10th May 2023

Financial Help

When your furry companion needs veterinary care, your priority is ensuring they receive the help they need.However, exams, medications, and surgeries can add up quickly and leave you with significant costs to pay. But don’t worry, we’ve compiled a list of 7 ways to get help with vet bills and reduce vet expenses, so you can focus on your pet’s health rather than the hefty bills. From finding affordable care options and loans for vet bills to preventative measures, these tips can make a real difference in keeping costs down while giving your pet the best care possible.

 

Overview

  • Pet insurance
  • Low-cost vet care
  • Charitable organisations
  • Loan for vet bills
  • Health care credit cards
  • Crowdsource funding
  • Buy now, pay later
  • Sell your unused items online

7 ways to get help with vet bills

 

Each year you’re likely to spend around $962 on a cat, and $1627 on a dog – and that’s all before vet bills, emergencies, and pricey medications eat through your savings. So, here are 7 ways to get help with vet bills:

 

1. Pet insurance

One of the safest ways to cut costs on your next vet visit is by securing pet insurance. This means you won’t need to cover the whole cost yourself.

Instead, you will get some help from your insurer. And just like human health insurance, it will generally cover accidents and illnesses. However, each pet health insurance company will come with different features, terms and conditions, so be sure to carefully assess your options before deciding on one. Luckily, there are plenty of helpful websites that will let you compare each company’s plan.

2. Low-cost vet care

Another way to get help with vet bills is opting for low-cost vet clinics around Australia. Although sometimes it can take longer to get an appointment, the lower vet costs will be worth the wait! Some of the best low-cost vet clinics around Australia include:

how to get help with vet bills - low-cost vet care

3. Charitable organisations

Reaching out to a charity to get help with vet bills can feel stressful, however, there are a wide range of different organisations that are willing to give you financial assistance and support your furry friend.

You will need to apply for help and your result will be based on your income. If you have a low income and need money fast, you may be entitled to receive financial assistance.

Some great charitable organisations you can turn to for help include:

4. Loan for vet bills

Small personal loans are one of the best options when it comes to getting yourself out of a tough financial situation. Luckily, there are plenty of good loan companies (like Red Tree Finance) that can help you pay for your vet bills in Australia.

They’re also super easy to apply for online from any device and you can use your vehicle as collateral. Plus, you can get the money in your bank account the very same day.

5. Crowdsource funding

Another great way to get vet fee assistance is crowdsource funding, which is a collective effort of raising money through friends, family, and generous strangers.

Crowdsourcing can actually be a highly effective way to cover the cost of your vet bills. All you need to do is set up a campaign on an official crowdsourcing website and you should be able to get your bills covered in no time! Some great crowdsourcing websites include:

how to get help with vet bills - crowdsource funding

6. Buy now, pay later

Many veterinary clinics nowadays offer buy now and pay later options. This means you can get your vet assistance and pay your bill in instalments over time. Some popular buy now and pay later options available to most vet clinics include:

 
Be aware of buy now, pay later options as they can sometimes interfere with your credit score.

7. Sell your unused items online

If you’re not interested in applying for any payment plans with your veterinary clinic, then a simple way to get some quick cash is by selling your valuable items you no longer have use for. There’s always someone to find use for your old items, whether they’re clothes, electronics, collectables, furniture, toys or crafts. A great place to start is by listing your items up on Facebook Marketplace, Gumtree, eBay or Etsy. And, soon you will have the funds to cover your pet’s medical expenses.

how to get help with vet bills - sell your unused items online

Finance your next vet visit with Red Tree Finance

If you’re in need of medical assistance for your beloved pet, consider getting an instant loan with Red Tree Finance.

You can easily apply in less than 5 minutes and receive up to $5000. Our team works quickly to give you a decision within 2 business hours so you can get a same day loan and avoid prolonged stress. Apply for a loan today and leave the financial stress to us!

If you have any questions or want more information on applying for a loan for vet bills, please don’t hesitate to contact us today.

FAQS

Aside from the above list of ways to save on your vet bills. We also recommend being up front about your budget and contacting different vet clinics to assess all your options. You can also try asking if they offer discounts for any services and whether they provide free routine check ups.

For human healthcare in Australia, Medicare and the PBS subsidise our health costs. Unfortunately, there is no Medicare system for pets. This means pet owners are required to pay the entirety of the vet bills, which is why the cost of veterinary bills tends to be so expensive.

A visit to the veterinary clinic will most commonly have some sort of out-of-pocket costs, whether that’s a small or large payment. However, many vet clinics are now offering payment plans to help pet owners with hefty bills. If you are facing issues that make it difficult to pay for your pet’s medical care, then we recommend calling the RSPCA welfare line on 1300 4 777 2 for more advice.

The information provided in this blog is of a general nature and is provided without considering your specific objectives, financial situation, or needs. It is intended for informational purposes only and should not be relied upon as financial, investment, or other professional advice.

Before making any financial decisions or taking action based on the information presented, you are strongly encouraged to assess its appropriateness in light of your individual circumstances. Red Tree Finance does not intend to provide personalised financial advice, and you should seek independent financial, legal, tax, and other relevant advice tailored to your unique situation.

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WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The above uses a comparison rate of 47% and upfront establishment fees of $420.

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