Puppy Forum and Dog Forums banner

1 - 20 of 36 Posts

·
Banned
Joined
·
53 Posts
Discussion Starter #1 (Edited)
I noticed my puppy Mya limping one day but she still used the leg, this happened before and she got over it so I thought it was just sprained and I waited to see if it got better. After a few days with no improvement I took her to the vet today, turns out her leg is dislocated. If I had brought her in within 24 hours he could've popped the joint back in place without surgery, but since its been a few days apparently this is not the case and surgery is required. My vet says she needs a FHO to put Mya's leg back in place. From this point on I'll be going off on a tangent for my own personal pleasure to bring up something I find disturbing about the vet industry, If you don't care to read then skip the next paragraph:)

My vet does not have the tools required to perform the surgery and referred me to a "specialist". Now this said "specialist" was going to force me to pay a $120 examination fee, I kindly explained to the "specialist" that there was nothing to examine. I know whats wrong, I have the X-ray (My vet was kind enough to loan it to me) I know what needs to be done, you fix it. She then explained to me that they needed to re-examine her and it was "procedure". And this is actually true, a lot of vets do this...most vets do this. I had to call every vet in my area to find one that didn't charge a standard $120 exam fee. I finally found one, they said since I had the x-ray they would charge $25 to reconsult what my vet said. Nice right, well for those of you who don't know what an FHO is (I didn't) they're really quite expensive...in my terms at least. So the FHO cost $1,000+ and they don't have any payment plans...almost no vets offer any sort of payment plan for any situation. Period. This is another reason I left my old vet, when first started limping I went to my vet and asked if it was dislocated how much would it cost to pop it in place. They told me $220, I asked could I do a partial payment and they were REALLY hesitant about doing it. I've known this vet for a while, they know where I work...hell my job brings dogs to their vet when we care for them (I work at a pet resort & spa), and they really didn't want to do the partial payment so I asked for her records and I found a new vet. That get me to the main point of this tangent. The vast majority of the vet industry seems to care more about making money than caring for our pets...I mean they give us free Science Diet, but I won't get started on that.

Anyway this is getting long so I'll make this short, after looking up some info on FHO in general it's kinda freaking me out because what people have said their dogs have had to recover through. And it seems to be a surgery to alleviate pain but I've seen nothing about dislocation. Although the procedure does involve the leg and hips. So basically, how is this going to affect my puppy.
 

·
Registered
Joined
·
361 Posts
I'm going at this from two sides. Side one as a vet tech who works for a vet who does FHOs and other orthopedic procedures. Side two as an owner who's dog had FHO surgery on both hips before she was a year old (severe hip dysplasia and already showing arthritic changes).

As a tech I can tell you why vets are hesitant to do payment plans. It's because of all the people who skip out on them. That includes long time clients, clients you THINK will make good on it because they always have. It also includes clients where you have ties to them. There are also options. There's opening a new credit card and using it for just the surgery, that's basically a payment plan with the credit company. You can check if they accept Care Credit, which has interest free payment plans. You can look for an ASPCA hospital that works on sliding scale. You can also look into the many funds set up for just such a situation. I can say with no hesitation that vets are not out there getting rich, especially when you see the gigantic education loans that they are paying back.

As to FHO surgery itself, it actually isn't that bad of a recovery. With my dog, Ginny, it was a rough three days after each surgery and then improvement from there. The hardest part was dealing with the stitches because they are in an awkward place. What we found worked was putting a pair of men's boxers on her backwards. Her tail stuck through the opening and the boxers covered the sutures.

Basically it's three really rough days and then two long weeks of quiet activity while the sutures are in and then it's slowly building up the muscle again. By the time a month had passed though she was up and playing again with no problem.

Make sure that whatever vet you use, uses good pain control methods. There was a huge difference in the recovery of the first time when she only had her fentanyl patch on for 10 hours before the surgery and the second time when it was closer to 24 hours. Of course, that also might have been because she had a good leg to use after the second surgery whereas after the first she did not.

