Cut Those Doggone Vet Bills

Dog owners spent an average of $785 on vet bills last year, while cat owners spent $516, according to the American Pet Products Manufacturers Association. (By contrast, on toys and treats, dog owners spent $115; cat owners $72. For more on cutting your pet supply costs see our column Hot Pet Supply Deals.)

Happily, there are plenty of ways to spend less on your veterinary bill without compromising the level of care your pet receives.

Find a vet you can count on
Sounds like common sense, but many people don't think about locating a vet until their pet becomes ill, says Dr. Daniel S. Aja, president of the American Animal Hospital Association. You can't expect any breaks from a vet who doesn't know you or your pet — and you may be subjected to an emergency care rate even in daytime hours.

The American Veterinary Medical Association estimates that only 10% of consumers choose their veterinarian by referral, but that's really the right way to go, advises Aja.

Ask about discounts
According to Consumer Reports, more than 60% of vets will discount services if you bring in multiple animals in one visit, while 50% give discounts if you (not your pet) are a senior citizen. Many vets will offer a price cut if your new pet is a rescued stray. For a new puppy or kitten, your vet may offer discount "packages" of all the services you'll need, says Nancy Peterson, an issues specialist with the Humane Society of the United States.

Even if your vet doesn't offer standard discounts, it's a good idea to talk about your budget limits so he or she can offer alternatives and ensure your money is well spent, says Peterson.

Schedule regular exams
Routine checkups are an important part of regular care, says Aja. A lot can change in that time — an annual exam for an animal is like an exam every seven years for a human. Plus, animals are very good at hiding symptoms. "If you can catch something early or prevent it, that's your best cost savings ever," he says. The longer you wait for medical care, the more expensive treatment is likely to be. Adult animals (ages 1 to 5), should have an annual exam, while senior animals (6 and older) should be examined twice a year.