If you’ve ever had to take a pet to the emergency vet’s office, the bill was likely a lot higher than any you’ve paid at your regular vet’s office. Is the emergency vet actually more expensive than visiting a regular vet?
Yes. An emergency vet is more expensive than the regular vet because of specialized equipment and care, as well as its 24-hour availability.
Continue reading for more information on why an emergency veterinarian is more expensive than a regular vet, as well as tips to prepare in case you need to visit one.
Why is the emergency vet so expensive?
There are a few reasons emergency vets are more expensive than visiting the regular vet. To start, many ER vets operate 24 hours a day. That means more shifts and more employees to account for, all of whom efficiently and compassionately take care of stressed, injured, and dying animals daily.
In addition, emergency veterinarian offices must maintain all sorts of expensive diagnostic
equipment and medication that your regular vet likely doesn’t have on hand. The ER vet has to be prepared for any situation at any time. Your regular vet is better equipped for day-to-day visits and will likely refer you to a larger animal hospital (like a teaching vet hospital) for any specialized care.
When my Pom Fitz developed weakness in his hindquarters, facial paralysis and excessive drooling, a visit to my local vet was only the first step. He spent a day with them and came home with a referral to a specialist/emergency vet facility near me. Fitz spent nearly a week there, some of that time in a special oxygen chamber under 24 hour care. My regular vet could not have provided the equipment, testing or staffing required to keep my boy alive while we searched for an answer.
Also keep in mind that more often than not, emergency situations require significant resources. If your dog is hit by a car, for instance, they may need emergency surgery, several days of observation, and the accompanying medication. If your dog is repeatedly vomiting, many tests may need to be performed to figure out the best treatment plan.
Is the vet taking advantage of emergencies?
Just like when people experience emergencies, charges at the emergency vet can add up quickly. The sticker shock of the emergency vet, when compared to regular vet visits, can be jaw-dropping.
The enormous gap between routine care and emergency costs doesn’t indicate price gouging. Rather, it’s a reflection of that specialized, time-sensitive treatment. Combine that with our own comparison to the kinds of vet bills we’re more accustomed to seeing — immunizations, wellness visits, routine lab work, etc. — and the ER bills appear to be significantly higher. Instead of spreading the expense over time you’re suddenly faced with a massive bill.
How to prepare for an emergency vet visit
Taking a few minutes to prepare in case of an emergency with your pet will save you precious time as well as money if the situation should arise.
While the list isn’t exhaustive, take a look at this site to familiarize yourself with what may constitute an emergency with your pet. If in doubt, call the vet.
Also, make decisions in advance of an emergency how much care you can afford and are willing to give to each of your pets. Establishing limits ahead of time – when emotions aren’t running high – provides a good foundation for care decisions. I keep a log of these decisions in a circa planner as a quick reference, knowing I might decide in the moment to go above and beyond but grateful for a logical starting point.
Locate your nearest emergency vet
Talk with your regular veterinarian about the local emergency vet hospitals to determine which may be the best for you. Map out your route ahead of time.
Don’t forget to look up nearby emergency vets if you’re traveling with your pet! Save yourself the stress of searching for an emergency vet in an unfamiliar area while keeping a sick or injured pet comfortable.
Save their number in your phone
You won’t want to waste time Googling the ER vet’s phone number when you need them most. Call before arriving to make certain they have room to treat your pet. Like a human emergency room, the emergency vet has to prioritize the sickest or most severely injured patients and may not be able to treat your pet quickly.
Invest in pet insurance
Like health insurance for yourself, pet insurance can provide peace of mind for a monthly fee. Generally, pet insurance works similarly to human health insurance: there’s a variety of policies and companies to choose from, with reimbursements available after a pet owner meets their deductible. Take a look at this site to determine if pet insurance is a good choice for you and how to choose between providers.
It’s recommended you buy pet insurance when your pet is young. Currently, no pet insurance company will cover a pre-existing condition, and young dogs are more likely to require emergency care due to accidents including broken bones or poisoning/blockages from eating things they shouldn’t.
Establish an emergency fund
According to this report from 2018, only 39% of Americans have the money to cover a $1,000 emergency. Earmarking money specifically for your pet can relieve some burdens during a stressful time. Even if your pet is insured, an emergency fund can help bridge the gap between paying for the vet’s services and the insurance reimbursement. If you can, save enough to cover twice the deductible of your pet’s coverage.
Know your credit options
A line of credit or a loan may be the best way for you to pay for a pet’s emergency bills. One financing option is CareCredit, a credit card that many vet offices accept. If you’re eligible, you may want to consider taking out the line of credit before you need it.
Another option is Scratchpay, which provides a payment plan with a little more flexibility than a traditional credit card. Check with your vet to see if they accept Scratchpay.
If you have a freeze on your credit with any of the big 3 agencies (Experian, Equifax or TransUnion) make sure you have the freeze temporarily lifted on all sites before applying for CareCredit or Scratchpay.
Having pets means that a run to the emergency vet is always a possibility. With some considered planning and research ahead of time, you can position yourself to make the best, most-informed choices for your pet in case of an emergency.