I can say with all honestly it really wasn't that bad and my pup certainly appreciates the fact that her hips are no longer in constant pain.
 

·
Banned
Joined
·
53 Posts
Discussion Starter #3
If you go into business thinking everybody is going to screw you over then they will. Also if I'm trusting my dog's health to your care the least you can do is trust I'll pay you. I refuse to believe it's simply an issue of vets concerned clients wont pay. There are only so many vets in a town or city and you can cheat em all, well you can but if you do the next time you need a vet you're screwed. As far as I'm concerned the vet industry as a whole values money over pets health. Also that Care Card thing requires credit and thats really just vets passing the ball to another source because that's not a plan set up specifically for vets to use to help people with emergency situations. Its an outside plan that you or your pet can use for medical purposes. It has nothing to do with the vet industry itself or their lack of apparent care for peoples pets.

I might have asked the question wrong. A FHO from what I've looked up is a complete operational procedure and I think there are a lot of things involved in a standard FHO that Mya will not need. So is she getting a FHO or something simalar to it. My vet called it an open bypass the other called it an FHO.
 

·
Registered
Joined
·
20,766 Posts
I've never heard of FHO for a dislocated leg.....an FHO will REMOVE the ball joint of the hip, not put it back into place. Did the vet explain why this was necessary? Maybe the joint was damaged beyond repair? I'd contact a few more vets, just to ask what they normally do for a dislocated hip that wasn't repaired quickly.

A wise thing to ask any vet is: "What would happen if we did nothing?". Sometimes the answer is very interesting. If she's not in pain and is just limping, surgery might be unnecessary. Or, maybe if nothing was done, she'd be completely crippled within a few years. No matter the answer, al options should be considered.
 

·
Banned
Joined
·
53 Posts
Discussion Starter #5
Hmm asking what would happen if I did nothing is an interesting proposal. I didn't ask that but my vets reasoning for requiring surgery was since the leg wasn't rejoined right away the ligement and things have grown and streched so even if they did pop it back in (which means it could be done) that most likely it will slide back out of joint again in the future multiple times so it would be best to perform surgery to set the joint back in place. All I remember about the surgery in particular is that ht says he needed to move the femor so the leg could be set back in place, or something like that.
 

·
Registered
Joined
·
6,415 Posts
Vet school is longer than Med school for people wanting to become MD's. They graduate oweing a huge amount of money. Setting up a vet practice w/all of the equipment/insurance costs a huge amount of money. And there are MANY, MANY people who would not pay a vet bill. Some are well meaning, but because of a job loss, etc, just can't. Others figure that once their dog is better, it's not that big of a deal. And God forbid there are complications from the surgery, or they don't have a good outcome. They will then blame the vet and justify not paying. A vet is NOT a banker. If you need money, get a Credit card. Vets need to pay all of their bills and eat too. Your lack of financial planning is your fault. Your vet is being financially responsible, by requiring payment up front. Depending on your age, you've had "X" amount of years to save up 1000.00+. And apparently you haven't. And now you expect him to trust that you will somehow save up that amount in a few months. Maybe you would, but the odds are on your vet's side.

I'm sorry about your dog, but it really bothers me that people want to blame vets for their own finances. If Vets were in it for the money, they would have become MD's instead.

Check into getting a loan at a bank, getting a Credit card or a line of credit from care credit.
 

·
Banned
Joined
·
53 Posts
Discussion Starter #7 (Edited)
Was waiting for this someone like you nikes :) So vet school is expensive, that was their career choice. So the vet is supposed to blame the client because their training and equipment is expensive? They knew that before they started and if they didn't they knew that before they finished. Isn't the whole reason a person goes through such a long expensive process to help animals at the end. And vets have the ability to receive plenty financial help as A LOT have received donations/scholarships/grants from Hills to start school and throughout their vet career to push their horrible Science Diet dog food on their clients. And yes there are many people who would not pay their bills but there are many more who would. Hmm and by your account everybody should have $1000 in their bank account. Maybe I'm a college student, maybe my home just burnt down, maybe I just had a baby, maybe a family member just died, maybe I was just in a car accident, maybe I have a bad job, maybe just because I don't have 1000$ on hand doesn't mean I wont pay it.

