Here’s the True Cost of Emergency Vet Visits & Why—According to Experts

If you purchase an independently reviewed product or service through a link on our website, SheKnows may receive an affiliate commission.

When your pet is injured or sick, the last thing on your mind is how much it will cost to get them better. Whisking your dog or cat off to the emergency vet after they’ve broken a bone, eaten chocolate or experienced pretty much anything unexpected is stressful enough. But the fact of the matter is, taking your animal to the vet for an emergency visit can get really expensive, really fast.

Depending on the state you live in, the veterinary facility, your pet’s breed and the emergency itself, prices for emergency vet visits can vary. But across the board, they’re notoriously steep. An emergency vet can be the same as a standard vet or an entirely different practitioner or animal hospital; either way, the nature of the visit dictates the fees.

We reached out to Alex Stone, CEO of Petted, a leading pet insurance comparison site, and Kristen Lynch, Executive Director of pet insurance association NAPHIA, to learn more about what emergency vet visits actually cost and why they’re so costly. We were shocked to hear the truth. We aren’t talking about hundreds of dollars; we’re talking thousands. The costs add up quickly, but there are some things you can do to soften the financial blow, like investing in the right pet insurance.

Our mission at SheKnows is to empower and inspire women, and we only feature products we think you’ll love as much as we do. Lemonade is a SheKnows sponsor, however, all products in this article were independently selected by our editors. Please note that if you purchase something by clicking on a link within this story, we may receive a small commission of the sale.

How Much Do Emergency Vet Visits Cost?

If your pet has an emergency, “You are basically going to the ER,” says Stone, and just like in the human world, ER visits will cost you. Average prices start at about $40 for a urine test or pain meds and escalate to about $5,000 for emergency surgery, according to Preventive Vet. Some other common treatments include:

If you figure that many of these treatments may be required in a single visit, you start to realize how some people can end up in debt if their pet experiences a medical emergency.

Related story These Subscription Boxes for Kids Are the Perfect Last-Minute Gifts

Why Are Emergency Vet Visits So Costly? Experts Break It Down

“Emergency visits are costly because it typically means that the situation is no longer about small or routine treatments that can be more easily addressed. Instead, they often require complex and multi-pronged diagnostics and treatment approaches which may include blood tests, X-rays, exams, prescriptions, overnight hospital stays, IV fluids or medication, surgery and specialist treatments,” says Lynch.

“A specialty animal hospital is no different than the ER,” adds Stone. “So in terms of the diagnostics, whether it’s X-rays, MRI scans, whether it’s blood tests, surgery…you’ve got teams of people around the clock that are watching over your pet.” Stone emphasizes that emergency veterinary training is just as rigorous as training for human emergencies. And since pets can’t vocalize how they feel or how many pain they’re in, monitoring them requires even more vigilance. Supplies and machinery in veterinary emergency rooms can be more expensive than those in regular vet facilities, too.

Emergency vet costs can vary, according to Betterpet, based on:

Location

Different states charge different fees for veterinary care. The actual facility you choose will factor in too. “You can have the same surgery done in the midwest for $3,000 to $4,000, let’s say for example, TPLO (tibial plateau leveling osteotomy) surgery…can typically cost you three or $4,000 in the Midwest. But in California [or New York] that can be $9,000, simply because the cost of buildings, staff, and education — the cost of everything is just more expensive in those states,” says Stone.

Breed

Your dog’s breed will determine what kinds of illnesses they’re susceptible to, like hip dysplasia and eye infections, which can also affect prices.

The severity of the emergency

Things like emergency surgery and cardiac conditions often cost thousands.

Specialities

If your pet develops cancer, for instance, they’ll need to see an oncologist. Cancer treatments can be among the most costly.

Why Having Pet Insurance Helps With Emergency Vet Visits

“We live in a country where almost six out of 10 people have less than $500 in savings,” notes Stone, according to some statistics. Other studies have that average hovering around $1,200. Either way, it’s not getting you very far in the event of an emergency: it would only cover a two-day hospital stay on the low end of the cost spectrum. “People just don’t have the money to keep their pets healthy. That’s why pet insurance is growing massively. In the last few years, people are finally realizing, ‘Hey, pet insurance is a really good thing because it protects my pet against the worst,'” says Stone.

“Pet insurance helps the pet owner say ‘yes’ to comprehensive care and treatments. When this happens, you want to be able to be there for your pet, deal with the complex emotions of being a caring pet parent, and ideally not worry about whether you can afford to provide the care they need and the situation demands,” adds Lynch. But pet insurance is all about the type and level of coverage you have. “Policies offer a wide range of coverage options to suit the needs of the pet owner, their financial situation, and the breed and age of their pet.”

Choosing pet insurance to protect your pet in the event of a medical emergency comes down how much annual coverage you want, how much you want to spend in monthly premiums, how much you’d rather pay toward a deductible versus a copay, the age and general health of your pet and, of course, what accidents and illnesses are covered by the policy. Some pet insurers offer accident and illness plans only, while others give the option of adding preventive care, too.