{"id":32721,"date":"2026-08-08T15:37:33","date_gmt":"2026-08-08T10:37:33","guid":{"rendered":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=32721"},"modified":"2026-08-08T15:37:33","modified_gmt":"2026-08-08T10:37:33","slug":"would-you-go-into-debt-for-your-pet-76-of-owners-say-this","status":"publish","type":"post","link":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=32721","title":{"rendered":"Would you go into debt for your pet? 76% of owners say this"},"content":{"rendered":"<p><script>\r\n  atOptions = {\r\n    'key' : '644b717812d811d6a1c1fc5b6ccd6fa6',\r\n    'format' : 'iframe',\r\n    'height' : 90,\r\n    'width' : 728,\r\n    'params' : {}\r\n  };\r\n<\/script>\r\n<script src=\"https:\/\/www.highperformanceformat.com\/644b717812d811d6a1c1fc5b6ccd6fa6\/invoke.js\"><\/script>\r\n<br \/>\n<\/p>\n<div>\n<aside class=\"commerce-disclosure\">\n\t\t<em>New York Post may receive revenue from affiliate and advertising partnerships for sharing this content and\/or when you make a purchase.<\/em><br \/>\n\t<\/aside>\n<p>Ask a pet owner what they\u2019d do if the vet visit estimate came back at $6,000, and most already know the answer.<\/p>\n<p>Roughly 76% of pet owners say they would take on debt if it meant saving their animal\u2019s life, according to a <a href=\"https:\/\/www.valuepenguin.com\/pet-care-survey\" target=\"_blank\" rel=\"noopener\">ValuePenguin survey<\/a> of nearly 2,000 U.S. consumers. Among Gen Z, that figure climbs to 82%. A separate <a href=\"https:\/\/money.usnews.com\/loans\/personal-loans\/articles\/2024-pet-debt-survey\" target=\"_blank\" rel=\"noopener\">U.S. News survey<\/a> found the same share, 76%, saying they had already done it.<\/p>\n<p>The devotion isn\u2019t in question. What is in question is whether the math ever worked in the first place.<\/p>\n<h2 class=\"wp-block-heading\">Key findings<\/h2>\n<ul class=\"wp-block-list\">\n<li>76% of U.S. pet owners say they would take on debt to save their pet\u2019s life, rising to 82% of Gen Z<\/li>\n<li>Pet owners say they can absorb about $2,818 in emergency vet costs before borrowing<\/li>\n<li>Emergency surgeries for dogs and cats commonly start at $4,000 to $5,000<\/li>\n<li>53% of pet owners couldn\u2019t cover a $1,000 pet emergency without taking on debt<\/li>\n<li>Most <a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"nofollow noopener\" data-nyp-affiliate=\"true\">pet insurance<\/a> reimburses after the fact, so owners still pay the vet upfront<\/li>\n<li>Most veterinary hospitals no longer offer in-house payment plans, pushing owners to third-party financing<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\"><strong>How much can pet owners afford before going into debt?<\/strong><\/h2>\n<p>Here\u2019s the number that actually explains the pet debt problem: Pet owners say they can spend an average of about $2,818 on a pet\u2019s emergency medical costs before taking on debt. Meanwhile, 53% say they couldn\u2019t afford a $1,000 pet emergency without borrowing.<\/p>\n<p>Now compare that to what an emergency actually costs.<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th><strong>What pet owners can absorb<\/strong><\/th>\n<th><strong>What pet emergencies cost<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>$2,818 average amount owners say they can spend before taking on debt<\/td>\n<td>$1,200 to $2,500 for a basic ER workup and outpatient care<\/td>\n<\/tr>\n<tr>\n<td>53% couldn\u2019t cover a $1,000 emergency without borrowing<\/td>\n<td>$2,400 to $5,000 for one to two days of hospitalization<\/td>\n<\/tr>\n<tr>\n<td>$3,167 average pet debt balance for owners of chronically ill pets<\/td>\n<td>$4,000 to $5,000 minimum for surgery or critical care, commonly $5,000 to $10,000+<\/td>\n<\/tr>\n<tr>\n<td>$2,269 average balance for owners of otherwise healthy pets<\/td>\n<td>$7,000 to $10,000 for torn ACL repair through full recovery; $8,000 to $15,000+ for foreign body surgery<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p class=\"has-small-font-size\"><em><sup>Owner figures from ValuePenguin and U.S. News. Treatment costs per Dr. Zac Pilossoph and Dr. Mathieu Glassman.<\/sup><\/em><\/p>\n<p>\u201cWorking in ER predominantly, I rarely create estimates for gold-standard services that fall below $500 for the most basic of care, with most initial estimates falling in the range of $1,200 to $2,500 for a basic workup and outpatient care,\u201d said <a href=\"https:\/\/www.linkedin.com\/in\/dr-zac-pilossoph-fear-free-dvm-cmft-cavm-integrative-vet-doc-369905b3\" target=\"_blank\" rel=\"noopener\">Dr. Zac Pilossoph<\/a>, an emergency and integrative medicine veterinarian who consults for <a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"nofollow noopener\" data-nyp-affiliate=\"true\">Healthy Paws<\/a>. And that\u2019s before treatment.