I'm sorry about my dog too, but I'm even sorrier about people like you. Thousands of animals die in shelters and pounds every day because of people like you. People pets get injured and the owner can't afford to go to the vet or simply refuses to go because they think they can't afford it and the pet suffers. I had a friend with a Golden Retriever, the dog got sick and he never took him to the vet because "if something is really wrong with him I don't have the money to pay for it". So time passes and the dog doesn't seem to be doing bad but then he just died one day. Turns out the dog had heart worms, relatively inexpensive to treat but because he was afraid to go to the vet the dog died because of it. No he has not had another dog since. The simple truth is vets become vets to help animals, at least the last time I checked that was the reason. But to not help an animal because the owner can't pay up front is BS. Treating everybody like they're a crook, and when somebody does skip out on a bill you wonder why. That thinking in itself proves the point I've been making, vets are more concerned about making money than the welfare of our pets. I never said they were getting rich, but that doesn't change the fact that money is more important than pets to most vets.

A man comes running into an animal hospital with a dog and says "My dog just got hit by a car, he lost both back legs. Please help" The doctor replies "sure, $5,000." In a panic the man cries "I don't have that much money right now" "No worries" replies the doctor "In 10 mins you can be approved for a care credit card and I can save your dog, do you want to apply?" "YES" screams the man as he fills out the information. As the vet finishes verifying the last of the information the dog lets out an exasperated sigh...then dies from blood loss, at which time the vet says "Aww, sorry about the dog but hey you've been approved for your new care credit card!"

EDIT:
Wait, if the vet cant trust you to pay for services rendered why should a creditor loan you money in the first place. Shifting the bearer of liability is not a solution, it's a way out. And personally it makes vets seem even less trustworthy to me, you don't trust me to pay you so why should I trust you to operate on my dog.
 

·
Registered
Joined
·
6,415 Posts
People can go into jobs to help others and help animals, but they need to be able to pay their bills (and employees as well.). I doubt the employees would like being told "Sorry, I can only pay you 20.00 this week instead of 200.00, because I'm waiting to be paid for the 8 surgeries I did this week".

Most vets do some work at discounted rates or free for rescue groups/non profits.

However where do you suggest they draw the line? I guarantee you that most people bringing dogs in to the vets would rather spend that money elsewhere. I just spent about 1600.00 in 3 weeks on my brother's 15 1/2 yr old dog who was diagnosed w/Cushings. Will that makes things tight for a while? Yes. Did the vet deserve to be paid? Yes. I had to put it on a credit card reserved for emergencies. Vets, Doctors and the like, are not Non Profit orgs. They have bills to pay just like anyone else. I don't know any rich vets. And as much as they love animals, if they did all their work for free/on credit, they would go out of business. Look at all of the foreclosures on homes...if people won't pay their mortagages, where they live, how much of a priority do you think vet bills will be?

And saying that thousands of animals die because of people like me is laughable. I guarantee you that I've rescued more animals so far, than you probably will ever help. I went so far as to spend 9 months feeding a stray every day on the side of the road, at the same time each day (and hiring someone to do it when I went out of town for a week), so I could catch him. He'd been out there for about 2 1/2 yrs according to people in that area. AC had tried to trap him numerous times and couldn't. I've caught other strays, and had them checked out, vaccinated and speutered, then found homes for them. One had extensive tests as she had a bloated abdomen. I had to have her euthanized after paying about 600.00 in tests, when it was determined that she had cancerous tumors around her heart and in her lungs. Tell me I'm at fault for animals dying in shelters, and I'll tell you how it made me feel to hold her while the vet put her down. All four of my dogs were strays/dumped. All are neutered/spayed, vaccinated, and microchipped.

Vets are not passing the buck to use companies like care credit. Vets are not banks/credit companies.

