Personal Finance

How Much Does Dog Surgery Cost

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 6 minute read

The unconditional affection and friendship provided by dogs is a priceless gift. Surgery is required if they are wounded or unwell, and this incurs a cost. How Much Does Dog Surgery Cost?

Some people aren’t bothered by the price of dog surgery, but for the bulk of us, these unanticipated costs may quickly throw our finances into a loop. Six various payment options will be discussed in this post, including a look at typical costs for some of the most common canine operations.

Do you know how much it costs to keep a Dog?

As a dog owner, you’ll incur additional costs that go beyond the initial purchase price. There are several expenditures associated with owning a dog, such as food, vaccinations, collars and leashes, and more. Regular heartworm and other illness immunizations are also vital for the health of your dog. Spaying or neutering your pet is a one-time investment for many pet owners.

Sixty-four percent of dog owners spend more than $200 annually on normal pet care, according to a recent FinanceBuzz poll. The costs of owning a dog might rise substantially if your pet is ill or wounded, therefore this is only a rough estimate. Accidents happen, and some illnesses are more frequent in particular breeds than others, as much as we would like it not to. The most frequent operations for dogs, as well as their typical costs, are listed here.

The cost of ACL and CCL reconstruction in dogs

Prices range from $1,000 to $3,000 for a pair of knees on average.
Injury to the ACL or CCL of a canine can dramatically raise medical expenses for owners. If the damage is severe enough, treatment can range from simple (drugs, vitamins, and physical therapy) to quite involved (surgery). Extracapsular repair, tibial plateau leveling osteotomy (TPLO), and triple tibial osteotomy are all common types of ACL and CCL surgery (TTO). A larger overall cost is often associated with TPLO and TTA procedures, which are the most sophisticated.

Cost of Cataract surgery for dogs.

It costs between $2,600 and $4,000. Cataracts are more common in older dogs, although they can occur in younger canines as well. This disease can impair a pet’s vision and shorten their lifespan. Dogs with cataracts may need surgery to remove them. The cost of your pet’s care might go up if he or she has to spend some time in the hospital.

Dog herniated disc surgery cost

Cost: $1,500 – $4,000 on average. The ability to walk and general health of your dog may be compromised if a disc is herniated. While non-surgical options exist, the best option for relieving spinal cord pressure and restoring normal blood flow is frequent surgery. So that the veterinarians may operate on this delicate location, your pet will be sedated.

Dog hip replacement cost

Between $3,500 and $7,000 per hip is the average cost. Canine hip dysplasia is a frequent skeletal problem. Because of their size and weight and joints, larger breeds are more likely to be harmed. A variety of surgical procedures may be utilized to address this issue depending on the age of your pet. When it comes to hip surgery, younger dogs typically have their hip socket repaired, but senior dogs typically have their hips completely replaced. The cost of a total hip replacement operation is often the highest.

Intestinal obstruction surgery for dogs: what should I budget for?

Price range: $7,000 to $15,000. Some dogs will eat anything, even if it’s poisonous to them. Intestinal obstruction can be caused by ingesting pebbles and other foreign objects. In the end, what looked like a wonderful idea to your dog might lead to discomfort, bloating, vomiting, and general malaise. An intestinal obstruction might be fatal if not treated immediately. X-rays, blood tests, and surgery are all methods of clearing the obstruction.

Cost of a dog’s stomach being flipped

Between $1,500 and $7,500 is the average cost. Stomach bloat in dogs can result in a stomach flip when caused by gas, food, or fluids in the dog’s stomach. When food cannot pass from the stomach to the intestines, dogs are in immediate danger of death.

Options of Paying for dog surgery

Pet insurance coverage

Getting pet insurance is a common approach to protect yourself and your dog against astronomical vet fees in the event of an accident or illness. For a monthly fee, these plans cover many of the medical expenditures connected with preventative care, illness and injury. In certain cases, the vet may bill you immediately, while in others, you’ll have to pay the amount before requesting reimbursement.

Pet insurance policies vary widely in terms of coverage, deductibles, and rates, so it’s a good idea to shop around before purchasing. Healthy Paws, Embrace, and the ASPCA are just a few of the top pet insurance providers.

0% APR credit card

A credit card with a 0% APR promotion on purchases may be a good option for pet owners who need a little extra time to pay for their dog’s medical treatment. There are no interest costs if you pay for medical services immediately, then pay it off over time.

When deciding between a purchase promotion and a balance transfer, consider the benefits of earning points on the purchase. Cardholders of the Citi Diamond Preferred Card and the Chase Freedom Flex get access to buy deals that last longer than the industry standard. There is a 0% introductory APR on new purchases for the first 12 months with the Diamond Preferred (then 13.74 percent to 23.74 percent (variable)), while the Chase Freedom Flex offers the same for the first 15 months with the 14.99 percent to 23.74 percent (variable) intro APR rate on new purchases. Check out our list of the top 0% APR credit cards if you’d want to see what other possibilities are out there.

Funds available in the event of an emergency

One of the most common financial planning methods is to have an emergency reserve large enough to cover costs for three to six months. Having these cash on hand in case of unforeseen needs like house and automobile maintenance or veterinary care is a benefit. Instead of going into debt to cover emergency vet fees, you may utilize your money if the worst happens. An online savings account, for example, offers a high interest rate and is a convenient place to save cash in case of an emergency.

Financing for veterinary care

In order to help pet owners who are unable to pay, several veterinarians have teamed up with financial services organizations. The deductible on pet insurance or procedures not covered by insurance are common reasons for dog owners to employ these firms.

The acceptance rates for veterinary finance may be greater than those for other types of loans, but you must still meet the same requirements. Veterinarians and pet owners both like CareCredit as a payment option. Payments of $200 or more qualify for no-interest financing over six to 24 months. For bigger purchases, longer maturities of 24 to 60 months are available with interest rates in the mid-teens.

Personal loan

You may use a personal loan to pay for anything, even veterinary treatment for your pet. Unsecured loans are those that are not tied to any tangible assets, such as your home or car. A personal loan locks you into a certain monthly payment for a predetermined time period. Your loan will be paid off at the end of the period. You may be able to stretch the expense of your dog’s surgery across several years by taking out a personal loan.

This reduces the financial burden of any surgery. See which personal loans we think are the finest if you’re thinking about it.

Set up a payment plan with your vet

A payment plan may be extended to you if you’ve been a loyal customer to your veterinarian. As long as the bill is paid in whole at the end of the month, you’ll be able to set up a payment plan. Payment terms may be shorter than with a loan or 0% APR program because the veterinarian is footing the bill.

This option is not available from all veterinarians, and not all clients are eligible. A payment plan may be available from your veterinarian instead of taking out a loan with the risk of interest.

Is pet insurance worth the money?

There are many dog owners who find the expense of pet insurance to be worthwhile. Pet insurance, for which you pay a monthly premium, can compensate you for both expected and unanticipated costs. Many insurance policies cover the costs of routine checkups and vaccinations, which can add substantially to the overall cost of pet ownership.

Bottom line

The cost of surgery for your dog might make things more difficult if it becomes necessary. With the emotional and financial burdens of illness or injury, you’re already dealing with a lot. If you’re worried about money, there are a number of solutions available to assist pay the costs of your dog’s treatment.

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