Funding your pet’s treatment is a concern for many pet owners. Financial constraints may impact the decision you take on how to treat your pet’s condition.
We understand that these are difficult, personal decisions that are unique to each family; and we respect that in the midst of grappling with a diagnosis and a treatment plan, you are now also grappling with this unexpected new expense.
On the day of services, we will ask you to pay the estimate in full prior to services being rendered.
Your options for payment methods include:
- Credit Card: Master Card, Visa, Discover, American Express
- Lines of Credit: Care Credit, Scratchpay
Lines of Credit
If personal credit, cash, and personal loans from family and friends are not available, or do not cover the balance, a line of credit can be an alternative. Care Credit provides lines of credit specifically for health related expenses.
The process is much like a credit card application, the financial institution will evaluate your application and approve you for an amount with a predetermined interest rate and payment terms.
Hospitals in the Ethos network are not affiliated with either of these financial institutions. Our team is happy to help you apply for a line of credit with these institutions. We will help you fill out the form if necessary, provide you with copies of receipts, estimates and anything else you need in order to expedite the process for you, but we are not involved in their decisions around credit terms and amounts.
If you decide that a line of credit is for you, applying for credit in advance of your pet’s scheduled treatment will ease the process on the day you drop him or her off. If you have arrived at one of our hospitals in an emergency situation, we will be happy to assist you in filling out the form and submitting the application if you so desire. Please speak to a member of our client care team.
Plan Types vary, but currently include the following: (the rates listed below are subject to change at the discretion of Care Credit*)
- 6 months – deferred interest, regular payments, minimum transaction of $200
Any unpaid balance at the end of the 6 month period will be subject to the cumulative deferred interest.
- 14.90% interest on the following repayment options:
- Fixed Monthly payments over 24 months, minimum transaction of $1,000
- 16.9% interest on the following repayment options:
- Fixed Monthly payments over 48 months, transactions over $1,000
Scratchpay provides you with simple transparent payment plans. Simple transparent payment plans for medical financing. No prepayment penalty. Finding your plan does not affect your credit score. Scratchpay isn’t a credit card. Checking your plan option will not affect your credit score. We approve more pet parents, with affordable rates. No hidden fees. No prepayment penalty. No deferred interest. No surprises.
How it works:
- Apply for a payment plan from your phone or desktop
- Check your rate and pick your payment plan
- Get the care you need
* Rates updated as of August 2019 and subject to change.