Rat Forum banner
1 - 13 of 13 Posts

·
Registered
Joined
·
143 Posts
Discussion Starter · #1 ·
Hello everyone! I was just curious if anyone currently has or have heard of any sort of pet insurance for veterinary visits, or discounts to any big veterinary companies that are located across the U.S.?

I might have to take my two sweet ratties in for a wellness exam because I have some slight concerns, but every veterinary place I call that accepts small animal care is very, very expensive. By that I mean it would be cheaper for me to bring in my dog or my cat rather than one or both of my rats for a simple check up. So I'm just wondering about payment options through insurances, or something of that sort.

I've also heard of something called "Care Credit", has anyone had that before or is currently using it, and if so is it a good safe option for veterinary payment help? Thank you for all the helpful and nice comments, much appreciated!!
 

·
Banned
Joined
·
6,244 Posts
I'm not going to comment about care credit or such for pets... it's basically a just credit card. But yes, in some areas "exotic" vets charge more than regular vets. My best advise is to shop around and call any animal shelters or rescues and see if they can refer you to someone who might be more reasonable. I found a vet in my area that only charges $56.00 for a rat visit, some are as high as $150.00.

Different vets have different overhead and there are big differences between different parts of the country. In some areas vets actually discount for rats, in other areas the charge top dollar and more.

Best luck.
 

·
Registered
Joined
·
143 Posts
Discussion Starter · #3 ·
Thank you, I appreciate it! I had no idea that Care Credit was like a credit card, so that's definitely out.

My sweet girl Lily passed away yesterday and she was only 4 or 5 months old, so tomorrow morning I'm taking her sister Luna to a vet that I looked in to that seems great and has good pricing options. I just hope she's okay and healthy, or if she's not we can catch it in time.
 

·
Registered
Joined
·
2,054 Posts
Before you count care credit out, it's actually a really great option if you don't have enough money to cover the full price of vet care immediately, but can cover it in payments. I typically get 6 months to a year of zero interest, so if you pay your card of in that period of time, you only pay the original cost and no added cost for interest. If you have established credit, it's worth checking out. Not to mention you can use it for your own medical expenses too. The one thing you might run into trouble with is finding a vet that takes rats AND care credit since there seems to be a lack of both.
 

·
Registered
Joined
·
143 Posts
Discussion Starter · #5 ·
Alright. I don't have any established credit at the moment so I'll most likely hold off on that. In the future though I'll probably look into it more and see what I think of it, and go from there. Thank you :)
 

·
Banned
Joined
·
6,244 Posts
I work for several doctors, some discount their services for people without insurance, and some take care credit but charge full price for their services... I might add that the ones that take care credit are also usually the most expensive doctors in the first place... that's not to say they are bad doctors... it's just that the don't miss a chance to make a buck.

I recently had to see a top specialist who didn't take my insurance, right on the phone his secretary told me he'd see me for $50.00 until they could work it out with my carrier. He spent about an hour with me and was very thorough... and he is top in his field with a big office right in the hospital where he teaches. His office worked it out with my insurance now, so he only costs me the copay... I'm sure he normally gets a couple of hundred dollars or more per visit. Some of the doctors I work for would have mailed me a care credit application and waited for it to be approved before they would see me...

It may not reflect on the person as a doctor, but I think it does say something about the person as a human being...

Don't be too proud to tell a doctor or a vet about your financial situation, some will be happy to help you with a discount, others will give you a credit application.

Best luck.
 

·
Registered
Joined
·
143 Posts
Discussion Starter · #7 ·
I agree! &I'll keep that in mind. Actually when I took Luna to the vet after her sister passed, I had explained to them how I'm young and am currently paying off a house while going to school and all. At the time we hadn't even paid the mortgage bill yet for that month, and were already expecting the vet visit to be pricey. They understood and were very kind, and helpful with finding me different options to help Luna for the most cost effective price. Not to mention they were great with Luna (and loved her), and were very thorough with her to make sure everything was fine and she was completely healthy. I had never even heard of this vet before I took Luna there, and now they're my favorite vet clinic! They helped me out a lot and were so incredibly sweet, I don't have Care Credit or any financial/payment help like that at all either. I was very pleased, to say the least! It's been about a week or two now since I took her there and a few days ago they even sent me a card to let me know how much they loved Luna, and how they hoped she is doing well and getting better, and to once again express their regards about what happened to her sister Lily (along with mentioning to never hesitate to call for any questions), so I'm pretty happy on how it worked out, and since they helped me it didn't cost me as much as I had anticipated. Thank goodness for awesome, understanding people and great facilities! :)
 

·
Registered
Joined
·
918 Posts
If you're able to, and as another suggestion for longer term. You could put aside a little money each month that goes to paying for sudden vet visits.
 

·
Registered
Joined
·
1,390 Posts
That vet sounds awesome.
 

·
Registered
Joined
·
143 Posts
Discussion Starter · #10 · (Edited)
Yeah, that's a good idea to Kelsbels. I'm going to make a little fund for money for unanticipated vet visits once we get financialy back on track a bit more and I have extra money to save up :) And JAnimal, they really are an awesome vet clinic! I'm recommending them to EVERYONE in my area! Great service, and great people! Couldn't have been happier :)
 

·
Registered
Joined
·
2,871 Posts
Vet visits for rats is most often more expensive then dogs or cats.

i have never used care credit but I have heard great things about it. I think it is more used in an emergency situation where you didn't exect something to happen and do not have the money right then to cover vet costs. It does go off your credit.

I have looked into pet insurance, IMO it is fairly expensive. It did not seem worth it to me for rats, as they charge per pet & with a rats short lifespan plus the vet costs for bad situations are not going to be as expensive as it is for a dog like surgery or something. IDK it just didn't seem worth it.

I think a better idea is just to make a savings account for vet care. If you need it, it is there. If not you can use it on future pets.
 

·
Registered
Joined
·
61 Posts
I actually have a Care Credit and it saved my boy a couple of moths ago when I did not have the funds to pay for his tumor removal (sadly his tumor came back). It is just a credit card like everyone else said, but I did find it the cheaper option over pet insurance. Another one I have used before is "We Care" and only some vets offer this service. You pay %30 of the service then make monthly payments, but this doesn't require a credit check and you only need to have a license and debit card. I did this one for my dog when he dislocated his hip. I hadn't heard about Care Credit at the time. I agree with rat daddy about speaking with the vets and explaining your situation. I know it's hard but sometime you have to have faith in humanity, they may surprise you :).
 

·
Registered
Joined
·
143 Posts
Discussion Starter · #13 ·
Yeah, they all sound like good options to have in the back pocket. I'm going to look into to them some more and decide from there :) Thanks everyone!! Much appreciated feedback!
 
1 - 13 of 13 Posts
Top