Pet ownership has become increasingly expensive, with the average American spending over $4,272 annually on routine care for a single cat or dog. This financial strain has led many pet owners to consider credit cards or savings depletion to cover veterinary bills, with 38% of respondents indicating they would use credit cards for unaffordable vet expenses. To mitigate these costs, pet owners can explore several options. Pet insurance can help cover new illnesses or accidents, with average monthly premiums around $62 for dogs and $32 for cats. Additionally, many communities offer low-cost or free veterinary clinics, often run by humane societies or veterinary schools, which provide essential services at reduced rates. Pet owners should also inquire about payment plans with their vets or consider financing services like CareCredit, which offer low- or no-interest options. Telehealth services are another affordable alternative, allowing for virtual consultations that can address minor health concerns. Nonprofit organizations also exist to assist pet owners facing financial hardship, providing grants or low-cost financing for veterinary care. By knowing these options ahead of time, pet owners can ensure their pets receive necessary care without overwhelming financial strain.