Our office, along with most in the profession, require payment at the time of service. If you find yourself unable to afford care for your pet, there are some resources available to help pay for the cost of veterinary care.
Click the purple and blue links below to find out more about each organization, get contact information and apply for assistance.
- Care Credit - A popular option for financing pet care, Care Credit is a healthcare credit card designed to assist you, your family and your pets with healthcare needs. This card does require a credit check. Once you are accepted, you can use the card over and over again for a variety of health and pet care needs.If your bill is over $200, you can get no-interest terms as long as you pay the monthly minimum and pay it off within the time established between you and your veterinary office. The link in the title will take you to a site where you can apply in the privacy of your own home, or we can apply for you at our hospital.
Scratchpay - You can apply for a Scratchpay loan right on your phone. Scratchpay offers simple, transparent payment plans and the clinic you are working with is paid right away. Scratchpay is not a credit card and your credit score will not be affected when you apply for Scratchpay.
Need-based Grants (Must be able to show financial need)
- Friends & Vets Helping Pets - FVHP was founded to assist families with financial limitations to pay for extraordinary veterinary expenses necessary to save a pet’s life.
- Friends Rescued Animal Network - (FRAN) Provides foster homes, grants in the form of financial support for emergency and specialty care, and veterinary assistance to area rescues including training and education.
- Ginger's Legacy - Funded by the Cartwright Foundation, they offer financial assistance for emergency veterinary services of low- or fixed-income pet owners. Pets must be spayed/neutered and owner must be able to provide proof of responsible pet ownership. Apply online.
- Harley's Hope Foundation - Financial assistance for emergency veterinary services, behavioral conditions and emergency foster care of low- or fixed-income pet owners. Pets must be spayed/neutered, and owner must be able to provide proof of responsible pet ownership. Apply online.
Healing Pets Foundation - Operated by Southern Colorado Veterinary Internal Medicine and providing financial assistance to qualifying clients facing unexpected specialty veterinary care costs (twenty percent of pet expenses up to a cumulative lifetime amount of $800.00). Apply online for care with a Board-Certified Veterinary Specialist.
- Clinical Trials - Please click here for up-to-date clinical trials that are available.
- Low-income Veterinary Care Assistance - We encourage those in need of financial assistance to discuss their situation with their VTH veterinarian and VTH Client Services to pursue VTH-based financial assistance. Below is a list of low-cost veterinary care providers if care at the VTH is not a possibility.
- Friends of Nan Bush and Palomino Fund - Limited funds are available for cancer treatments to assist clients in need, who have exhausted all other financial assistance alternatives. Minimum qualifications include being a current patient of the VTH and having paid for at least your initial visit. Discuss your needs with your VTH veterinarian, who will refer you to Client Services for an application.
- Pets Forever - a CSU sponsored non-profit program designed to help low-income elderly and disabled Larimer County residents maintain ownership of their pets for as long as possible, and to improve the health and well-being of these pets and owners by providing needed help and resources.
Pet Insurance for Your Dog or Cat
There are many pet insurance options available, each with their own pricing structure and covered expenses. Here are basic guidelines from the American Veterinary Medical Association to help you choose the best plan for you:
The AVMA recognizes that viable pet health insurance programs may be an important approach for the veterinary profession to continue to provide high quality veterinary services.
Pet health insurance policies should:
- Require a veterinarian-client-patient relationship;
- Allow policy holders to choose their own veterinarians, including specialists and emergency and critical care facilities;
- Never interfere with the veterinarian's fee structures;
- Be approved by the state insurance regulatory agency where the policy is sold;
- Be consistent with the Principles of Veterinary Medical Ethics and the pet health insurance industry ethical standards;
- Use licensed veterinarians to assist in claims adjudication;
- Be clear about policy limits, pricing structures, and optional coverage (eg, coverage for annual wellness visits) that might be available to policy holders;
- Be transparent about how the terms and conditions of plans will impact coverage and costs, including the financial obligations of policy holders such as co-pays, deductibles, and exclusions;
- Communicate clearly about the fee reimbursement process (ie, how reimbursements are determined and how quickly reimbursements are provided to policy holders).
To get you started, here are some options to research. Pikes Peak Vet does not endorse or specifically recommend any of these plans.
Finally, we recommend you get your puppy or kitten on a PPVC wellness plan to take care of their immediate preventative needs and then sign them up for insurance as a safety for everything from breaking a leg to a life-threatening illness. This way, you pay for care over their lifetimes rather than in one shocking incident.