As a responsible pet owner, the best way to ensure your pet is taken care of properly is to PLAN AHEAD! You know eventually something is going to happen that requires vet expertise especially with pets who live outdoors, are "in and out" pets, or specific breed-related health concerns. Set aside a few dollars each pay day (or skip the burgers and fries) and, before you know it, you'll have an emergency pet "nest egg."

In Memory of Magic  
Mail: PO Box 282, Cheltenham, MD 20623;
phone 866-230-2164; fax 301-599-1852.
Helps people in financial need to prevent their animals from being euthanized as a result of not having money for vet care.

Red Rover Relief
Mail: PO Box 188890, Sacramento, CA 95818
phone 916-429-2457
Assistance grants & additional resources so pet owners and rescuers can care for animals who need urgent veterinary care (
Also assists victims of domestic violence and their pets (

For NC dogs

Felines only

American Animal Hospital Assn (AAHA)

You must use an accredited AAHA facility to get help and the vet completes the application. Helps those in need to access quality vet care for sick or injured pets.

Care Credit
(For people or animal use) 
Each vet has to agree to participate in this program and must be an AAHA accredited vet. Some accredited vets do NOT appear on the AAHA website: check with your own vet to be sure they participate before applying.

The Pet Fund
phone 916-443-6007
Financial assistance for domestic animals who need urgent vet care. Online application only.

Plan Ahead

Other Options

When the time comes and you need non-routine medical help, you'll be able to afford it or, at the very least, the expenses won't be such a hardship unless, of course, you have unlimited funds (which most of us don't).

It's not only frustrating, but very heart-wrenching when your pet needs medical help and you cannot financially provide it.  Plan ahead and spare your pets pain and suffering or having to be euthanized because of lack of funds! If you have time and the medical issue is not life-threatening, but still needs attention, you can also hold a fundraiser in your community.

Remember: regular visits to your vet often catch serious problems early especially as pets age (around 7-9 years old, both dogs and cats are considered "seniors").

Credit Card

Get an inexpensive (no-fee) Credit Card and use it for pet emergencies and vet visits ONLY. Few vets will let you "pay as you go," so be prepared. Even though the interest rate may be high, using the card will allow you to pay off the debt over time--and can boost your credit rating if you pay ON time! After all, aren't your pets worth it?

Pet Insurance

Talk with your vet--or any vet office or even friends--about what kind of Pet Insurance is available. The younger and healthier your pet is, the less expensive the insurance premiums tend to be. However, even if your pet is elderly or has some health issues, coverage may still be available at a reasonable cost. Also be aware that some breeds are prone to known health conditions (such as large dogs and hip displaysia) and may cost more.

Another option: Go online and search pet insurance companies. Many have websites; but VERIFY their legitimacy before signing on the dotted line! Also, get quotes from as many as you can before deciding (make sure you get quotes based on the SAME information about your pet.  Don't give different information to each company--you want to compare apples to apples to get a clear picture of coverages and an accurate quote). (Note: the VPI website has an insurance "review" feature.)



VPI Pet Insurance

Gypsy Recovers 
After Surgery

FACT:  Pets are not free--they cost money--and sometimes lots of it.  

Something as basic as food can run in the hundreds of dollars even for "cheap," barely nutritional food (more if they eat twice a day or are large pets). In addition to decent food, collars, leashes, toys, fencing, housing, etc., pets will ALWAYS need vet care in some way, shape or form whether as a routine wellness visit, vaccinations, spaying/neutering, a trauma, or a life-threatening emergency. Most owners can handle the routine expenses; but, it's the unforeseen, often catastophic expenses that we're sometimes not as prepared for.

Note: A rabies vaccination is REQUIRED by law in Brunswick County. Click HERE for low-cost clinics.

CHTA offers financial help for spay/neuter and medical issues as our funds allow. Clients must financially qualify and there are limits as to the amount and frequency of help available. If we are unable to help, here are some options to think about.

Help From Us

Cost of
Pet Ownership

ASPCA Pet Insurance