Cheapest way to raise £500 for short term?

LJD1_2

Hiya
Just wondering if anyone can advise me. I had to take our dog to the vets this morning, she's been hospitalised as she's so poorly and deteriorated very quickly. She's on a drip etc. At the moment the bill stands at £254 but it's estimated that it will be between £500 and £1000. The good news is that she's insured so we'll only have to pay the first £60. The bad news is that we have to pay up front and it can take up to three months to get the money back. How should I pay? Credit card? Chip into the mortgage facility (virgin one)? I know I can pay the money off as soon as the insurance pays up but i'm so anti credit cards I don't want to pay them any money! Any ideas?

Thanks.

rog2

I know that the PDSA or RSPCA can offer some help towards Vets' bills, but I am not sure that they can in your case.
Have you tried explaining the situation to your vet - he must realise that his money is safe and perhaps he could be persuaded to wait for the Insurance.
Three months seems to be a bit excessive - can you speak to the insurer?

*zippy*

Hi LJD1

Sorry to hear about your dog, hope she recovers quicky.

Presume you have to pay the vet straight away and don't have time to apply for a 0% cc? Some vets also let you pay for treatment monthly, it might be worth asking.

Could you ring your present cc and try to lower interest?
zippy x

LJD1_2

Hiya both of you,
Thanks for your replies. I'm going in to see our dog later today and i've asked to have a word with the vet whilst i'm there. I've got a hundred pounds that I originally budgeted for a holiday that we've decided not to have so I can pay that much. Then i'm going to ask to pay the rest back a bit a week with payment in full when the insurance comes through. If I don't ask I won't get so wish me luck. I've phoned the insurers and now our dog is older we have to pay the first £60 plus 20% of the remainder. I love animals but we won't be having any more as we seem to be rather unlucky with ours. So any dfw out there, this is a reminder that insurance is great but as the animal gets older you have to pay more and more and it's not cheap! How do people afford to have animals anymore?