<\/p>\n<p>\u201cFor basic hospitalization 1 to 2 days, those numbers usually double easily,\u201d Pilossoph said. \u201cFor surgeries or critically ill patients, almost never will you see an estimate less than $4,000 to $5,000, with most being somewhere in the range of $5,000 to $10,000-plus.\u201d<\/p>\n<p>Put those two figures side by side, and the picture is stark. The average owner\u2019s ceiling is roughly $2,800. The floor for a real surgical emergency is $4,000. The debt isn\u2019t a failure of planning so much as a structural gap, and it opens the moment something goes wrong.<\/p>\n<p><a href=\"https:\/\/friendshiphospital.com\/meet-our-doctors\/mathieu-glassman\/\" target=\"_blank\" rel=\"noopener\">Dr. Mathieu Glassman<\/a>, a veterinary surgeon in Washington, D.C., and the creator of <a href=\"https:\/\/drcuddles.com\/products\/readyrescue\" target=\"_blank\" rel=\"nofollow noopener\" data-nyp-affiliate=\"true\">ReadyRESCUE<\/a>, sees where that gap lands. A torn ACL, \u201cthe most common orthopedic disease in dogs,\u201d runs \u201capproximately $7,000 to $10,000 by the time the animal is healed,\u201d he said.<\/p>\n<p>Foreign body surgery, when a dog swallows something it shouldn\u2019t, runs \u201capproximately $8,000 to $15,000-plus depending on how sick the animal is or how much damage is done to the intestines.\u201d<\/p>\n<aside class=\"single__inline-module alignright\">\n\t<\/aside>\n<h2 class=\"wp-block-heading\"><strong>Why don\u2019t vets offer payment plans for emergency bills?<\/strong><\/h2>\n<p>There\u2019s a mechanical reason vet debt shows up as consumer debt rather than a payment plan. Veterinary hospitals mostly can\u2019t extend credit themselves.<\/p>\n<p>\u201cVet hospitals no longer offer in-house payment plans, with rare exceptions, as there is too high of a risk of never receiving subsequent payments,\u201d Pilossoph said. What\u2019s left is third-party financing: CareCredit, ScratchPay, Cherry, Affirm.<\/p>\n<p><a href=\"http:\/\/Dochalligan.com\" target=\"_blank\" rel=\"noopener\">Dr. Karen \u201cDoc\u201d Halligan<\/a>, a practicing veterinarian and surgeon with more than 35 years of experience, points to the structural difference.<\/p>\n<p>\u201cUnlike human hospitals, veterinary hospitals generally cannot provide long-term payment plans because they don\u2019t receive government reimbursement or insurance payments,\u201d she said.<\/p>\n<p>Those third-party options work, but they carry teeth.<\/p>\n<p>\u201cPet owners should read all the fine print with these payment plans carefully,\u201d said <a href=\"https:\/\/noahshospitals.com\/\" target=\"_blank\" rel=\"noopener\">Thomas Dock<\/a>, director of communications at Noah\u2019s Animal Hospitals. \u201cSome may charge high rates of interest if the payments go behind the specified time frame.\u201d<\/p>\n<p>Even insurance doesn\u2019t fully solve the cash-flow problem in the moment. Most policies reimburse rather than pay directly. As Dock put it, \u201cyou still need to pay the veterinarian upfront.\u201d<\/p>\n<p>That\u2019s the part owners rarely anticipate. U.S. News found that among owners who borrowed, average balances reached $3,167 when the pet had a chronic illness, compared with $2,269 for healthy pets \u2014 proof that the debt tends to compound over months of management, not just one bad night.<\/p>\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"noopener nofollow\" data-nyp-affiliate=\"true\"><img loading=\"lazy\" style=\"aspect-ratio:1.50146628;display:block\" decoding=\"async\" data-no-modal=\"true\" width=\"886\" height=\"590\" src=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?1786116942&amp;w=1024&amp;1786116942\" alt=\"An image collage containing 2 images, Image 1 shows A young girl in a red shirt with her Corgi, both smiling at the camera, recording a video for social media, Image 2 shows A smiling woman pushing two dogs in a stroller\" class=\"wp-image-40242881\" srcset=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?quality=75&amp;strip=all 2000w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=300,200&amp;quality=75&amp;strip=all 300w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=768,512&amp;quality=75&amp;strip=all 