My Dog is Dying and I Can’t Afford a Vet | MetLife Pet Insurance (2024)

¹ Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

² Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

³ “Access to Veterinary Care: Barriers, Current Practices, and Public Policy”, Access to Veterinary Care Coalition, page 17

“Why Vets Don’t Like to Offer Payment Plans,” Vet Billing

“Are You Having Trouble Affording Your Pet?,” The Humane Society of the United States

“Accredited Veterinary Colleges,” American Veterinary Medical Association

“Can I Kill a Terminally Sick Pet Myself, or Do I Need a Veterinarian?,” LawInfo

“Pet Euthanasia at Home: 6 Ways to Make Putting Down Your Pet Easier on Them — and You,” Self.com

“Ending Economic Euthanasia,” Waggle

¹⁰ “Cancer in Senior Dogs: Signs and Symptoms to Watch For,” American Kennel Club

¹¹“Heart Disease in Dogs,” Merck Veterinary Manual

My Dog is Dying and I Can’t Afford a Vet | MetLife Pet Insurance (2024)

FAQs

What do I do if my dog is dying and I have no money? ›

Where can I find financial assistance for my pet?
  1. Banfield Foundation (search under “National programs")
  2. Bow Wow Buddies.
  3. Canine Cancer Awareness.
  4. Frankie's Friends (funds special and emergency care for pets who have a good prognosis)
  5. Handicapped Pet Foundation.
  6. Help-a-Pet.

Will vet treat my dog if I have no money? ›

Check for state-specific financial assistance programs for pet healthcare. If there's no fund designed for your specific situation, RedRover's Urgent Care Grants might help. RedRover provides almost 700 grants every year for pets whose owners can't afford treatment, with an average grant amount of $200.

What happens if you don't have money to euthanize a dog? ›

You can also ask local veterinarians, animal hospitals, or clinics if they offer free or low-cost dog euthanasia services. Local services may offer discounted rates on a case-by-case basis.

What happens with my pet insurance if my dog dies? ›

Some pet insurance will cover other costs like cremation or burial, and the process will work the same way. If the coverage period extends past your pet's death, you must usually continue to pay your premium until the coverage period ends.

What medications can be used to euthanize a dog? ›

The euthanasia medication most vets use is pentobarbital, a seizure medication. In large doses, it quickly renders the pet unconscious. It shuts down their heart and brain functions usually within one or two minutes. It is usually given by an IV injection in one of their legs.

What is the best thing to do for a dying dog? ›

Provide a Calm Environment

As such, you'll want to ease their pain and anxieties as much as possible. Provide a quiet environment for the pet, filled with their favorite toys and items. Chaotic environments will undoubtedly stress your dog, keeping them on high alert.

Can you negotiate vet bills? ›

Don't be afraid to negotiate with your vet, especially if you're faced with a large bill. Discuss the estimate and ask if there are any discounts available or if certain services can be performed at a lower cost.

What is economic euthanasia? ›

The Humane Society Veterinary Medical Association defines economic euthanasia as “a condition in which euthanasia is elected based primarily, principally, or to a large degree on the cost of veterinary medical care; a condition in which veterinary care is bypassed based on the anticipated cost of care, and the ...

What is the survival rate for a dog with intestinal blockage? ›

If you own a large to very large breed of dog and they experience an intestinal obstruction the signs should be noticeable within hours of the stomach twisting. It is important to bring your dog in for immediate emergency care if you notice any signs or symptoms as the mortality rate is 15%.

Is it cruel to euthanize a dog? ›

When an owner and veterinarian decide that a pet is suffering or unlikely to make a recovery, euthanasia offers a way to end a pet's pain. The decision is difficult for both the owner and the veterinarian, but we should recognize that sometimes this is the kindest thing we can do in the final stage of a pet's life.

Is euthanasia really painless for dogs? ›

Though the injection is typically painless, your dog may feel a tiny needle prick. There may be a brief feeling of dizziness once the drug takes effect, although this is entirely pain-free. Your pet will become unconscious within seconds, which means they experience no pain or suffering.

How long should I wait to euthanize my dog? ›

There is no perfect moment to make this ultimate choice, unless the pet is truly suffering—something we are trying to prevent in the first place. Rather, there is a subjective time period, which may be hours, days, weeks, or months, when euthanasia is the appropriate decision.

Is there such a thing as pet life insurance? ›

Pet life insurance is similar to life insurance for humans. If the animal passes away, the life insurance will provide a death benefit. You can use the money for anything you like, but people generally use it to pay for the animal's funeral costs and/or cremation, or to replace the income you made from the animal.

Can I buy life insurance for my dog? ›

As with life insurance for humans, insuring your pet's life will cover funeral expenses. Pet policies also provide reimbursem*nt for the animal's value, including if it's stolen or otherwise disappears — which are surprisingly common occurrences, given the cost of many purebred pets.

Can I cancel pet insurance after death? ›

Most insurers will have an online cancellation form in which you can update them. This will allow your insurer to refund you for the time left on your coverage from when your pet passed away. It will also prevent your policy from continuing into the future and resulting in additional payments.

What to do for a dog dying at home? ›

Don't leave your pet on carpet or a sofa.

Their body may begin to expel fluids as the muscles relax, which may cause stains. Move your pet's body to a cold stone floor, in a garage or utility room, as this will keep it cool.

Is dog dying a family emergency? ›

Ethically, though, this is a family emergency and you're not wrong to call it one. But clients are a different case anyway. Clients almost never need the details, and broad explanations — “family emergency,” “out sick,” “a scheduling conflict I couldn't move,” etc. — are generally fine.

What is the least painful way to put down a dog? ›

Without THE DOG suffering? The vet has a protocol of injections - one sedates the dog, then the next put him to sleep. It's a painless, humane process when you and your vet feel that's the best option for the animal. It's the only option I'd choose, as any other option has a chance of causing pain and suffering.

How do I tell my vet I want to euthanize my dog? ›

Most practices will be happy to give you advice on the phone, or notify the vet that you wish to discuss the various options open to you. If your vet practice offers a pre-euthanasia appointment this can be a good time to chat through aftercare.

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