‘The costs can spiral’: a pet lover’s warning as more than a third of owners rely on credit cards for vet bills

If your pet suddenly needs treatment, could you afford the bill?

New research from Investec suggests many pet owners are struggling with the rising cost of veterinary care, with 36% turning to credit cards to pay for treatment.

While some clear the balance quickly, others are left paying off vet bills for months or even years. Investec’s survey of 1,000 UK pet owners found:

• 13% took between one and three months to repay what they owed
• 6% needed three to six months
• 2% were still paying off the debt between one and two years later

If you can’t clear your credit card balance in full, interest charges can quickly build up, meaning you could end up paying far more than the original cost of treatment.

Pet insurance can help protect you from unexpected bills, but as one pet owner’s experience shows, it doesn’t always provide the safety net people expect.

“Animals are a big thing to us”

When Abi came to Money Wellness, she owed around £13,000 after several difficult years that included leaving an abusive relationship and becoming a single parent to three children.

While some of her debt came from rebuilding her career, vet bills also played a part.

Abi and her children have always loved animals and regularly rescue pets.

“We’re all animal orientated… animals are a big thing to us.”

A rescue cat led to mounting bills

One rescue cat ended up needing extensive dental treatment after being brought back to a healthy weight.

The treatment was expensive and, according to Abi, unsuccessful.

“The vets did an operation on her teeth… but they didn't do the job properly. Half of the teeth were still left in.”

Although the cat was insured, Abi says the insurer didn’t cover the costs she expected it to.

“So it's not always great to have insurance for animals because they don't pay out.”

To cover some of the costs, including X-rays and dental work, Abi turned to buy now, pay later products, adding further pressure to her finances.

The impossible choice facing pet owners

If you’re already struggling financially, a large vet bill can leave you facing impossible decisions.

For many people, pets are part of the family. But when treatment costs run into hundreds or even thousands of pounds, finding the money can be incredibly difficult.

Abi believes pet insurance is often presented as the answer, but when claims are rejected or disputes arise, owners can be left feeling let down.

She would like to see greater transparency and consistency in veterinary pricing.

“I think all vets should have a set amount to charge so they can't charge what they feel like, because even working people can't afford it.”

What you can do if you’re struggling with pet costs

If you’re worried about paying for your pet’s care, there are organisations and services that may be able to help.

You can use pet banks

Pet banks work in a similar way to food banks, providing essentials such as pet food, litter and other supplies to owners who need extra support.

The Blue Cross runs pet food banks across the UK with the aim of ensuring no owner has to choose between feeding themselves and feeding their pet.

You may qualify for charity support

Several charities offer help with veterinary costs and pet care, including:

• Cats Protection – offers means-tested financial help for neutering, spaying and microchipping cats. 
• Dogs Trust – provides subsidised treatment of up to £350 for dogs that need emergency care. 
• PDSA – gives free or subsidised treatment to pet owners who meet certain criteria, including owners that receive means-tested benefits. 

How you can keep vet bills down

While unexpected costs can’t always be avoided, there are steps you can take to reduce the financial impact.

Get the right pet insurance

Pet insurance can start from around £10 a month, although costs vary depending on your pet’s breed, age and health.

Shop around and compare policies carefully to make sure you’re getting the cover you need.

Ask about payment plans

If you’re facing a large bill, ask your vet whether they offer payment plans.

Where possible, look for interest-free options and make sure you understand the terms before signing up.

Talk to your vet

If you’re struggling financially, be open about it.

Your vet may be able to suggest alternative treatments, spread costs over time or point you towards sources of support.

Look for low-cost clinics

Some charities and non-profit organisations offer veterinary services at reduced rates.

Research what’s available in your area and ask whether discounts or assistance schemes are available.

Compare prescription prices

You don’t always have to buy medication directly from your vet.

Prescription costs can vary significantly, so it’s worth comparing prices from reputable UK pet pharmacies.

Do your research

For minor concerns, trusted online resources can help you understand what might be wrong and whether home care could be appropriate.

But, if you’re worried about your pet’s health or symptoms seem serious, always seek professional veterinary advice.

For pet owners like Abi, the emotional and financial costs of caring for an animal can go hand in hand. Her experience is a reminder that while credit cards and finance products can provide short-term relief, they can also leave you dealing with the consequences long after the treatment has ended.