When Money Becomes a Concern for Pet Guardians

Pets are a lifelong commitment!
Your dog is no less important then your human offspring. They rely on us for their well-being, and it’s our duty to see that they receive the medical care they need, when they need it. Nothing infuriates me more than when I hear of so-called “pet-parents” who seek to give up their dog when it shows the first hint of “need”, or when they see the dog showing signs of age and want to avoid future medical expenses.
These people should be thoroughly ashamed of themselves, and they have absolutely NO RIGHT adopting a pet from the start.

Your dog gives you his ALL.
Not once did your dog ever turn his back on you in your times of need.
Your dog is NOT a your property, he is an INNOCENT, PURE LIFE.

He’s deserving of love, dignity, and the same faithfulness he gifted YOU with.

Cute Dog Puppy

Cute Dog Puppy (Photo credit: epSos.de)

Thankfully: most of us who adopt a furbaby are much more conscientious then those other people. We take  on our fur-wrapped miracles with the full understanding of the responsibilities that come with it.

Walter Basinger

Walter Basinger (Photo credit: andreaarden)

We live in a time where finances are not reliable. Money is tight, and nothing is certain. I’m sure that many of you have been up nights, tossing and turning as the “what-if’s” crawled into bed and shared your pillow, crowding out any chance of sleep.

“What if something happens to (fill in your furbabys name).  How will I pay for his care?”

I had many a night with that uninvited bed-fellow. My Coco is eleven years old now, and I know what’s ahead. The last thing I want to worry about is where I will come up with the money I need to pay for any future medical expenses. And there is no WAY I will have her go without something if she needs it.
I’m not going to make this blog entry  all about pet insurance, but I can tell you that my sleepless nights demanded I acquire some, and the relief it has brought me is immeasurable. I no longer worry that Coco will want for anything. I chose Healthy Paws Pet Insurance, because it was affordable, is located in my state (Washington State), and because they cover almost everything except pre-existing conditions and routine veterinary care. (Also, unlike some insurers, Healthy Paws “does not place restrictions on hereditary and congenital conditions.”

I pay about $30 a month to cover Coco. Her expenses are covered up to 80%.  It’s so much easier to pay $30 a month instead of facing a bill that can be thousands of dollars all at once. If you’ve played with the idea of procuring some insurance for your dog, my advice is “do it”.

The Care Credit Card is another method of financing that’s available to many pet guardians. It works pretty much like a credit card.
The cons: Er…. it works much like a credit card! You have to apply for the credit, and get approval. If you have no credit or bad credit, this isn’t a very practical route for you to take. This aside, consider the APR (Annual Percentage Rate) which is currently sitting at 26.99%. Kinda spendy. I’ve carried a Care Credit Card on two different occasions. You have to have good credit and a healthy income to have a decent credit limit, which is something else to think about.  A bonus of Care Credit is that you can use it to pay for more than just veterinary care. It may also pay for your next dental appointment! In all, I don’t prefer the Care Credit Card, but it’s definitely an option for some to consider.

Interested in Pet Health Insurance? The North American Pet Health Insurance Association (NAPHIA) is here to help you sort through your options.

Talk to your veterinarian and find out what financial help they recommend/accept. (Some clinics have special funds set up for low-income pet-guardians.)

Wee Westie - Loyal Dog

Wee Westie – Loyal Dog (Photo credit: Randy Son Of Robert)

If insurance, a Care Credit Card account, and/or local funding are just not an option, explore the resources (below) offering financial assistance for pet owners.
It’s my sincerest hope that if you need help, you find it here.


Diabetic Pets Fund

Shakespeare Animal Fund

The Mosby Foundation

Brown Dog Foundation

Red Rover

IMOM (In Memory of Magic)

Angels 4 Animals

Rose’s Fund for Animals

The AAHA Helping Pets Fund

The Big Hearts Fund

Magic Bullet Fund

Face Foundation

Cody’s Club

Ginger’s Legacy

The Onyx & Breezy Foundation

The Dog and Cat Cancer Fund

Land of Pure Gold Foundation

Hearts United for Animals

Pets In Need

God’s Creatures Ministry

Tails of Hope


Many people have found hope raising money to pay for their pets medical expenses by creating an online fundraising site using platforms like Chipin.com.
Unfortunately, the popular Chipin pages were closed for good March 07, 2013. The good news? A handful of new fundraiser websites have emerged from Chipin’s  ashes and appear (to me, at least) worthy of taking a look at. Here are a few to get you started:



If you need some ideas, check out:

Ideas to Help Pay Veterinary Bills

For Pet Guardians who are Homeless:

Pets of the Homeless

Help for Assistance Dogs in Need:
Assistance Dogs United Campaign (ADUC)

Help for Guardians of Disabled Pets:

Handicapped Pets Foundation



DSC_4405.JPG (Photo credit: Ryan Tir)

Click HERE for a State-Specific Resources List

A cat and dog, the two most popular animals ke...

A cat and dog, the two most popular animals kept as pets. (Photo credit: Wikipedia)

For Animals In Need with No Known Guardians:


For the Kitties in Need:

Feline Veterinary Emergency Assistance

Cats in Crisis

Feline Outreach

Adopt a Senior Dog Month, November, Save the Shoes

Adopt a Senior Dog Month, November, Save the Shoes (Photo credit: Beverly & Pack)

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