You need to spend less time slamming on vets, and more time figuring out how to use the available resources that are out there so you can provide needed vet care for your pet. Based on your post, you come across as the stereotypical "X" generation person that has a sense of entitlement. Guess what...Everyone works for their money and is entitled to what they EARN... And vets EARN their pay. Do you think that the education loans they get don't have to be paid back???
 

·
Banned
Joined
·
53 Posts
Discussion Starter #9
Aw man its too early for this, I haven't even had my morning toke yet.... You're right, if I were a vet I wouldn't take $20 from a $200 payment. $200 could be a regular vet visit if your pet needs shots. I am not a rescue group, I've worked with plenty but that does nothing to help my dog.

I do not have a credit card for one simple reason. I'm an impulse buyer, I KNOW what will happen if I ever get one. Hypothetically speaking leys say I get a credit card with a $10,00 limit, the day I get that card is the day I'll be at that limit. So everything I buy I buy with cash, if there is something I want I save until I can afford it then buy it and repeat the process. I have no issue getting money or saving it if I choose to. Is that my fault, sure. Could I get a credit card, sure. But I won't, I don't want to be able to use that kind of money unrestricted unless its my money and if I spend my money it ain't hurting nobody but me. And yes vets deserve to get paid BUT you seem to think I'm bashing vets personally. Let me make one thing clear, when I say vets I mean the vet industry. If the health care industry acted like the vet indusrty did A LOT of people would die. My problem is not with vets on a personal level, its with the indusrty as a whole.

Look at it this way many MANY people own pets, some can pay for their helth care and some can't. Some could if vets offered some kind of plan and some couldn't even if they did. People that can't afford pets probably shouldn't own them, but they do and they will continue to do so. in the end who suffers, the animals. Vets know this, shelters know this, hell any animal rescue group knows this. People are going to have pets, period. There needs to be some uniform program to assist people who have the ability to pay for their pets health but not up front. Hell make people apply to get into the program, idc how it gets done but it needs to be done. Simply saying vets cant take the loss isnt doing anything to help abandoned/neglected pets. If the vet industry cant do it alone then they need to seek govt help. The same way hospitals have ways for people to pay over time vets can do the same. And these programs you speak of, I know of none. The only option I was ever offered was the Care credit card and I'm not doing that.

To be honest, what you may or may have not done for or to help dogs is irrelevant because you still dont see the problem. Also you don't know me, I based my judgement of how you feel about the particular situation based on your response. I could talk about how I tried to save a dog that got abbandoned at my job, about how AC was going to put him to sleep because he was aggresive, or about how I got the shit bit out of me trying to help the dog because everybody else thought the dog was crazy and beyond help...they still put him to sleep because my job wouldn't let me go back to the dog after it bit me...then they FORCED me to go to the damn hospital...I do not like the hospital...how you gonna threaten to fire somebody if they dont wanna go to the hospital, so I'm bleeding...on the floor...with blood trails following me, I'm fine. I could talk about the puppy that got shot in the head, do not know why he was shot or who shot him, that we had to take care of, how the dog is now deaf and probably has some neurological disorders now because he leans his head to the side...none of this really matters because even though you may love animals and I'm sure you do, you're letting them die. For every 5 you help 200 die, yea thats a made up number but you understand what I'm saying.

Correct, vets are not banks or creditors. They are people who help animals, yet a lot of animals aren't getting helped because of stupid reasons.

Yes I am this sterotypical gen "X" that you call me and I'm entitled to everything. Hell I shouldn't even have to pay the vet, they should be happy my pet is fine right. Whatever, when did I say vets should work for free? When did I say I wouldn't pay? You're just using vet expenses and credit as an excuse for vets to not offer methods of payment for people unable to pay large sums at once. You didn't even aknowledge the fact that yes, thousands of animals do die for that very reason. All you did was get on the defensive and say "look at me I help animals, see" so yeah I'll be this gen "x" person or whatever but you and people like you are still responsible for thousands of deaths no matter what few you save.
 