768w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=1024,682&amp;quality=75&amp;strip=all 1024w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=1536,1024&amp;quality=75&amp;strip=all 1536w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=600,400&amp;quality=75&amp;strip=all 600w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=878,585&amp;quality=75&amp;strip=all 878w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=744,496&amp;quality=75&amp;strip=all 744w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=720,480&amp;quality=75&amp;strip=all 720w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=576,384&amp;quality=75&amp;strip=all 576w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=457,305&amp;quality=75&amp;strip=all 457w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=440,293&amp;quality=75&amp;strip=all 440w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=424,282&amp;quality=75&amp;strip=all 424w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=389,260&amp;quality=75&amp;strip=all 389w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=360,240&amp;quality=75&amp;strip=all 360w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=340,227&amp;quality=75&amp;strip=all 340w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=320,213&amp;quality=75&amp;strip=all 320w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=314,209&amp;quality=75&amp;strip=all 314w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=306,204&amp;quality=75&amp;strip=all 306w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=280,187&amp;quality=75&amp;strip=all 280w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=260,174&amp;quality=75&amp;strip=all 260w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=246,164&amp;quality=75&amp;strip=all 246w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=234,156&amp;quality=75&amp;strip=all 234w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=195,130&amp;quality=75&amp;strip=all 195w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=180,120&amp;quality=75&amp;strip=all 180w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=171,114&amp;quality=75&amp;strip=all 171w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=160,107&amp;quality=75&amp;strip=all 160w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=144,96&amp;quality=75&amp;strip=all 144w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=107,71&amp;quality=75&amp;strip=all 107w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=93,62&amp;quality=75&amp;strip=all 93w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=84,56&amp;quality=75&amp;strip=all 84w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=60,40&amp;quality=75&amp;strip=all 60w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=105,70&amp;quality=75&amp;strip=all 105w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=81,54&amp;quality=75&amp;strip=all 81w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=200,133&amp;quality=75&amp;strip=all 200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=231,154&amp;quality=75&amp;strip=all 231w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=322,215&amp;quality=75&amp;strip=all 322w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=662,441&amp;quality=75&amp;strip=all 662w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=90,60&amp;quality=75&amp;strip=all 90w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=120,80&amp;quality=75&amp;strip=all 120w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=1200,800&amp;quality=75&amp;strip=all 1200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=1038,692&amp;quality=75&amp;strip=all 1038w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=87,58&amp;quality=75&amp;strip=all 87w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/newspress-collage-9wjaydm4h-1786131269306.jpg?resize=50,33&amp;quality=75&amp;strip=all 50w\" sizes=\"auto, (max-width: 886px) 100vw, 886px\"\/><\/a><figcaption>Last year, 45% of Gen Z owners spent $2,000 or more on their pet, compared with just 15% of Baby Boomers, according to Healthy Paws research.  <span class=\"credit\">New York Post photo composite<\/span><\/figcaption><\/figure>\n<h2 class=\"wp-block-heading\"><strong>Which generation spends the most on pet care?<\/strong><\/h2>\n<p>Younger owners are carrying more of this and responding to it differently.