there for routine vaccines or emergency X-rays, your vet may have options for payment other than putting it on a credit card with a high APR. Many vets will offer great service rates for cash payments made in full or have other in-house options. There’s no harm in asking your vet what offers are available especially when it comes to getting your pet the proper care they need.

House Accounts and Split Payments: Some veterinary practices will offer credit lines to customers or will offer the ability to make payments over time. Many will require a credit card on hold before services are rendered and ensure the negotiated payments are made. Having a house account or split payment plan can help your pet get the treatment he or she needs without having to break the bank all at once.  

Pet Specific Loans: If faced with a large bill that you can’t cover with a credit card or other payment method, you may consider a pet-specific loan. As with credit cards, the APR can be quite high ranging from 8-29.99% for up to 72 months.

Pet Insurance: Did you know the average cost of an emergency vet visit is between $800-$1,500 and can cost an upwards of $10,000 for serious procedures? This is where pet insurance becomes truly worth it. Pet insurance can help prevent heavy financial burden in case of unexpected and expensive vet care emergencies. They offer affordable monthly payment plans and, depending on your policy, will reimburse you up to 90% of the costs. Having pet insurance gives pet owners peace of mind knowing they will be able to afford an unexpected treatment and mitigate those large bills.  

The Low-down on Pet Insurance

When it comes to reducing veterinary costs, pet insurance is something all pet owners should consider. Pet insurance is a great way to help pet owners reduce the financial burden of unexpected and expensive vet care. It also allows pet owners to get the best possible care for their dog or cat without worrying about what’s in their bank account.

There is much more to proper pet coverage than finding the cheapest insurance rates. Here are a few things to look for when choosing a pet insurance provider:

Type of Pet Insurance Plan

When looking for pet insurance, consider what type of coverage your pet needs. Not all plans are the same so doing a bit of research and comparing coverage will help you figure out what the best option is for you. Here are some of the most popular pet insurance plans available on the market:

Accident-Only Plan: This type of plan will cover most unexpected harm or injuries caused by an accident such as broken bones or bites from another dog or animal. However, as with most pet insurance plans, pre-existing conditions will likely not be covered. An Accident-Only Plan is a budget friendly option for dogs and cats with a clean medical history that may only need to visit the vet for annual check-ups or in case of an accident.

Accident & Illness Plan: Most pet insurance providers will offer an unexpected Accident and Illness Plan which will cover not only a broken leg or bite but things such as ingesting a foreign object to something more serious like cancer. Like the Accident-Only Plan, pre-existing conditions or diseases that have a recommended vaccine may not be covered. If your pet has had a pre-existing condition such as Addison’s Disease, Cushing’s Disease, Diabetes, Cancer, Feline Leukemia or Feline Immunodeficiency Virus, the insurance company may only offer you an Accident-Only Plan as an option. An Accident and Illness Plan is a good option for most breeds especially those prone to genetic concerns such as hip dysplasia or respiratory problems.

Comprehensive Plan: A comprehensive plan will include not only the Accident and Illness Plan but access to preventative care with a Wellness or Routine Care Plan. This plan will usually give provide an annual credit toward preventative treatments such as flea and tick medication, heartworm prevention, annual vaccinations and microchipping. This option is great for the ongoing care for your dog or cat.

Flexible Insurance Premium

If you’re on a tight budget, look for a pet insurance provider that has flexible coverage options that let you choose the amount of annual coverage you need. Instead of being forced to choose a one-size-fits all policy, a flexible plan will let you choose your annual limit, deductible and reimbursement percentage. All of these will help determine your monthly insurance rates without sacrificing proper coverage.

Age Restrictions

Before deciding on a pet insurance company, research whether or not the plan has any age restrictions. The last thing you want is being dropped from your insurance company because your dog or cat has become too old for coverage.

Maximum Annual Limit

Before choosing a policy, be sure you understand the maximum coverage your pet’s policy will cover. This is called an annual limit and it’s the maximum amount of money the pet insurance company will pay toward your pet’s ongoing health in any given year. There are a few ways your pet insurance plan will categorize the claims basis, or how they determine to cover the vet fees. The annual limit covered for a pet policy can be:

  • Per Year in which all qualified conditions are covered up to a certain amount each year. The annual amount resets each year.
  • Per Condition in which a particular covered condition has a maximum allowance per year. Once that amount is reached, you will need to pay out of pocket or wait until the annual allowance resets.
  • Total Per Condition in which the covered condition has a maximum limit in total. The limit does not reset each year, it’s simply a set amount over the course of a lifetime.

Final Thoughts

Like with anything, getting the best deals and saving money on vet costs and on-going pet care is achievable with research and comparison — it’s a good idea to shop around. And while not always the cheapest option, bear in mind that quality products and treatment will provide you and your pet with the best long-term results. Don’t forget to look into supplemental benefits that you might need to keep your pet healthy!

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