pet care loans

When to Get Emergency Pet Care Loans

Your pet is a member of your family. And although we wish for nothing bad to ever happen to them, they'll need urgent care at some point. Alongside the horrific nature of the event, the cost can be bank-account destroying, causing many fluffball owners to get emergency pet care loans.

In this article, we'll look at the situations justifying a pet care loan and the funding options in this scenario.

When Should You Get Emergency Pet Care Loans?

Emergency pet care loans make sense whenever your dog, cat, or other non-human family member is going through an urgent medical experience.

These moments are often scary, and they can be confusing — is it really an emergency, or can it wait until the vet office opens for appointments? 

We recommend erring on the side of caution and seeking a professional's advice, even if it's just on the phone.

However, the American Veterinary Medical Association has put forward a list of pet emergency signs, so you know when to seek immediate medical attention and funding. The list includes:

  • Severe or nonstop bleeding
  • Severe or persistent diarrhea or vomiting
  • Trauma such as car accidents, falls, open wounds, and broken bones
  • Inability to urinate or defecate
  • Difficulty breathing, nonstop gagging, choking, or continuous coughing
  • Hypothermia (signs are shivering, sluggishness, slow heart rate, dilated pupils, and pale gums)
  • Bloat (i.e., swollen belly, restlessness, panting, and gagging)
  • Seizures
  • Sudden collapse
  • Eye injuries
  • Yellow, pale, or blue gums
  • Birth difficulty (i.e., the labor lasts over 24 hours or the mom struggles for over an hour to deliver the next baby)
  • Animal attacks, including bite wounds
  • Ingestion of toxin or poison
  • Heatstroke (signs are abnormal gum color, heavy breathing, lethargy, and potentially seizures)

If your pet is displaying any of these symptoms, it's time to seek urgent veterinary treatment.

How Much Does Emergency Pet Care Cost?

Unfortunately, we can't tell you exactly how much your emergency pet care will cost. After all, it depends on the pet, the condition's severity, and the clinic.

The diagnosis itself can set you back around $100 to $600. After that, treatment, surgery, and/or rehabilitation can cost you thousands more.

The Cost Of An Emergency Vet Visit For Dogs

For dogs, it can reach triple digits rather rapidly, especially if they need hospitalization or surgery.

The most common canine emergencies and their prices are as follows:

  • Bloat — $1,500 to $7,500
  • Anaphylactic shock — $500 to $1,000
  • Intestinal blockage — $800 to $7,000
  • Seizures — $500 to $5,000
  • Heatstroke — $1,500 to $6,000
  • Poisoning — $200 to $5,000
  • Trauma — $500 to $4,000
  • Stomach problems — $700 to $3,000

emergency pet care loans

The Cost Of An Emergency Vet Visit For Cats

There aren't too many differences between emergency vet costs for cats and dogs, except for weight-based medications and treatments. As you can imagine, these tend to cost less for cats. 

Regardless, some common feline emergencies and their prices are as follows:

  • Trauma — $500 to $4,000
  • Stomach issues — $200 to $2,000
  • Poisoning — $200 to $2,000
  • Anaphylactic shock — $500 to $1,000
  • Urinary tract blockage — $700 to $4,000
  • Intestinal blockage — $800 to $7,000

Types Of Emergency Pet Care Loans

As you now know, urgent vet visits are costly, even for smaller animals. Therefore, many people seek emergency pet care loans to help cover the costs. Luckily, you have a few options. 

1. Use A Personal Loan

You can use personal loans for anything, including emergency pet care. They typically come with lower interest rates than credit cards, so they're often one of the best funding types. 

Usually, they're unsecured. In other words, you don't need to put up any collateral, meaning you won't risk losing an asset should you default.

2. Try ScratchPay

This new pay-over-time service lets you fund emergency vet visits over several months. The term lengths range from five months to two years, and they only run soft credit checks, ensuring your score isn't affected.

3. Use A Financial Assistance Program From A Nonprofit

Loads of nonprofit organizations provide medical care funding for those who're suffering financial hardship. Some are dedicated to specific breeds, while others cater to all. 

General programs include The Pet Fund, Best Friends Animal Society, and RedRover.

4. Online Title Loans

Finally, you can borrow up to $15,000 with an online title loan, depending on the value of your vehicle. It takes just five minutes to start the process online, and we'll get back to you almost immediately to guide you through the process. 

All you need is a vehicle (car, truck, or van), a driver's license, and a lien-free title to gain approval. And no, your credit score doesn't matter! We use other factors to establish your affordability.

Submit Your Online Title Loans Inquiry Today!

Whether big or small, pet care costs can get out of hand quickly. Get a title loan with us today to help fund your furry friend’s bills. Fill in the online inquiry form to get started. 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.