<\/p>\n<p>Last year, 45% of Gen Z owners spent $2,000 or more on their pet, compared with just 15% of Baby Boomers, according to <a href=\"https:\/\/www.healthypawspetinsurance.com\/blog\/pet-insurance-101\/generational-differences-pet-care-insurance.html\" target=\"_blank\" rel=\"noopener\">Healthy Paws research<\/a>. <\/p>\n<p>That pressure appears to be reshaping behavior: 28% of Gen Z say pet ownership has influenced their financial planning or savings goals, versus 10% of Boomers. <\/p>\n<p>About half of Gen Z owners currently carry pet insurance, compared with roughly one in 10 Boomers.<\/p>\n<p>The comparison is rather striking when set side-by-side.<\/p>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th\/>\n<th><strong>Gen Z<\/strong><\/th>\n<th><strong>Baby Boomers<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Spent $2,000+ on their pet last year<\/strong><\/td>\n<td>45%<\/td>\n<td>15%<\/td>\n<\/tr>\n<tr>\n<td><strong>Currently paying for pet insurance<\/strong><\/td>\n<td>\u224850%<\/td>\n<td>\u224810%<\/td>\n<\/tr>\n<tr>\n<td><strong>Say pet ownership shaped their financial planning<\/strong><\/td>\n<td>28%<\/td>\n<td>10%<\/td>\n<\/tr>\n<tr>\n<td><strong>Cite cost as the reason they\u2019re uninsured<\/strong><\/td>\n<td>18%<\/td>\n<td>41%<\/td>\n<\/tr>\n<tr>\n<td><strong>Likely to buy a policy in the next year<\/strong><\/td>\n<td>39%<\/td>\n<td>16%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p class=\"has-small-font-size\"><em><sup>Source: Healthy Paws<\/sup><\/em><\/p>\n<p>The barrier for the uninsured among them isn\u2019t price. Only 18% of uninsured Gen Z owners cite expensive premiums, compared with 41% of Boomers. Instead, 22% say they didn\u2019t know pet insurance existed, and 28% simply haven\u2019t gotten around to it. Nearly four in 10 say they\u2019re likely to buy a policy within the next year.<\/p>\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"noopener nofollow\" data-nyp-affiliate=\"true\"><img loading=\"lazy\" style=\"aspect-ratio:1.49926794;display:block\" decoding=\"async\" data-no-modal=\"true\" width=\"885\" height=\"590\" src=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?w=1024\" alt=\"A worried woman holding a bill at a vet's office while a veterinarian examines her dog.\" class=\"wp-image-40242923\" srcset=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?quality=75&amp;strip=all 5867w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=300,200&amp;quality=75&amp;strip=all 300w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=768,512&amp;quality=75&amp;strip=all 768w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=1024,683&amp;quality=75&amp;strip=all 1024w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=1536,1024&amp;quality=75&amp;strip=all 1536w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=2048,1365&amp;quality=75&amp;strip=all 2048w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=600,400&amp;quality=75&amp;strip=all 600w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=878,585&amp;quality=75&amp;strip=all 878w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=744,496&amp;quality=75&amp;strip=all 744w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=720,480&amp;quality=75&amp;strip=all 720w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=576,384&amp;quality=75&amp;strip=all 576w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=457,305&amp;quality=75&amp;strip=all 457w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=440,293&amp;quality=75&amp;strip=all 440w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=424,282&amp;quality=75&amp;strip=all 424w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=389,260&amp;quality=75&amp;strip=all 389w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=360,240&amp;quality=75&amp;strip=all 360w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=340,227&amp;quality=75&amp;strip=all 340w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=320,213&amp;quality=75&amp;strip=all 320w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=314,209&amp;quality=75&amp;strip=all 314w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=306,204&amp;quality=75&amp;strip=all 306w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=280,187&amp;quality=75&amp;strip=all 280w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=260,174&amp;quality=75&amp;strip=all 260w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=246,164&amp;quality=75&amp;strip=all 246w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=234,156&amp;quality=75&amp;strip=all 