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When owners can't afford healthcare for their dog?

40K views 93 replies 47 participants last post by  Hannalore 
#1 ·
What are some options for an owner if they find their Doberman, or any dog for that matter, suddenly in need of expensive vet care and that owner simply does not have the ability to pay.

Hopefully they have family/friends who will loan them the money; they have a credit card with a way to repay that card or deal with it later; they can refi a car; take out a medical loan with the vet, again if they have decent credit; or hopefully they have thought ahead and have health insurance for their animal. But for those folks who honestly cannot afford the cost and have bad credit, what do they do, especially if the emergency care is needed right then?

Maybe in their heart they know there's a serious issue and they don't even go to the vet because they know they'll be faced with several thousand dollars in bills when they struggle to pay their rent.

I don't want to judge owners who probably should have done their research first and found this website and studied all the true costs associated with owning a Doberman. For whatever reason they have this dog and the dog needs three or four thousand dollars in emergency care. Does anyone have thoughts on other options that might be available?
 
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#87 ·
Second part of my post with respect to Doberman healthcare expenses -

Be wise how you spend your Dobie healthcare dollars! Cost associated with routine care can vary wildly from clinic to clinic and you do NOT have to go to the most expensive Vet in town for the 'routine' stuff that most any Vet can handle.

This is what it cost me for the yearly / routine stuff for just one dog:


I 'could' have spent several times that going to the clinic nearest to my home for the same exact services.

Sometimes driving a few extra miles can save you a good bit. :)
 
#88 ·
This is why it's important to compare policies when looking at pet insurance (and, of course, home owners, too). I've had nothing but great experiences with Embrace for my dogs, and have had many, many claims covered promptly. For us, it's been well worth it to have insurance. Obviously, your mileage may vary, depending on the company and policy you select.

It's important to choose a home owner's policy that doesn't discriminate by breed, in my opinion. I also carry a personal liability policy that is very inexpensive.
 
#89 ·
It's important to choose a home owner's policy that doesn't discriminate by breed, in my opinion. I also carry a personal liability policy that is very inexpensive.
Curious who you use for this because after lengthy discussion with my agent she assured me there was no such company that would sell me liability that would cover a Doberman.
 
#92 ·
Just found this and it helped explain some:
 
#93 ·
Since this is off-topic, if you want to continue discussing homeowners insurance, please start a new thread.
 
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