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If your pet gets sick and you cannot afford treatment

by Coach Lilly

We know this is a delicate topic and no one wants to think about it.  However, by being a pet owner, you have to plan for the unexpected. What if your pet becomes sick or injured, and they need expensive veterinary care, what will you do?

Here are some helpful tips: 

1. We understand racking up credit card debt isn’t the best plan but many veterinary clinics accept credit cards and this possibily can help the situation.  If you must use your credit card, make sure to pay more than the minimum payment to pay off the debt as soon as possible.

2. Ask if the hospital accepts “Care Credit”.  If you haven’t heard of this, Care Credit is a line of credit that you can apply for on an emergency basis and it is a credit line available at a fairly reasonable rate that is used for medical expenses. 


3. Perhaps you eat at home more, not go to the movies or theatre, or not go shopping for a little while.  By cutting back on your social activities, you can use that money to pay for your pet’s vet bills.

4. We highly recomment pet insurance for each pet.  While it may be too late with the situation you are faced with since pet insurance does not cover “pre-existing” issues, but if your pet had an accident or the illness isn’t life threatening, the very BEST thing you can do for your pet is to purchase pet insurance.  We purchased pet insurance through Trupanion and they cover 90% of any illness or accident.  

If you are getting a new puppy, purchase the pet insurance when your pet is young and healthy – the premiums are reasonable.  We know we have mentioned pet insurance before and frequently recommend that our customers consider this.  We have used pet insurance on our own dogs and believe it is worth it!

Visit to get a quote today!


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