How to Save on Your Pet's Vet Bills
According to recent survey of pet owners, almost 60% admitted that they visit their vet more often then their family physician. We love our pets, and we accept the vet bills as a necessary evil to take care of all our family members. Human healthcare is still more costly, however forking out £1,000 a year at the doggie doctor (which an estimated 5% of pet owners do) in addition to food and other necessities, does impact the wallet.
The greatest expense to a Veterinary clinic are there overhead cost, which eat up between 70 and 80 percent of your vet's revenue. The price of location, the staff and the equipment contributes to that overhead. Take a look at a good vet a little outside of the downtown core and you'll notice a price difference.
Medical emergencies can quickly cost thousands of pounds. Having invested in pet insurance will help with those costs. Monthly payments can range from about £20 to £35 depending on the animal. Often insured animals get faster treatment as the vet does not have get approval for every test and treatment (cost wise) but can proceed to adhere to the animal's needs right away.
The downside of pet insurance, similar to the human counterparts, is that pre-existing conditions aren't covered. Mostly basic plans do not cover routine check ups either and the older your pet, the higher the deductible. If you aren't convinced that pet insurance will give you your money's worth, set up a bank account for your pet. Instead of paying the insurance company a premium, pay it into the savings account. If your dog or cat enjoys a healthy life, you'll have a nice start to whatever next investment you were dreaming about.
My mother-in-law quickly figured out that she could buy the glucose tables for her labrador retriever cheaper from a regular pharmacy than from the vet. If you decide to take this route with medication, discuss the prescription with your pharmacist to ensure you match what your vet described.
It is important to take your vet to the annual check up. Often you can't tell whether your animal is sick before the problem becomes severe at which point, it becomes harder to treat. Another preventative measure is feeding your pet good quality food. Our golden retriever had digestive problems, and the vet suggested a change in food. We pay more than we did before, however she is doing much better, and apart from the worry and trips to see Dr. Dawson, we have less clean up to do too.
More than 80% of dogs and cats have gum disease by the age of 4, which can result in surgery for kidney, liver and even heart disease. A bit of daily grooming and tooth brushing should be standard routine and will help you discover abnormalities early.
Having a good relationship with your vet is important. You can ask for multiple pet discounts and if you are a loyal and good customer, discounts or payment plans can be negotiated in times of a higher financial strain.