Navigating Pet Care Medical Costs

Aug 25, 2023Blog Posting

A dog being examined by a doctor, Navigating Pet Care Medical Costs

A Guide to Financial Preparedness and Preventative Care

At Hammond Veterinary Hospital in Marlow, OK, we understand your pets’ special place in your heart. Ensuring their well-being involves proactive planning for unexpected health emergencies. This article delves into the critical aspects of financial readiness for your beloved pets. We will explore the various payment options to help you navigate pet care medical costs. We will also cover the significance of preventative care to support your pet’s health and minimize emergencies.

Financial Preparedness to Manage Pet Care Medical Costs

Emergencies often strike when least expected, and our pets are no exception. Sudden accidents or health crises can occur at any time. According to, emergency veterinary visits can start from $200 to $1,500, depending on the nature of the emergency. Embracing the potential costs of pet emergencies underscores the need for financial preparedness.

You can take a proactive approach to your pet’s health by having a financial strategy in place. This approach ensures your pet receives the necessary care without jeopardizing your financial stability. And at Hammond, we’re here to help you find the best financial strategy.

Pet Insurance for Pet Care Medical Costs

Pet insurance is a solution that many pet owners contemplate to provide comprehensive coverage for their pets’ health needs. Pet insurance can protect you from bearing high medical expenses when your pet faces injury or illness.

While treating a minor issue like ear infections might not strain your finances, addressing severe health problems could lead to significant expenses. Pet insurance is one way to plan for such situations. Here are some pros and cons of pet insurance:


  1. Comprehensive Coverage: Pet insurance substantially offsets the costs of veterinary services, encompassing treatments, diagnostics, medications, and surgeries.
  2. Tailored Plans: You can customize your pet policy to include the treatments and services we recommend specifically for your pet’s needs.
  3. Immediate Care Support: Pet insurance facilitates prompt access to emergency care without the burden of financial constraints, enabling us to provide timely care at Hammond Veterinary Hospital.


  1. Cost Evaluation: You must weigh the premium costs against your pet’s anticipated medical needs. Ensure the benefits align with your pet’s health history and potential treatments.
  2. Limitations and Exclusions: Thoroughly understand the details of your pet insurance policy to be aware of any limitations or exclusions that could impact your pet’s care.
  3. Claims Procedure: Familiarize yourself with the claims process to expedite reimbursement for eligible services received at Hammond Veterinary Hospital.
  4. Deductible Expenses: A deductible is the initial amount you must cover before insurance coverage takes effect. Deductibles can range from $0 to $1,000.

Establishing an Emergency Fund for Pet Care Medical Costs

An emergency fund is like having a safety net to fall back on in case of sudden, unexpected medical emergencies regarding your pet. With an emergency fund, you can act promptly when your pet’s health is at stake.  Your focus remains solely on your pet’s recovery. You won’t need to cope with the added stress of sudden medical expenses.

Our team at Hammond Veterinary Hospital can assist you in determining an appropriate emergency fund amount based on your pet’s health history, breed, and potential medical needs.

Hammond’s Pet Health Savings Plan

Have you considered keeping a pet emergency fund but are afraid you might spend it? At Hammond, we offer a prepayment program. Think of it as a Pet Health Savings plan – We accept prepayments, and when you have paid for the procedure, we can schedule your pet. It’s as simple as that. And you can receive a 10 – 15% discount when enrolled in the program. Our goal is to provide the best preventative medical care we can in the simplest way possible and allow you to provide your pet with the medical care they need.


CareCredit is another option when unexpected illness strikes a pet. We understand this and thus accept payment through the CareCredit program. It takes just 5 minutes to complete an application and will allow you to break down the cost into six monthly installments. You can apply yourself online at


Get care for your pet now, and pay later. Scratchpay provides pet parents with simple, transparent payment plans.

Prioritizing Preventative Care Appointments

In addition to the above financial solutions, maintaining regular preventative care appointments is a crucial aspect of pet health preparedness. Scheduling routine check-ups, vaccinations, dental cleanings, and other preventive measures significantly reduces the risk of unexpected health crises. These appointments promote your pet’s well-being, identify potential issues early on, and decrease the likelihood of emergencies.

Creating Your Comprehensive Financial Plan with Hammond Veterinary Hospital

  1. Consult with our veterinary experts about your pet’s unique health requirements and projected medical costs associated with our treatments and services.
  2. Explore pet insurance options and engage with our team to align policies with Hammond Veterinary Hospital’s services, ensuring an informed decision.
  3. Talk with our experts about the emergency fund amount you need based on your pet’s health history and potential medical needs.
  4. Work alongside our team to establish a preventative care schedule that safeguards your pet’s well-being and minimizes the risk of unexpected health incidents.
  5. Regularly review your pet’s health and financial plan with Hammond Veterinary Hospital to accommodate evolving needs and circumstances.

Final Words

By understanding the importance of financial preparedness and keeping your pet’s preventative care appointments, you can give the best care for your cherished companion. We know veterinary care can sometimes be unexpected for anyone. So, please don’t be shy to let us know of any financial limitations so we can work with you. Please contact us now so we can help you ensure your pet gets the best of care and lives a long, happy life!

Your Caring Team,

Hammond Veterinary Hospital