FAQs: The vet cost questions you feel awkward asking

If money and vet care feel like an uncomfortable combination, you've come to the right place. We've compiled a list of common things pet parents want to know in the exam room, but feel nervous asking about. If you're feeling awkward, rest assured that other pet parents are feeling it too. Our PetSmart Charities of Canada–Gallup State of Pet Care Study found that 50% of Canadian pet parents have skipped or declined needed veterinary care, and 67% of them cite cost. Use this guide to help you navigate questions you may be having a hard time asking your veterinarian.

Is it rude to tell the vet I can't afford it?

No, quite the opposite. Sharing your financial situation is actually helpful. Your vet can only build a plan around information they have, and your budget is an essential detail. In our study of practicing veterinarians, 87% said they often or always recommend an alternative treatment plan when care is declined due to cost. However, vets may not offer other options unless pet parents tell them they need one. You may feel awkward about asking, but veterinarians hear this more commonly than you may think, and truly want to help your pet get the care they need.

If you want the words you can ask, read this article for a script and more tips.

What if I can't pay the full amount today?

Ask about a payment plan or financing before treatment starts, so your veterinary team can build a plan with that in mind. Many practices offer in-house payment arrangements or work with third-party financing. Note that if you're offered financing, read the terms and interest rate before you sign. If the total is still out of reach, ask whether treatment can be phased. This allows you to move forward with the essential part of the treatment plan first, with the rest scheduled as you can afford it.

Can I ask for just the most important things on the list?

Yes. Treatment estimates often include everything that would benefit your pet, including diagnostic tests and treatments, which may include non-urgent items. Ask your vet team something like: "Which items on this list does my pet need right now, and is there anything that can safely wait?"
Prioritizing can help families and vets build realistic care plans together.

Is it okay to say no to something my vet recommends?

Yes. Declining a recommendation, or asking to monitor instead of treat, is a legitimate choice as long as you understand if there are any serious risks. Ask "What happens if we wait?" and make the decision with the information. Learn more on this topic with that information in mind. 

Will my vet think I don't love my pet?

No. Our research found that 97% of pet parents consider their pets family, but financial strain says nothing about how much you love yours. Veterinarians often see devoted families struggle with the cost of care, with 96% of vets reporting that clients' finances sometimes or often limit the care they can provide. Asking about cost is something loving pet parents should do to help their pets get the care they need.

What if I'm embarrassed that I waited too long to come in?

Go in anyway. Your veterinarian would rather see your pet late than not at all. If cost caused the delay, let them know so it can influence the plan they'll build with you. You may feel embarrassed, but you're not alone. Our research found that half of pet parents have skipped or declined care, most often because of cost.

What if my regular vet is too expensive for me now?

Ask your vet if they know of a lower-cost clinic they could recommend. You can also search online for nonprofit or community clinics near you. Most of these types of clinics are staffed by licensed veterinarians and many are open to everyone, regardless of income. For a full outline of your options, refer to this article.