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Advice from your favorite pet sitter!

Comparing Payment Options for Vet Care: What Works Best?

4/29/2025

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Tuxedo Cat laying down with money in front of her
Lilly has saved up her pennies for her next vet appointment
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Understanding Vet Expenses
We all love our pets and want the best for them, and it can also come with its own challenges, especially when it comes to vet expenses. Many pet parents often find themselves worrying about unexpected costs, like surgeries or emergencies that can arise without warning. These situations can be stressful, both emotionally and financially. It's not uncommon for pet parents to feel anxious about how they'll manage to pay for these necessary treatments while wanting the very best for their pet. This concern is not just about the money but also about ensuring pets receive the care they deserve. Understanding the different ways to pay for vet care and how to save for these expenses can ease some of these worries and help pet parents provide the best possible care for their beloved pets.

Common Payment Options for Vet Care
One of the first steps in managing vet expenses is understanding the various payment options available. Many pet parents might feel overwhelmed by the idea of large bills, but knowing the choices can provide peace of mind. 

One common option is using a credit card, which allows for immediate payment of vet bills. However, it's crucial to be mindful of interest rates that can add up over time. Another option is setting up a savings account specifically for pet expenses (our recommendation is to find a high yield saving account, this will help you build your savings faster). By regularly setting aside a small amount, pet parents can gradually build a fund that can help cover unexpected costs. 

Some pet parents prefer using CareCredit, a healthcare credit card that offers special financing options for vet expenses. Typically you get 6 months interest free financing and then the interest rate is quite high after this time. So do the best you can to pay off the bulk of the bill in 6 months. Each of these options has its own benefits and considerations, and choosing the right one depends on your circumstances and financial comfort.

Pet Insurance: A Safety Net for Unexpected Costs
Pet insurance is becoming an increasingly popular choice for many pet parents. It acts as a safety net, helping to cover costs for unexpected vet visits, surgeries, and emergencies. For those worried about their pets' well-being and potential high costs, pet insurance can provide significant relief. 

Different insurance plans offer various levels of coverage, from basic accident-only plans to comprehensive packages that include wellness checks and routine care. It's important for pet parents to carefully review the terms of each policy to ensure it meets their needs and budget. 

While monthly premiums are an additional expense, many find that the peace of mind and financial protection offered by pet insurance outweighs the cost. Having insurance means that pet parents can focus on their pets' health without the added stress of financial strain, making it a valuable tool for those who want to ensure their pets receive the best care possible. 

It’s best to sign up your pet while they’re young. Coverage is lowest and coverage is typically highest. But we do know some insurance providers will insure older pets as well. We were able to get basic accident-only coverage for Chester & Lilly, who are considered “seniors”.

The True Cost of Surgeries and Emergencies
Understanding the potential costs of surgeries and emergencies is crucial for pet parents who want to be prepared. Vet bills can vary widely depending on the type of procedure and the specific needs of the pet. For instance, a simple procedure like teeth cleaning might cost a few hundred dollars (if you’re lucky), while more complex surgeries such as hip dysplasia treatment could range into the several thousands. 

Emergency vet visits can also be expensive, often requiring payment upfront. Knowing these potential costs can help pet parents plan accordingly, whether through savings, credit options, or insurance. It's not just about the financial aspect, but also about ensuring that pets receive timely and necessary treatment without delay. Being informed about these costs empowers pet parents to make decisions that prioritize their pets' health and happiness, while reducing the anxiety often associated with vet visits and unexpected medical needs.

Making the Best Choice for Your Pet's Care
Navigating vet expenses can be challenging, but understanding the options available can make a significant difference. Whether through credit cards, savings accounts, or pet insurance, there are ways to manage these costs effectively. It's important for pet parents to assess their financial situation and choose the option that best fits their needs and their pets' needs. 
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By being proactive and informed, pet parents can ensure they are providing the best care for their beloved companions without the added stress of financial uncertainty. Jenn's Pet TLC understands the importance of peace of mind when it comes to caring for pets and is here to support pet parents in making informed decisions about their pets' health and well-being.

Are you feeling stressed and overwhelmed about your pets daily need for care? Whether it's taking the dog for a walk while you're busy at the office or making sure your kitty has enrichment time while you shuffle the kids from soccer practice to band practice, we're here to be part of your support team. Book pet care with us now and take one more stressor off your place
BOOK NOW!!

