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Vet Bill Sticker Shock

Vet Bill Sticker Shock

Cattle dog with injured leg lying down
A cattle dog with an injured back leg. (Photo by mdk572)

Over the years, I’ve borrowed money to pay veterinary bills and never paid any interest.  Considering that a teeth cleaning can cost over $800 at some vet hospitals, a fall back source of money is advised. Of course, owning a daycare presents the possibility that I could take a dog to a vet in an emergency and would be required to front the money if the owner can’t be contacted.  It could be thousands of dollars.

Care Credit was originally designed to pay vet bills.  I got the application from a vet and after careful study of the fine print, I applied.  There is no trick.  You can charge vet bills on your Care Credit card and pay it back in installments, interest free. [Be sure you use a vet that accepts the card.] You can use Care Credit to pay a bill even if your previous bill isn’t paid off.  The two or more balances will have different ending times. The oldest one will get paid off first so your time table stays in place.

I have managed to pay off every one of my charges on time by taking the amount of the charge and dividing it into the number of months that are required to pay it off in full.  Remember, there are no interest charges so it is simple to calculate.

Admittedly, my last charge still had a big balance at the end of the payment period.  I paid it in full using an interest free credit card and paying that off before the interest free period expired.  Never, ever let the bill go beyond the deadline because the interest rates are very high.

Care Credit has expanded now to include medical bills for people.  I have used mine for dental work; not sure what other types of bills are eligible.

I have no affiliation with Care Credit. My purpose here is to let you know about it so your dog will get vet care when needed, not when you can save up enough to pay for it.