234w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=195,130&amp;quality=75&amp;strip=all 195w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=180,120&amp;quality=75&amp;strip=all 180w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=171,114&amp;quality=75&amp;strip=all 171w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=160,107&amp;quality=75&amp;strip=all 160w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=144,96&amp;quality=75&amp;strip=all 144w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=107,71&amp;quality=75&amp;strip=all 107w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=93,62&amp;quality=75&amp;strip=all 93w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=84,56&amp;quality=75&amp;strip=all 84w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=60,40&amp;quality=75&amp;strip=all 60w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=105,70&amp;quality=75&amp;strip=all 105w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=81,54&amp;quality=75&amp;strip=all 81w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=200,133&amp;quality=75&amp;strip=all 200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=231,154&amp;quality=75&amp;strip=all 231w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=322,215&amp;quality=75&amp;strip=all 322w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=662,441&amp;quality=75&amp;strip=all 662w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=90,60&amp;quality=75&amp;strip=all 90w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=120,80&amp;quality=75&amp;strip=all 120w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=1200,800&amp;quality=75&amp;strip=all 1200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=1038,692&amp;quality=75&amp;strip=all 1038w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=87,58&amp;quality=75&amp;strip=all 87w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_96378570.jpeg?resize=50,33&amp;quality=75&amp;strip=all 50w\" sizes=\"auto, (max-width: 885px) 100vw, 885px\"\/><\/a><figcaption>\u201cOnce a pet is in the ER and the estimate is several thousand dollars, families may be making medical decisions under enormous financial stress,\u201d says certified veterinarian Dr. Sarah Wooten. <span class=\"credit\">highwaystarz \u2013 stock.adobe.com<\/span><\/figcaption><\/figure>\n<aside class=\"single__inline-module alignright\">\n\t<\/aside>\n<h2 class=\"wp-block-heading\"><strong>What happens when a pet owner can\u2019t afford treatment?<\/strong><\/h2>\n<p>\u201cThere is nothing more heartbreaking and stressful for the veterinarian to know that you can help a pet, remove their pain and suffering, and help the owners, but be unable to because they are unable to pay,\u201d Glassman said.<\/p>\n<p>Halligan describes the same scene from the exam room. \u201cI routinely see loving owners forced to make heartbreaking decisions because a $6,000 emergency surgery or a $3,000 hospitalization wasn\u2019t in the family budget,\u201d she said. \u201cThey aren\u2019t bad pet owners, they just never expected veterinary medicine to resemble human medicine so closely.\u201d<\/p>\n<p>I\u2019ve been on the owner\u2019s side of that counter, uninsured, doing the math I never wanted to do. It is not a decision anyone makes well under pressure.<\/p>\n<figure class=\"wp-block-image aligncenter size-large\"><a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"noopener nofollow\" data-nyp-affiliate=\"true\"><img style=\"aspect-ratio:1.49926794;display:block\" loading=\"lazy\" decoding=\"async\" data-no-modal=\"true\" width=\"885\" height=\"590\" src=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?w=1024\" alt=\"A man calculating utility bills with a smartphone, notebook, and pen, while petting an orange cat.\" class=\"wp-image-40242996\" srcset=\"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?quality=75&amp;strip=all 4128w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=300,200&amp;quality=75&amp;strip=all 300w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=768,512&amp;quality=75&amp;strip=all 768w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=1024,683&amp;quality=75&amp;strip=all 1024w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=1536,1024&amp;quality=75&amp;strip=all 1536w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=2048,1365&amp;quality=75&amp;strip=all 2048w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=600,400&amp;quality=75&amp;strip=all 600w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=878,585&amp;quality=75&amp;strip=all 