·
Registered
Joined
·
482 Posts
The vet's policy of not accepting payments isn't a direct insult to YOU. You seem to be personalizing it... but how can a vet say "sure, I trust you" and then tell someone else they won't take payments? Should they just take payments from everyone, then? I'd bet they'd go out of business in a hurry from lack of funds.

People generally have good intentions, but the truth of the matter is that, for most people, the vet bill comes last on the list.

I disagree with your statement that people like spotted nikes are the reason there are so many animals in shelters. IMO, the REAL reason there are so many animals in shelters is because people put the almighty dollar ahead of their pets. "I won't take my dog to the vet because it might be something expensive?" PLEASE! It is not the VET'S fault that dog died, it is the owner. IMO, that is inexcusable. That owner should've taken the dog to the vet, the vet would'e told him how expensive the treatment will be. THEN he could've decided whether he could afford it or not.

If you can't afford to take your dog to a vet, you can't afford a dog.

On the other hand, I do understand that $1,000.00 is a lot of money, and it does suck that a payment plan isn't available... but you seem to be blind to the reason why. Even if you don't or won't, other people DO stiff the vet and ignore their bills. My vet clinic took payments for years and then finally had to stop doing so, because too many people didn't pay. I think you need to stop concentrating your time/energy into vet bashing and start trying to figure out a way to come up with the $$$ for your dog.

I also understand the compulsive spending problem, because I have the same issue. I DO have credit cards, and have maxed them, so I respect your decision not to have one. What if you got a credit card with a $1,000.00 limit? Charge the surgery, then close the card. You can make payments on the card and not risk using it.

Care Credit is a good option as well. Reason being: it can ONLY be used for vet, medical, dental, and vision issues. I have Care Credit from when I got my cats neutered. One word of caution: once the no interest period was over, my interest rate was ridiculously high.
 

·
Registered
Joined
·
6,415 Posts
OP- Please consider getting a Care Credit credit line. You won't be able to max it out irresponsibly as it is only good for vet/med bills.
 

·
Banned
Joined
·
53 Posts
Discussion Starter #12
Sigh, this is why I hate when people jump in a conversation they dont fully understand. I never said not taking payments was a direct insult to me, I've been talking in general for any pet owner who has encountered the same situation I have. I thought that was highly evident. And no I dont think just anybody should be offered a plan, honestly I dont think you even read my last post.

If the vet bill comes last that means your pet comes last, if I dont pay a vet bill I am no longer welcome at that vet more importantly that vet has or should contact other vets to inform them that I have defaulted on a bill. So when my pet is in net of vet care again no vet will treat her because I've skipped out on one bill already. I'm really tired of you and nike trying to downplay peoples love for their pets. More importantly who said everybody was in a situation where they can't pay their bills? Just because a person cant afford a $1,000 payment you natrually assume that cant pay their bills? Maybe its because they pay their bills that they cant pay that one large sum at once.

I'm glad you disagree because you obviously didn't read what I said. I never said it's the vets fault, saying I wont take the dog to the vet because it's too expensive is just an excuse not to take the dog to the vet. Just like saying we dont offer payment plans because you won't pay us back is just an excuse not to offer plans. Going by your logic credit companies shouldn't be giving out so many credit cards because nobody is paying the bills. I should go out and get one right now just to max it out and drop the bill right. I really don't care to talk to people with such pesimistic thinking.

Well I can't afford to buy a 100,000 house all at once so I guess I should just live in the street huh.

No I will not stop bashing "the vet" because the vet industry needs a reform. If the health care industry was responsible for thousands of people dying it would get changed. Why should our pets be any different, especially with the economy the way it is. Think of it this way, dogs and cats are here because of people. They rely on people for their survival and every day more and more are born and just as many die. This is 100% because of us, this is not just an issue about me and the vet. This is an issue about the vet industry as a whole. I'm not concerned about my dog, I can get $1000 easily enough, you're missing the point. I'm just using what happed with myself as an example.

