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. 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.

Boxer with e-collar in veterinary emergency hospital

Most pet owners fall into one of two groups.

  • Your pet’s treatment is planned:
    During your initial appointment you were given treatment options. You had time to decide what you could afford, how you could source the funding, and you had the time to come to terms with this new expense. Your pet’s surgery, chemotherapy or MRI has been scheduled, and on the day of the treatment, you are ready.
  • Your pet’s treatment is unplanned:
    Your pet woke you up at 3am in desperate need of medical attention. In a sleep deprived panic you loaded your pet into a car and raced to the nearest hospital. Now, it’s 4am and the emergency doctor is recommending treatment. The illness and cost were both unexpected, the need is urgent and your baby needs you. ATMs only allow you to take out so much at a time, you don’t have any checks with you, and even if you could call someone to help, it’s 4 in the morning.

In both cases there are financial options that may help you to pay your bills and manage your finances, yet still provide the level of care for your pet that you and your vet have agreed is appropriate.

Your Pet’s Treatment Plan

beagle getting an ultrasound

Once the doctor has examined your pet and initial diagnostics have been performed, you will discuss your pet’s working diagnosis and you will be given options for treatment. The cost of services will be included as part of the discussion of alternative options for treatment.

Your doctor will provide you with options and will help you weigh the pros and cons objectively. You can discuss the treatment plan with your medical team or the client care team until your questions are satisfied.

The cost of the initial treatment plan is based on your pet’s working diagnosis. As treatment begins, new developments in your pet’s condition may change the treatment plan, and its associated costs. If this happens, you and your veterinarian will once again discuss options, and objectively weigh the pros and cons together.

Payment Options

On the day that services are rendered, we will ask you to pay the estimate in full. Your options for payment methods include:

  • Cash
  •  Personal Checks
  • Credit Cards
    • Master Card
    • Visa
    • Discover
    • American Express
  • Lines of Credit
    • Wells Fargo Health Advantage
    • Care Credit

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 and Wells Fargo provide lines of credit specifically for health related expenses. There are a few alternative plans available, but you will need to apply for and be approved by the financial institution.

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 IVG 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.

Options

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.

Care Credit:

Click here to fill out the application form and start the application approval process

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. 
  • 14.9% interest on the following repayment options:
    • Fixed Monthly payments over 24 months, minimum transaction of $1,000
    • Fixed Monthly payments over 36 months, minimum transaction of $1,000
    • Fixed Monthly payments over 48 months, minimum transaction of $1,000
    • Fixed Monthly payments over 60 months, minimum transaction of $2,500
  • Interest 26% – Regular Payments until Paid in full, no minimum transaction amount.

Wells Fargo Health Advantage: (the rates listed below are as of 10/1/2015, and are subject to change)

Click here to fill out the application form and start the loan approval process

Plan Types vary, but currently include the following: additional options may also be available, please talk to the client care team member helping you with the application

  • 6 months – deferred interest.
    Any unpaid balance at the end of the 6 month period will be subject to the cumulative deferred interest. 
  • 9.99% interest on the following repayment options:
    • Equal Monthly payments over 18 months
    • Equal Monthly payments over 24 months
    • Equal Monthly payments over 36 months
    • Equal Monthly payments over 48 months
  • Regular payments until paid in full
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