Yellow lab getting pets from his pet sitter
Simon getting cuddles from Uncle Ryan
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Best veterinarians in Santa Clara County

4/1/2025

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Choosing the best veterinarian in San Jose and Santa Clara County can be a tough decision. We want the best for our furry family members, and their health care is no different. We want a veterinarian who is kind, caring, compassionate and will listen to us. One that sees our pet as an individual instead of just another appointment in their book. So we asked our followers who their favorite veterinarian is and why, and we are sharing the results with you!

Did your veterinarian make the list?

Jenn & Ryan’s personal favorite:
The Whole Pet Vet
325 Saratoga-Los Gatos Rd, Los Gatos, CA 95030
    We love The Whole Pet Vet because they are open to many options (holistic and integrative) in regards to pet care. We sought out TWPV after our previous vet (who will remain anonymous) nearly gave up on treating Lilly for her digestive issues. We wanted a more holistic option and that is what TWPV was willing to offer us. They are kind, Fear Free certified (like Jenn’s Pet TLC) and we love how they strive to provide the least stressful environment for our cats. 

Our followers recommendations:
Adobe South Bay (Los Gatos/Almaden & Blossom Hill)
15965 Los Gatos Blvd, Los Gatos, CA 95032
    “All the veterinarians there are well educated, they take their time to explain everything to you and truly care for the well being of animals.”

Dr Wong VCA Orchard Plaza Animal Hospital
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5841 Cottle Rd, San Jose, CA 95123
    “So caring and takes time to explain everything. She asks lots of good questions about our cats also.”

Los Gatos Dog & Cat Hospital
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17480 Shelburne Way, Los Gatos, CA 95030
    “Great staff and always squeeze me in if my cats need to come in. I don’t think they are taking new clients at this time though.”

Live Oak Veterinary Hospital
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16025 Vineyard Blvd, Morgan Hill, CA 95037
    “Jeannie Hagarty Arcay was my large animal vet through [the former] Tri-County Veterinary care for many years, and then she and a partnering vet opened Live Oak in Morgan Hill specializing in smaller animals. She is amazing, great communication and compassionate care! One of my pups has severe allergies and she goes above and beyond to ensure he is comfortable, which brings peace of mind. My dogs have seen other vets at Live Oak and they too have been wonderful.”

Evergreen Veterinary Clinic
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1611 E Capitol Expy Ste 205, San Jose, CA 95121
    “The veterinarians at this clinic have always treated my pets with the [utmost] concern. I have taken my pets to this clinic for decades.”

Pinnacle Animal Hospital

4724 Meridian Ave, San Jose, CA 95118
     "Tory sees Dr. Linda Watson at Pinnacle. She's great because she is thorough, kind and respectful. She explains things clearly, doesn't recommend things that aren't needed (no upselling of products or services) and is happy to answer as many questions as I have. She never seems rushed to get to the next appointment. They are a cat friendly vet, and Tory is never taken out of my sight during the appointment - they bring everything they need into the room, so I know that she's always safe. Their prices are reasonable and they are located close to my home."

Dr. Joanne Smith from VCA Palo Alto
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3944 El Camino Real, Palo Alto, CA 94306
      "She’s caring and thoughtful and always goes the extra mile for our pets!"

Why did you choose the veterinarian you have for your pet? We’d love to know! Please drop a comment below.

Looking for a professional pet sitter to add to your pet’s care team? If you’re in the San Jose area, look no farther than us!! We’re accepting new clients. Click HERE to fill out our form.
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    Author

    ​Jennifer, CPPS has loved caring for animals since childhood, and she’s had quite a few throughout the years. From cats to dogs, to birds, hamsters, fish, guinea pigs, and even a horse; she’s had more four-legged family members than two legged ones! 

    ​Jennifer has always known that she’s wanted a career caring for animals. So, after graduating college with a degree in Social & Behavioral Sciences, she founded Jenn’s Pet TLC. Upon meeting her first client, Mia (look for her in the gallery, RIP) she knew that this was the right path for her.

    After a decade of professional animal care, Jennifer has learned quite a bit and continues to pursue education via invaluable resources from such places as Pet Sitters International (PSI) and Prosperous Pet Business Academy. In 2019 she earned her Certified Professional Pet Sitter (CPPS) credential through PSI and plans to maintain her accreditation through continued education. She’s endured more that her fair share of bumps, scratches, and bites. but she remains ever dedicated to the well-being of all her furry, feathered, and scaly friends!

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  • Home
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    • Online Training