The vet industry needs to change by themselves or with help from somewhwere. I look at all the animal cop shows on animal planet and you see all the pets in horrible situations. And yea its the owners fault, but a lot of the owners seem like they want to help their pets and would if they could afford it but cant pay the vet bills. You look at this and think well they shouldnt have pets then...and ur right they shouldn't but these people are going to keep getting dogs and cats and your way of thinking is not going to help those animals. I dont care if there has to be some sort of govt assistance program to help people help their pets but there needs to be something. Rather than arguing with me about the true problemyou should be thinking of ways to help the animals. My dog is fine, anyway I never said I couldn't get the money for the bill i just say I couldn't afford it up front.

My point is the vet industry needs to find ways to help more pets, these animals are our responsibility and we're practically leaving them to die. However this is accomplished is irrelevant as long as it happens. If I find it so appauling that I couldn't get a payment plan for a $1,000 vet bill and I can actually get the money, what about people that would find a $500 vet bill hard?
 

·
Registered
Joined
·
482 Posts
Sigh, this is why I hate when people jump in a conversation they dont fully understand.
My apologies. I did not realize you were having a private conversation on a public forum.

Going by your logic credit companies shouldn't be giving out so many credit cards because nobody is paying the bills.
This is not a fair comparison. Credit card companies have the resources/means to do credit checks, put bills into collections, and sue for recovery of unpaid balances. Vet clinics do not.
 

·
Banned
Joined
·
53 Posts
Discussion Starter #14
And now I see why you didn't understand.

I said, as you yourself quoted "Sigh, this is why I hate when people jump in a conversation they dont fully understand."

I said nothing about this being a private conversation, I simply said you didn't understand what was being discussed. I have no problem with people jumping in, thats why I posted. But I do have problems with people acting as if they know whats going on and don't, such as what you just did...twice.

Hmm really? Before you buy a car the dealer checks your credit. Whats the difference, are you telling me care salesmen have acces to resources vetsdo not? Can a vet not opt to give a person a credit check if they wish to have a payment plan? I'm pretty sure they could if they wanted, and I may not have a credit card but that doesn't mean I dont have credit. Even if a persons credit history was blank, if they had good reputation with that vet all it would mean is that they have never officially defaulted on a payment of any kind.

Oh and about those resources credit companies have, If a person doesn't pay their bill then their credit goes down. If they're not paying their bill then they probably don't care, if they dont have a job all they can do is harass them over the phone...thats pretty much the same as the vet. O know people who have owed credit companies for years and have no intentions on paying, those so called resources aren't doing a good job of getting their money.
 

·
Registered
Joined
·
6,415 Posts
And now I see why you didn't understand.

I said, as you yourself quoted "Sigh, this is why I hate when people jump in a conversation they dont fully understand."

I said nothing about this being a private conversation, I simply said you didn't understand what was being discussed. I have no problem with people jumping in, thats why I posted. But I do have problems with people acting as if they know whats going on and don't, such as what you just did...twice.

Hmm really? Before you buy a car the dealer checks your credit. Whats the difference, are you telling me care salesmen have acces to resources vetsdo not? Can a vet not opt to give a person a credit check if they wish to have a payment plan? I'm pretty sure they could if they wanted, and I may not have a credit card but that doesn't mean I dont have credit. Even if a persons credit history was blank, if they had good reputation with that vet all it would mean is that they have never officially defaulted on a payment of any kind.

Oh and about those resources credit companies have, If a person doesn't pay their bill then their credit goes down. If they're not paying their bill then they probably don't care, if they dont have a job all they can do is harass them over the phone...thats pretty much the same as the vet. O know people who have owed credit companies for years and have no intentions on paying, those so called resources aren't doing a good job of getting their money.


Vets are NOT credit companies. That's why there are companies like Care Credit. Vets accept credit cards. They do have payment plan options they accept, like Care Credit/Credit cards.