878w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=744,496&amp;quality=75&amp;strip=all 744w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=720,480&amp;quality=75&amp;strip=all 720w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=576,384&amp;quality=75&amp;strip=all 576w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=457,305&amp;quality=75&amp;strip=all 457w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=440,293&amp;quality=75&amp;strip=all 440w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=424,282&amp;quality=75&amp;strip=all 424w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=389,260&amp;quality=75&amp;strip=all 389w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=360,240&amp;quality=75&amp;strip=all 360w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=340,227&amp;quality=75&amp;strip=all 340w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=320,213&amp;quality=75&amp;strip=all 320w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=314,209&amp;quality=75&amp;strip=all 314w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=306,204&amp;quality=75&amp;strip=all 306w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=280,187&amp;quality=75&amp;strip=all 280w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=260,174&amp;quality=75&amp;strip=all 260w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=246,164&amp;quality=75&amp;strip=all 246w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=234,156&amp;quality=75&amp;strip=all 234w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=195,130&amp;quality=75&amp;strip=all 195w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=180,120&amp;quality=75&amp;strip=all 180w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=171,114&amp;quality=75&amp;strip=all 171w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=160,107&amp;quality=75&amp;strip=all 160w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=144,96&amp;quality=75&amp;strip=all 144w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=107,71&amp;quality=75&amp;strip=all 107w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=93,62&amp;quality=75&amp;strip=all 93w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=84,56&amp;quality=75&amp;strip=all 84w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=60,40&amp;quality=75&amp;strip=all 60w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=105,70&amp;quality=75&amp;strip=all 105w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=81,54&amp;quality=75&amp;strip=all 81w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=200,133&amp;quality=75&amp;strip=all 200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=231,154&amp;quality=75&amp;strip=all 231w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=322,215&amp;quality=75&amp;strip=all 322w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=662,441&amp;quality=75&amp;strip=all 662w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=90,60&amp;quality=75&amp;strip=all 90w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=120,80&amp;quality=75&amp;strip=all 120w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=1200,800&amp;quality=75&amp;strip=all 1200w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=1038,692&amp;quality=75&amp;strip=all 1038w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=87,58&amp;quality=75&amp;strip=all 87w, https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_754521158.jpeg?resize=50,33&amp;quality=75&amp;strip=all 50w\" sizes=\"auto, (max-width: 885px) 100vw, 885px\"\/><\/a><figcaption>Even insurance doesn\u2019t fully solve the cash-flow problem in the moment. Most policies reimburse rather than pay directly. <span class=\"credit\">Anna \u2013 stock.adobe.com<\/span><\/figcaption><\/figure>\n<h2 class=\"wp-block-heading\"><strong>How can you avoid going into debt for vet bills?<\/strong><\/h2>\n<p>The financing options that exist are real, but they\u2019re built for people who set them up early.<\/p>\n<p>\u201cThe painful part is that these options are much easier to use before a crisis than during one,\u201d said <a href=\"http:\/\/DrSarahWooten.com\" target=\"_blank\" rel=\"noopener\">Dr. Sarah Wooten<\/a>, a veterinarian and certified veterinary journalist. \u201cOnce a pet is in the ER and the estimate is several thousand dollars, families may be making medical decisions under enormous financial stress.