People seeking the group's LifeLine grants for veterinary care increased 58 percent over the same period last year, said spokesperson Alexis Raymond. An increasing number of the applicants are citing job loss, cut hours, and/or foreclosure as reasons for applying.

As financial-aid options run dry, many private and public animal shelters are starting to overflow with pets that people can no longer afford.

The Arizona Humane Society in Phoenix has responded to 1,307 animal abandonment calls this year-a 90 percent increase from last year.

Estrada, of Chicago's Animal Welfare League, said they've experienced a 20 percent spike in calls concerning animals left behind in foreclosed homes.

Part of the reason is the difficulty former homeowners have finding pet-friendly rentals, she said. Of the places that do allow pets, many impose weight restrictions or high additional deposits that can limit pet owners.

Recently the Humane Society of the United States and American Humane Association began offering financial assistance grants to dozens of struggling shelters nationwide so they can continue helping animal victims of the economic downturn.

Getting Creative

Anna Worth, a veterinarian in Bennington, Vermont, said she is noticing her clients shifting priorities and making sacrifices elsewhere so they can afford procedures. Still, they're not as quick to agree to routine services such as teeth cleanings that can run upward of $250.

"People [now] have to think about it three times before saying, Yes," Worth said.

In the long run, people can better manage the cost of veterinary care by planning ahead, said Worth, who is also president of the American Animal Hospital Association (AAHA).

Setting up a special savings account or applying for a medical credit card can help with expenses when times are lean, she said.

In addition, some organizations offer special wellness plans with deeply discounted packages of preventative healthcare services.

Worth added that the AAHA recently persuaded some pet insurers to offer special policies for catastrophic events. The higher deductibles on those policies reduce the premiums on regular plans and make insurance a more viable option for many budgets, she said.

But for those facing more immediate financial decisions, solving some of the issues might mean getting creative, experts say.

For example, Estrada suggested that people facing rental restrictions try bartering with their landlords.

Ask about mopping the apartment's hallways or maintaining landscaping, she said, in exchange for a lower deposit or allowing a larger dog.

If owners must give up their animals to a shelter, Estrada urges them not to lie and say they are strays, because pets with known personalities are adopted much faster.

Tim Crum, executive director of the Arizona Humane Society, advises owners to actively seek out family and friends to adopt their pets should financial crisis cause them to lose their homes.

"We live in a day and age where people will generally step up to help out others in tough economic times," he said. "Sometimes all it takes is just to ask."

Source: NationalGeographic.com