Credit companies, Care Credit, auto dealers, Mortgage companies, etc all have employees that are trained to evaluate risk and collection depts that handle collections. Vets do not. Credit companies, etc also have to have employees trained in lending laws/regs. Vets do not. Credit company employees are trained to read credit bureaus/evaluate risk. If they turn someone down based on credit, they are required to send a turndown letter, with required elements disclosed, as to what bureau was checked, and how to get a copy of the bureau. The records must then be maintained for a certain number of years. Vets do not have the staff to deal with Fed lending laws and record keeping requirements. Any company that engages in offering credit is subject to audits. Vets do not have the staff to man a records dept to stay in compliance w/lending laws.


Credit companies make money off of interest rates/late fees. Because of their portfolio of "good" loans to "bad" loans, they are able to make a profit. Vets would go out of business if they don't get paid from enough customers.


If someone needs credit to pay for a vet procedure, there are many resources for that...banks, Care Credit, credit cards, credit companies, pawn shops, etc. It is unreasonable to expect a vet to be a banker.
 

·
Registered
Joined
·
482 Posts
Please do not be so quick to assume that I do not understand a simple conversation. What exactly don't I understand? That vets don't offer payment plans? That $1000 is a lot of money to come up with? I certainly understand how Care Credit works... I have a Care Credit card.

I may not agree with you, but I certainly understand the conversation.

Hmm really? Before you buy a car the dealer checks your credit. Whats the difference, are you telling me care salesmen have acces to resources vetsdo not?
The dealer does not check your credit. Car dealers have banks/companies (like GMAC) that they deal with. Those banks/companies check your credit, not the actual dealership.

Let's not get into credit companies/cards. That's a whole different ballpark. They're making enough off of interest rates to cover for the people who do not pay.
 

·
Registered
Joined
·
6,415 Posts
Hmm really? Before you buy a car the dealer checks your credit. Whats the difference, are you telling me care salesmen have acces to resources vetsdo not? Can a vet not opt to give a person a credit check if they wish to have a payment plan?
Yes, Car dealers do have access to resources that vets do not. Car dealers sign up w/the Credit Bureau and pay a monthly fee to have access to a wesite that lets them pull bureaus. In addition to the monthly fee, they also must pay for each bureau pulled. And then keep records for a number of years.

See my other post above for reasons why it is not reasonable to expect vets to become bankers.
 

·
Registered
Joined
·
2,000 Posts
People can go into jobs to help others and help animals, but they need to be able to pay their bills (and employees as well.). I doubt the employees would like being told "Sorry, I can only pay you 20.00 this week instead of 200.00, because I'm waiting to be paid for the 8 surgeries I did this week".

Most vets do some work at discounted rates or free for rescue groups/non profits.

However where do you suggest they draw the line? I guarantee you that most people bringing dogs in to the vets would rather spend that money elsewhere. I just spent about 1600.00 in 3 weeks on my brother's 15 1/2 yr old dog who was diagnosed w/Cushings. Will that makes things tight for a while? Yes. Did the vet deserve to be paid? Yes. I had to put it on a credit card reserved for emergencies. Vets, Doctors and the like, are not Non Profit orgs. They have bills to pay just like anyone else. I don't know any rich vets. And as much as they love animals, if they did all their work for free/on credit, they would go out of business. Look at all of the foreclosures on homes...if people won't pay their mortagages, where they live, how much of a priority do you think vet bills will be?

And saying that thousands of animals die because of people like me is laughable. I guarantee you that I've rescued more animals so far, than you probably will ever help. I went so far as to spend 9 months feeding a stray every day on the side of the road, at the same time each day (and hiring someone to do it when I went out of town for a week), so I could catch him. He'd been out there for about 2 1/2 yrs according to people in that area. AC had tried to trap him numerous times and couldn't. I've caught other strays, and had them checked out, vaccinated and speutered, then found homes for them. One had extensive tests as she had a bloated abdomen. I had to have her euthanized after paying about 600.00 in tests, when it was determined that she had cancerous tumors around her heart and in her lungs. Tell me I'm at fault for animals dying in shelters, and I'll tell you how it made me feel to hold her while the vet put her down. All four of my dogs were strays/dumped. All are neutered/spayed, vaccinated, and microchipped.