\u201d<\/p>\n<p>Her benchmark question for any owner: \u201cCould I pay for a $2,000 emergency this month? If the answer is no, they need a plan before something happens.\u201d<\/p>\n<p><a href=\"http:\/\/togethercu.org\" target=\"_blank\" rel=\"noopener\">Bob McKay<\/a>, president of Together Credit Union, recommends treating it as a standing budget line rather than a surprise.<\/p>\n<p>\u201cJust as a household might have an emergency fund for personal expenses, creating a pet emergency fund means that when an emergency strikes, they will have more options,\u201d he said. Start small if you have to. The point is that it exists before you need it.<\/p>\n<p>The other path is coverage, purchased while a pet is healthy and before anything becomes a pre-existing condition. Plans like <a href=\"https:\/\/services.nypost.com\/pr\/qfbd4d797c78?s1=hpi9\" target=\"_blank\" rel=\"nofollow noopener\" data-nyp-affiliate=\"true\">Healthy Paws Pet Insurance<\/a> convert an unpredictable four- or five-figure event into a monthly number a household can actually plan around.<\/p>\n<p>Glassman\u2019s framing is the one worth sitting with. Given how compressed a pet\u2019s lifespan is, he said, \u201cwhen you get a new pet, you can almost be guaranteed that within the next 15 years, there will be a major life-threatening event that will cost a lot, so it is prudent to be prepared.\u201d<\/p>\n<p>Three in four of us say we\u2019d borrow to save them. The better question is whether we ever have to.<\/p>\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n<h2 class=\"wp-block-heading\"><strong>How many pet owners would go into debt for their pet?<\/strong>\u00a0<\/h2>\n<p>About 76% say they would take on debt to save their pet\u2019s life, according to ValuePenguin, rising to 82% among Gen Z and 80% among millennials. A U.S. News survey found the same 76% share reporting they had actually done so.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Is it cheaper to get pet insurance or save for emergencies?<\/strong>\u00a0<\/h2>\n<p>Owners report being able to absorb roughly $2,818 in emergency vet costs before borrowing, and 53% say they couldn\u2019t cover a $1,000 emergency without taking on debt. Emergency surgeries commonly start at $4,000 to $5,000, which is where the gap opens.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Do vets offer payment plans for emergency bills?<\/strong>\u00a0<\/h2>\n<p>Rarely. Most veterinary hospitals no longer extend in-house credit, so owners are directed to third-party financing like CareCredit, ScratchPay or Cherry. Those carry interest terms worth reading closely before signing.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Does pet insurance pay the vet directly?<\/strong>\u00a0<\/h2>\n<p>Usually not. Most policies work on reimbursement, meaning you pay the hospital upfront and get money back afterward, often within 30 to 45 days. A few providers offer direct-pay arrangements with participating hospitals.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Why is pet debt worse for owners of chronically ill pets?<\/strong>\u00a0<\/h2>\n<p>Because it compounds. Owners who borrowed for a chronically ill pet carried average balances of $3,167, versus $2,269 for owners of otherwise healthy pets.<\/p>\n<\/p><\/div>\n<script async=\"async\" data-cfasync=\"false\" src=\"https:\/\/pl30214220.effectivecpmnetwork.com\/9ab3d4df8a7e1a6171e16ddbf732cc19\/invoke.js\"><\/script>\r\n<div id=\"container-9ab3d4df8a7e1a6171e16ddbf732cc19\"><\/div>\r\n\n","protected":false},"excerpt":{"rendered":"<p>New York Post may receive revenue from affiliate and advertising partnerships for sharing this content and\/or when you make a purchase. Ask a pet owner what they\u2019d do if the vet visit estimate came back at $6,000, and most already know the answer. Roughly 76% of pet owners say they would take on debt if&#8230;<\/p>\n","protected":false},"author":1,"featured_media":32722,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/nypost.com\/wp-content\/uploads\/sites\/2\/2026\/08\/AdobeStock_2071768946.jpeg?quality=75&strip=all&w=1200","fifu_image_alt":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-32721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pics-news"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/32721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32721"}],"version-history":[{"count":0,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/32721\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/media\/32722"}],"wp:attachment":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}