Tips for Budgeting for Emergency Pet Expenses

Mark Gordon BrownStarred Page By Mark Gordon Brown, 6th Jan 2013 | Follow this author | RSS Feed | Short URL
Posted in Wikinut>Guides>Pets>Tips & Advice

Pet owners need to always be aware of the risks of emergency pet expenses. Its tragic to see somebody searching online for free veterinarian help because they cannot afford to take their pet to the vet, but it happens a lot. Here are some tips and a link to learn more about a place where people really can get free online veterinarian help.

Veterinarian Expenses

If you are a pet owner you probably already know how expensive basic veterinarian care can be. Of course it is even worse when an emergency pet expense pops up.

Some people assume vet care should be cheaper than it is but the reality is that veterinarians have high overhead expenses, their building, equipment, and so forth, as well they are educated and their education and skills are worth paying for.

It is important for pet owners to be financially prepared for vet expenses.

Different Types of Veterinarian Expenses

Predicted Medical Pet Expenses – There are certain veterinarian expenses that are predicted and predictable and should be known when getting a pet. This would be things such as vaccinations, worming, and spaying or neutering. These are generally not that expensive and can be budgeted for. If a person is getting a new pet they can even reduce these expenses just by getting a pet where all initial expenses (vaccinations, worming, spaying or neutering) are already done.

Emergency Pet Expenses– These are things that are unexpected such as if the pet is hit by a car, or sick. These are harder to budget for and can be very expensive.

Known Risks and Costs – These are situations where people put their pet at risk of having an expensive veterinarian bill, such as breeding. There are many known, and expensive, risks of breeding, from the pet needing Caesarian section, to sexually transmitted diseases. These expenses should be planned for if a person is breeding their pets.

Planning for Veterinarian Expenses

Before getting a pet a person might want to consider their financial situation and plan accordingly, possibly not even getting a pet if they cannot afford veterinarian bills.

You may want to get pet insurance, of which there are many types and different companies offering pet insurance. In general most pet insurances cover emergency care, some will cover vaccinations and so forth. Pet insurance generally does not cover pre-existing conditions or breeding risks.

I suggest pet owners keep a pet expense buffer in their bank account; a savings account for pet emergency care, the amount of which depends on what type of pet they have. For a small caged pet this might be $200, for a cat or dog it might be $500, and for a breeding animal it might be $1,000 or more. This buffer money should be saved and used for pet emergencies only.

Getting help on the internet for a sick or injured pet is risky because you just do not know who it is that is answering, they may not even be a pet owner or person with pet experience. For example a person might ask on a pet forum, or question and answer site, if it is okay to give Tylenol to their dog, and they might get an answer of “Go ahead, I do not see why not”. However Tylenol is actually toxic to cats and dogs, and even aspirin is risky.


Learn about where you can get Free Vet Help Online

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Guide on Cat Care

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Meet the author

author avatar Mark Gordon Brown
Raised in Michigan, I have a son who recently joined the Military. I am living in Canada with my wife where we have a hobby farm.

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author avatar Judy Ellen
6th Jan 2013 (#)

Great Article with good information, Mark! Thanks for this!!

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author avatar cnwriter..carolina
6th Jan 2013 (#)

Great piece this Mark...

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author avatar Delicia Powers
7th Jan 2013 (#)

Yes, this is so vital, pet care can be devastatingly expensive and something needed to be thought through before deciding to get a pet- they are so cute you we want them all be being able to take responsible care for them in reality very hard....thanks Mark

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author avatar Delicia Powers
7th Jan 2013 (#)

sorry what I was trying to say at the end there is we want them all BUT- not be:0)

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author avatar Buzz
7th Jan 2013 (#)

Thanks for this piece of info and tips, Mark.

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author avatar Sivaramakrishnan A
7th Jan 2013 (#)

Some pet owners are known to abandon them even as I read in the papers here. Thanks for the useful info though I do not have a pet - siva

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author avatar Christine Crowley
7th Jan 2013 (#)

Good advice. Quite a while ago, my Siamese kitten broke his leg. Cost: $200 which back then was a LOT. Did I pay it - of course! Pet insurance I should look into.

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author avatar writestuff
15th Jan 2013 (#)

Very sage advice. I truly believe in pet insurance. I was force to get it when I had income property and it paid off as I also had saving set aside for emergency care. My dog was an attack-trained Belgian (Malinois) Shepherd, named Demon.

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