Study shows financial barriers often prevent pets from receiving treatment
A recent national study examining veterinary care in the United States reveals that financial concerns often prevent pet owners from accepting recommended treatments for their animals. The research highlights the growing challenge of affordability in veterinary medicine and the emotional impact it creates for both families and veterinary professionals.
According to the study, 94% of veterinarians say financial limitations sometimes or often prevent them from providing the care they recommend. Cost was identified as the most common reason pet owners decline treatment, occurring more than twice as often as any other factor.
The research also uncovered a difference in perception between veterinarians and pet owners regarding financial discussions. Many veterinarians report that they frequently recommend alternative treatment options when cost becomes a barrier. However, many pet owners say they were not offered more affordable choices when they declined care.
Payment plans and financing options are another area where the two groups view the situation differently. While some veterinarians report offering these options regularly, fewer pet owners recall being offered financial support programs.
“After listening to pet parents, it was essential that we also hear directly from veterinarians. They, too, experience the emotional toll when financial barriers stand between pets and recommended care,” said Aimee Gilbreath, president of PetSmart Charities.
“These findings highlight the need for upfront, more compassionate conversations about care between veterinarians and the families they serve. When we work together to address these challenges; more pets can access the veterinary care that keeps them healthy and at home with the families who love them,” said Gilbreath.
Veterinarians also report that their professional education often provides limited training on how to discuss financial challenges with clients. Nearly half say their education did not prepare them to manage conversations about treatment costs, while others report only minimal preparation.
Financial barriers also create emotional strain. Many veterinarians say it is difficult to watch pet owners struggle to afford care. Some report that pets are sometimes euthanized when families cannot afford treatment, which veterinarians describe as one of the most difficult parts of their work.
The study also examined the “Spectrum of Care” approach, which encourages veterinarians to adjust treatment recommendations based on the needs of the pet, the owner’s situation, and the clinic’s resources. Although most veterinarians are familiar with this concept, only about half of them say they use it frequently in practice.
“Veterinarians enter this field because they care deeply about the welfare of animals,” said Dr. Robyn Jaynes, director of veterinary affairs at PetSmart Charities. “They too are impacted by the rising costs of delivering care for their businesses and their own mental wellness. We’re grateful to those who contributed to this study. Their insights and engagement are critical in evolving affordable solutions that meet the needs of pet parents and for veterinarians and their teams.”
Researchers say improving communication about treatment options, costs, and alternative care strategies could help reduce financial barriers and allow more pets to receive the care they need. Expanding education and collaboration across the veterinary field may also help create more accessible solutions for pet owners.
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