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MONEY TALK SUE’S GUIDE TO free or low-cost veterinary bills

Consumer expert Sue Hayward’s savvy finance tips and advice

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Even a minor trip to the vet can mean big bills. Our youngest cat has just had dental treatment which cost £400. So if you’re on a tight budget, here’s how to get free or reduced cost care for your pet. PDSA WWW.PDSA.ORG.UK

To qualify you need to be claiming certain benefits like Universal Credit, and live near one of its 48 hospitals. Treatment includes vaccinatio­ns, worming and microchipp­ing up to emergency care, free or discounted depending on your situation. Blue Cross WWW.BLUECROSS.ORG.UK

Again you need to live near one of its centres and be claiming benefits such as Housing Benefit, Universal Credit, Income Support and Working Tax Credit, to qualify for free or low cost treatment.

Blue Cross has teamed up with PawSquad to offer discounted online consulatio­ns 24 hours a day. If you get certain benefits this costs £12 a year for unlimited online consultati­ons for up to five pets.

RSPCA WWW.RSPCA.ORG.UK

Free or low cost treatment may be available depending on your circumstan­ces. Pop in your postcode to find your local RSPCA hospital and a list of local vets’ practices that offer reduced treatment to anyone struggling financiall­y. Animal Trust WWW.ANIMALTRUS­T.ORG.UK

This not-for-profit vet company covers the north including Yorkshire, Manchester and

North Wales. You don’t pay consultati­on fees, just the cost of any treatment. There’s a full list of costs on the website.

◆ In an emergency, call your local vet. They can agree payment plans and other help if your pet needs urgent treatment. ◆ Pet insurance can save big bills but won’t cover everything. Check T&Cs.

◆ If your pet needs medication you can save money buying online.

◆ Online vet pharmacies including WWW. VIOVET.CO.UK and WWW.PETPRESCRI­PTION.CO.UK both have official accreditat­ion.

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Can’t pay? You can still get care
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