Skip to content
Six Ways to Handle Unexpected Vet Bills Article

Six Ways to Handle Unexpected Vet Bills


If you’re an animal lover with a few pets, you do your best to take care of your furry or feathered friends. Like you, they’ll need health check-ups and will get sick or injured at some time, requiring medical attention.

To make sure those expenses don’t become a financial burden or are so costly that you can’t afford the treatment, here are six ways to help you prepare for and deal with them.

  1. Create a savings account specifically for pet expenses. If you have many pets or one with a known medical condition, put aside a set amount each pay period in a separate account just for those expenses.
  2. Pet insurance. There are quite a few pet insurance companies to choose from, like Figo Pet Insurance, Healthy Paws, and Trupanion. Many won’t cover pre-existing conditions, so choose an insurance company before your pet develops a chronic condition.
  3. Negotiate an installment plan. If you’ve been a customer in good standing, your vet may be willing to accept payment in monthly installments.
  4. Find animal welfare organizations or charities in your community. Some animal shelters offer veterinary loans and grant programs, and many veterinary schools run low-cost clinics.
  5. Care Credit. Many vets accept this credit card which is specifically made for health care expenses, including your pets’. It offers different financing options, some even foregoing interest charges for 24 months, as long as you make minimum monthly payments and pay the amount in full by the end of the promotional period. If you do not, interest is charged from the original purchase date.
  6. Apply for a Personal Loan. If your pet’s treatment is going to be a major expense, then please consider our personal loan. Our loans have a fixed rate with monthly payments.

© Copyright, CUNA. All Rights Reserved



Recommended Posts

External Link Disclosure

By accessing this link, you will be leaving AMOCO FCU's website and entering a website hosted by another party.

Although AMOCO has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the credit union's website. The other party is solely responsible for the content of its website.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the credit union.

You will be redirected to

Click the link above to continue or CANCEL

For a better website experience, we recommend viewing our website on Microsoft Edge, Chrome or Firefox. Thank you!

We recommend downloading one of these browsers for a fast, secure, and modern web experience.

Login to your account