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Pet insurance, why are you the worst?

Between committing to a premium, paying for services up front, filing a ton of paperwork and fighting for reimbursement claims, the whole thing can seem like more trouble than it?s worth.

Welcome a clever alternative: FieldsPet Collective.

Not exactly insurance, it?s a membership-based discount program through which you pay a monthly fee (from $8 to $12 a month) to save upwards of 25 percent off vet bills within the network. So even though a full $2,000 surgery isn?t covered, a cool $600 could be knocked off the cost.

Simply filter your area (East Side, West Side, downtown or Brooklyn) and find participating practices like Animal Hospital of Chelsea, Park East Animal Hospital and Riverside Veterinary Group. Sign up for the service, which provides a membership card, and present that to any participating vet.

But here?s how it really pays off: FieldsPet is not just for heartworm checks. You can also book groomers, walkers, sitters and other service providers near you at a discount.

So whether Foxy just needs a haircut--or needs to never be a father--you can now avoid paying full price.

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