Vets are not passing the buck to use companies like care credit. Vets are not banks/credit companies.

You need to spend less time slamming on vets, and more time figuring out how to use the available resources that are out there so you can provide needed vet care for your pet. Based on your post, you come across as the stereotypical "X" generation person that has a sense of entitlement. Guess what...Everyone works for their money and is entitled to what they EARN... And vets EARN their pay. Do you think that the education loans they get don't have to be paid back???
http://www.youtube.com/watch?v=O97_4xoYq8A

For you spotted nikes and others like you. Thank you for caring!
 

·
Banned
Joined
·
53 Posts
Discussion Starter #19
You keep proving time and time again that you do NOT understand what I'm saying. I know vets are not creditors but there are companies that outsource themselves to other compaines for this purpose like companies like "GMAC" whoever that is. Even then both of you keep going back to credit, not everybody with a pet has good credit. So because their credit isn't good they should have no option to get their pet help?

The fact that you two are fighting this so hard is quite disturbing to me, why do you not want more ways for animals to get the care they need? Especially you nikes, you who have supposedly done all these things to help strays. Have you ever thought as to why those strays may have been strays in the first place? Their are only 3 reasons I can think of for an animal to be a stray. It's lost/ran away, neglected, or abandoned. People don't abandon dogs until they can no longer afford them. Not being able to feed them is not an issue because if thats the case they'd simply neglect the animal. I'm willing to bet 9/10 abandonded strays were abandoned because the owner couldn't afford health care. Regardless of whose fault that is, as a pet owner and animal lover you should be happy over the prospect of more ways to reduce the number of abandoned/neglected animals. But all you're doing is going on about the owner should get credit or the owner should have the money and if they don't they shouldn't have the pet. That type of thinking is not helping the many animals that need it.

I'm going to give you situation that I know is common, this situation is purely hypothetical but the people in it are real. I have a cousin that lives in a doublewide trailer with...12 kids i think...well like 5 are over 16 so I cant count them as kids but they're still dependant on the head of household. They have 2 dogs. Lets put them in my place, lets say one of those dogs needs the surgery mine does. There is no way they can afford $1,000 up front, that means they wont be eating for a while. I'm not sure what their credit is like but taking care of 12 kids/teens from a trailer I'm guessing it aint great. And with taking care of that many people saving money means simply maintaing. What are they supposed to do about their dog, should their dog just suffer because they can't afford the bill? There are many people with pets that simply arent in the position to pay expensive vet bills up front and dont have suitable credit so should these pets just suffer? Dogs are on earth because of humans, we domesticated wolves and forever intertwined dogs into our society yet we do very little to see to their care. The current method for dealing with injured animals is not working, if this same system was for people their would be anarchy among the puplic. But I guess since they're just dogs we can just throw em away if one gets sick, hell there are 5 more to take its place anyway right.
 

·
Registered
Joined
·
482 Posts
I DO think it would be great if there was a way to be able to make payments on a vet bill. I also think it would be fantastic if I could just walk through the door and get vet care for free. Heck, why don't I just go to Petco, pick up a bag of dog food, and walk out the door, promising I'll come back and pay them later?

I have terrible credit. I am not rich. Today I faced a situation where my dog potentially had an issue that would be very pricey (thankfully she turned out to be okay). I was already making plans to beg/borrow/seek additional employment to pay for any bills she might incur.

not everybody with a pet has good credit. So because their credit isn't good they should have no option to get their pet help?
If this is the case, why would offering credit at a vet clinic be any different? They either get rejected by the credit card company, or they get rejected by the vet clinic's credit department. (And IME, it's a lot easier to get a credit card than any other type of credit).

I'm sure there are people getting rid of their pets because they can't afford the vet bill. Many of these same people might still get rid of their pets if they were allowed to make payments. The amount is still the same (potentially more, if you add in interest/finance charges). Some people just don't want to pay the bill, period.
 
1 - 20 of 36 Posts
Top