Can i just not tell the insurance company about it, then take her to the vet afterwards to get the surgery? ... if i were to do all this, would it be considered insurance fraud?
Yes, it would be considered insurance fraud, and you could be prosecuted for it if caught. Why risk it? Besides, by the time you got through all the paperwork and whatever waiting period the insurance company might impose before coverage is initiated, arthritis would likely have already begun to develop around your kitten's knee joint. I know, I've been through three ACL surgeries on one of my dogs - all on the same leg!
Depending on the type of ACL surgery and on your location, $1000 might be very high or it might be very cheap. The ACL surgeries on my dog cost from $300-1600. The surgery that ultimately held and repaired the injury was the one that cost $1600.
You do have several options as far as financing the surgery are concerned. You could talk to your vet about a payment plan. You could see if you could work out some sort of barter arrangement with your vet. You could contact the organizations below and see if any of them can help:
In Memory of Magic (IMOM) is dedicated to insuring that no companion animal has to be euthanized simply because their caretaker is financially challenged.
IMOM, Inc PO Box 282 Cheltenham, MD 20623 Phone (866)-230-2164 Fax (301)-599-1852 __________________________________________________ _________________________
Help-A-Pet is a nonprofit organization, which provides financial assistance for the medical care of pets whose guardians are unable to afford the expense
Help-A-Pet P. O. Box 244 Hinsdale, Illinois 60521 Telephone: (630) 986-9504 fax: (630) 986-9141
United Animal Nations LifeLine Grants - Help animals in need of assistance after their caregiver has suffered a personal tragedy such as a house fire, domestic violence situation, or natural disaster.
United Animal Nations P.O. Box 188890 Sacramento, California 95818 Telephone: (916) 429 2457 fax: (916) 429 2456 __________________________________________________ _________________________
American Animal Hospital Association (AAHA) Helps those in need access quality veterinary care for their sick or injured pets.
Angels 4 Animals Helps pet owners with financial constraints not loose their sick or injured friends.
__________________________________________________ _________________________________________ Care Credit A credit card company for health care, including veterinary care. Gives convenient payment options so you can get the procedure you want for your pet.
The Pet Fund Provides financial assistance to owners of domestic animals who need urgent veterinary care.