What do you do?

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What do you do?

This is a discussion on What do you do? within the Dog Health forums, part of the Keeping and Caring for Dogs category; My dogs have been incredibly expensive the past two months. My older dog got a tail amputation and my younger dog pulled prescription drugs off ...

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Old 07-12-2017, 09:35 PM
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What do you do?

My dogs have been incredibly expensive the past two months. My older dog got a tail amputation and my younger dog pulled prescription drugs off the counter and ate them. This set off a lovely chain of events that has included $600 worth of vet visits in the past 10 days, a hospital stay, multiple blood panels, and soon to be an ultrasound tomorrow.

They don't know why she's still puking. So they're doing an ultrasound tomorrow to look in her abdomen. If that doesn't show anything then they'll continue to do diagnostic tests.

My question is - what do you do when you reach the point that you can't afford it? I have savings to cover emergencies. So far I'm fine but the idea of all these tests makes me very anxious. I'm single and while I have a good job - I'm not Daddy Warbucks. I have a mortgage and a car and other bills. I'm not sure how I can afford all of this but I don't know what the alternative is. I've had a dog for 11 years and she would have a small emergency once or twice a year. But never like this.
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Old 07-12-2017, 10:05 PM
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Talk to the vet and see if there's anything they can do to reduce costs, or to work out a payment plan. In my experience, they're often willing to work with you when the costs start mounting up.
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Old 07-13-2017, 07:25 AM
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I agree with JohnR. If the dog has a possibility of living and will have quality of life I don't know if there would be a level of -too much
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Old 07-13-2017, 11:44 AM
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I guess I'll cross that bridge when I get to it. She's about to have an ultrasound. Hopefully that gives us answers.
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Old 07-14-2017, 11:11 AM
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I'm a fan of Care Credit. I used that when my dog was diagnosed with heart failure. His tests and monthly medicines were quite expensive. They offer no interest for either 6 months or a year, depending on how much you spend.

https://www.carecredit.com/
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Old 07-14-2017, 02:01 PM
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Thanks. My vet has a sign about Care Credit on their door. My puppy isn't even 2 so I definitely did not expect this level of bills. I wish she had insurance. This month alone I've spent $1500 and still have no answers. I can't keep on spending this kind of money.

The ultrasound showed a couple of vague things. A swollen lymph node in the small intestines and a slightly bright spot on the liver. Both which could be caused by a laundry list of things. So we did more tests today. Not sure when they will end or how I will stay afloat if they continue.
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Old 07-14-2017, 07:10 PM
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I carry medical insurance for Samantha for these kinds of emergencies. Though the premium does go up as she gets older, I sleep better knowing that financial assistance is available when needed.
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Old 07-15-2017, 08:34 AM
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Really sorry to hear about your troubles. I want to add that Care Credit has been amazing- Delilah had a $3000 surgery and I didn't have to pay anything up front! I got approved for $3000 and have started paying it off weekly with no interest (so far at least, not sure if that will end up changing in a year). For me it was the least stressful way to go about such an expensive procedure.
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Old 07-15-2017, 06:44 PM
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With the Care credit card - is it a one time thing or can you charge multiple things to it?
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Old 07-16-2017, 12:24 AM
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I was going to suggest care credit, too, and am glad to see others recommending it. Care credit is like having a credit care specifically for certain types of spending (generally only medical)... but once you are approved, you can charge up to the limit if you need to, in one or many transactions. Just a warning... you have to pay it off in time or all the interest you could have avoided by doing so suddenly gets dumped onto the bill you owe and you may be paying it off for years more (and doubling your total payment in the process). But it has been a life saver for me as well.
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