Medical Aid Fund for Pets

Dealing with a sick or injured pet can be a struggle for any family. Aside from the obvious emotional toll, expensive vet bills can be a financial hardship. Fortunately, options are available for families struggling to afford the care that can mean life or death to your beloved pet.

  1. Pet Insurance

    • Many pet insurance plans are available for pet owners. Pet insurance works on the same principles as your own health insurance; monthly, quarterly or yearly premiums are paid and certain medical procedures or medications will be covered in the event your pet becomes ill. Like health insurance, coverage for older pets and those with pre-existing conditions is more expensive than for a younger or healthier animal. Many major insurance companies now offer pet programs or you can purchase it through individual insurance brokers. As with any type of insurance you will have coverage options so be sure to think carefully about your pet's risks, its health and what you can afford.

    Grants

    • If pet insurance is too expensive or your pet is already in need of medical attention and it is no longer a preventative measure, there are grants available, provided you meet some basic criteria. The American Animal Hospital Association is one of the leading grant contributors for pet care; its Helping Pets Fund has been providing financial assistance to pet owners since 1978. The Helping Pets Fund helps pet owners who are on government assistance, are experiencing temporary financial hardship or are acting to help an animal who does not have an owner. Certain areas also have grant programs for residents who need help affording care for their pets.

    Breed Specific Grants and Funds

    • If you have a pure-bred dog or cat there are sometimes breed specific options that can help pay veterinary bills. National and local breed specific organizations often offer grants or loans to owners, in some cases this is limited to pets that are experiencing health problems associated with over-breeding or inter-breeding or for older pets.

    Credit Lines

    • Some companies and charities offer credit lines to help pay for veterinary care. The charities usually offer no- or low-interest plans that you can pay off in monthly installments instead of one lump sum. For-profit companies are more likely to offer plans with higher interest rates, so be sure to read the disclosure information carefully. Many veterinarians will offer an informal version of this by allowing you to pay the costs of an emergency operation or special treatment over time instead of immediately. Talk to your vet and ask if a payment plan is available.