My Cat has a Urinary Blockage and I Can’t Afford a Vet

Urinary blockage in cats is a terrifying situation. Not only is it painful and possibly fatal, but it is also very expensive to treat. If you can’t afford the cost of your cat’s urinary blockage, you aren’t alone.

Cat urinary blockage can't afford

Home remedy for urinary blockage in cats

It is important to remember that while our first instinct may be to try and treat our pets ourselves using natural remedies or supplements; urinary blockages can be life-threatening. These products will not dissolve the blockage and can actually cause more harm than good. If your cat is suffering from a urinary blockage, it is imperative that you seek veterinary care immediately!

How much does it cost to treat a cat with urinary blockage?

The average cost of treating a cat with urinary blockage is $1,200. The total cost will depend on how severe the blockage is and whether there are any complications. One study found that the average cost of treating a cat with urinary blockage was over $2,000, but the average cost reported by pet owners is much lower. It’s important to remember that this number is just an average, so it’s possible to pay much more or less than this amount.

My cat has urinary blockage and I have no money

If your cat has a urinary blockage and you are unable to afford treatment, you may need to consider some of the following options for financial assistance.

1. Payment plans

Some veterinarians have payment plans available for clients who cannot pay their balance all at once. If you are unable to afford the full cost of the treatment, see if your veterinarian will work with you on payments. Many veterinarians will also allow you to make payments on a credit card, which may allow you to take advantage of interest-free financing options if any are offered by the card issuer.

You should ask if this is possible when you first call the hospital to let them know that you are coming in with an emergency. Unfortunately, many veterinarians will require a deposit of at least half of the anticipated cost upfront. This deposit can be paid by credit card or check. If you do not have a credit card or enough money in your checking account to cover the deposit, look into CareCredit, a company that offers financing for veterinary expenses.

2. CareCredit

CareCredit offers no-interest payment plans for veterinary care for people with good credit (although the interest rate is 26% if you do not pay off your bill in time). Many veterinary hospitals accept CareCredit as a form of payment. If you cannot afford to pay for the treatment now and have no way of charging the bill, look into one of the organizations that offer financial aid for pet owners who cannot afford emergency treatment.

To apply for Care Credit, visit or call 800-677-0718 to find the veterinarian nearest you.

3. VetBilling

You can also apply for financing through, which offers plans that let you pay off veterinary bills over time instead of paying them all upfront. You can choose from multiple plans, including 90-day interest-free financing and 24-month installment plans with low monthly payments on balances over $500.

4. The Magic Bullet Fund

The Magic Bullet Fund provides financial assistance to pet owners whose dog or cat has been diagnosed with cancer, and also covers other serious diseases. The fund was established by a group of volunteer pet owners, animal enthusiasts and health professionals who are dedicated to helping as many pets as possible. To date, the organization has given away over $1 million to assist more than 700 pets across the country.

5. The Pet Fund

The Pet Fund provides funding for non-basic, non-elective care of animals. This includes urinary blockage in cats, which can be treated with catheters or surgery. The fund provides grants rather than loans, so you don’t have to worry about paying it back. You do need to meet certain criteria to qualify for funding.

6. FACE Foundation For Animals

The FACE Foundation for Animals is another organization that you can contact regarding your cat’s urinary blockage. According to the FACE website, more than 1,000 families have received more than $4 million in grants from FACE since it was founded in 2006. In order to apply for financial assistance from FACE, you must fill out an application on their website and submit it along with your veterinarian’s estimate for the cost of treatment and proof of income (pay stubs, tax return information, etc.). Once your application is completed and submitted, FACE will review it and inform you of their decision.

7. Veterinary Care Charitable Fund (VCCF)

The VCCF provides charitable grants to care for pets whose guardians have a financial need. To qualify, you must be able to demonstrate that you are unable to afford the treatment needed by your pet and have exhausted all other possible means of funding. Grants are given on a case-by-case basis and the amount awarded depends on several factors, such as the availability of funds, level of need, and urgency of treatment. You can apply for a grant at and read more about the criteria.

8. Rescue Groups

Many rescue groups exist in every state throughout the U.S., and some of these groups offer financial aid for pets with serious conditions or injuries. If you can find one in your area, contact them directly to determine if they provide aid for cats with urinary blockages. You may also be able to find a list of rescue groups offering financial assistance online or through veterinary offices in your area.

9. RedRover

RedRover Relief provides financial assistance grants for pet owners who are facing emergencies. These grants may help cover unexpected medical expenses for pets like cats suffering from urinary blockage. You can apply for a grant on the RedRover website and find out if you qualify for their financial assistance.

10. Veterinary schools

Many veterinary schools have charitable programs. Some may offer free or low-cost treatment for cats with a urinary blockage. You will usually find these programs by contacting the school directly and asking if they offer anything similar.

11. American Animal Hospital Association (AAHA)

This organization offers a Helping Pets Fund grant to pet owners who are struggling financially. Grants are available to help with the costs of emergency care and specific treatments for chronic conditions like cancer. To apply for this grant, applicants must provide proof of income and a letter from their veterinarian.

12. Fundraising

Fundraising websites like GoFundMe and GiveForward allow you to create a page where people can donate money directly to your cause. While these sites are usually associated with donating money for medical treatment or assistance for people, it’s also possible to raise money for sick pets through these sites as well.

How long can a cat survive with a urinary blockage?

A cat can survive with a urinary blockage for up to 3-4 days. If the blockage is not relieved, permanent damage can occur in their bladder and urethra. A urinary blockage is life-threatening and requires immediate medical attention.

If you suspect your cat has a urinary blockage, take it to a veterinarian immediately. While en route to the vet, signs that your cat might have a urinary blockage include:

  • Straining to urinate
  • Vocalizing as though in pain
  • Making frequent trips to the litter box without producing any urine
  • Sitting in its litter box for long periods of time
  • Urinating outside their litter box
  • Blood in the cat’s urine

Putting a cat down for urine blockage

It’s extremely important to see a vet immediately if you notice your cat is having trouble urinating or possessing painful urination. If left untreated, the obstruction can lead to a life-threatening condition.

If the cat is quite sick and the owner cannot afford treatment, discussing euthanasia with your veterinarian might be an option. If it’s not possible to have your cat treated at a hospital or clinic, it’s probably best to put him down so he doesn’t suffer further discomfort.

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Hannah Elizabeth is an English animal behavior author, having written for several online publications. With a degree in Animal Behaviour and over a decade of practical animal husbandry experience, Hannah's articles cover everything from pet care to wildlife conservation. When she isn't creating content for blog posts, Hannah enjoys long walks with her Rottweiler cross Senna, reading fantasy novels and breeding aquarium shrimp.

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