Payment Options
In the event of a pet emergency, we understand that the cost of medical care can be a concern. To support you in providing the best care for your pet, we offer a variety of payment options to suit your needs: Care Credit, Cherry Payments, and Scratchpay. We encourage you to explore these options to find the one that works best for your situation, ensuring that your pet receives the necessary treatment without financial stress.
CareCredit
CareCredit: a program that allows you to make monthly payments to pay for your pet’s medical costs. If you spend more than $200 on your pet’s visit, CareCredit gives you the option of breaking it down into 6 monthly installments.
Notable highlights of the program:
- No annual fee
- Extended payment plans
- Deferred interest for 6 months
- Approval is quick and easy
- Immediate access to funds
To apply for CareCredit, go here.
Cherry
Cherry Payments: A third-party financing solution that enables you to choose the best treatment for your pet now. Instant funding is available after the down payment to Cherry is made via credit or debit card.
Notable highlights of the program:
- You must be 18 years or older.
- You need to make a down payment using a credit or debit card.
- Enjoy a fast application process.
- No hard credit check required.
- True 0% APR options.
- Straightforward, transparent pricing.
To apply, click the link below to access the direct portal for Happy Tails clients:
http://pay.withcherry.com/happy-tails-veterinary-emergency-clinic
Scratchpay
Scratchpay: Applying for a pet care loan is now quick and convenient. You can apply in minutes without affecting your credit score and select a plan that suits your needs. Scratchpay partners with veterinarians to directly cover your pet care services for a smooth process. Eligible borrowers can benefit from the 0% Interest Waived Offer on select loans, allowing for easy repayment over time.
- Apply in minutes without affecting your credit score
- Choose the plan that’s right for you
- Scratch pays your veterinarian directly
- O% Interest Waived Offer on select loans
- Pay back over 12, 18, or 24 months
- When applying, make sure to choose Happy Tails Veterinary Emergency Clinic in Greensboro, NC
Pet Insurance
Insurance for your pet can be a lifesaver. We recommend exploring the following pet insurance companies and seeing what kind of policies they offer:
- ASPCA Pet Health Insurance — Great Option for Overall Coverage
- ASPCA offers customizable plans covering accidents, illnesses, exam fees, and behavioral issues. It’s a well-established and trusted option for comprehensive protection.
- Spot Pet Insurance — Great for Multi-Pet Families
- Spot allows flexible coverage for multiple pets under one plan, making it a convenient choice for households with several furry companions.
- MetLife Pet Insurance — Fast Coverage Activation
- MetLife is known for its short accident waiting period—one of the quickest in the industry—providing reliable protection for sudden emergencies.
- Pets Best — Works with Care Credit
- Pets Best offers low premiums and customizable coverage, plus the option for direct vet payment, which speeds up the claims process and reduces out-of-pocket costs.
- Lemonade Pet Insurance — Great for Cat Owners
- Lemonade stands out for its low monthly premiums and fast, app-based claims process—making it a convenient, modern option for cat owners.
- Embrace Pet Insurance — Unlimited Annual Coverage
- Embrace provides fully customizable plans and offers the option for unlimited annual coverage, ideal for pet owners who want maximum protection and peace of mind.
- Trupanion Pet Insurance — Pays Veterinarians Directly
- Trupanion is known for its direct-to-vet payment system, meaning you don’t have to wait for reimbursement after care. They cover a wide range of unexpected injuries and illnesses, and offer lifetime per-condition deductibles rather than annual ones—helpful for pets with chronic conditions.
Insurance for your pet can be a lifesaver. We recommend exploring the following pet insurance companies and seeing what kind of policies they offer:
- ASPCA Pet Health Insurance — Best Overall Coverage
- ASPCA offers customizable plans covering accidents, illnesses, exam fees, and behavioral issues. It’s a well-established and trusted option for comprehensive protection.
- Spot Pet Insurance — Great for Multi-Pet Families
- Spot allows flexible coverage for multiple pets under one plan, making it a convenient choice for households with several furry companions.
- MetLife Pet Insurance — Fast Coverage Activation
- MetLife is known for its short accident waiting period—one of the quickest in the industry—providing reliable protection for sudden emergencies.
- Pets Best — Top Pick for Direct Vet Pay
- Pets Best offers low premiums and customizable coverage, plus the option for direct vet payment, which speeds up the claims process and reduces out-of-pocket costs.
- Lemonade Pet Insurance — Best for Cat Owners
- Lemonade stands out for its low monthly premiums and fast, app-based claims process—making it a convenient, modern option for cat owners.
- Embrace Pet Insurance — Unlimited Annual Coverage
- Embrace provides fully customizable plans and offers the option for unlimited annual coverage, ideal for pet owners who want maximum protection and peace of mind.
- Trupanion Pet Insurance — Pays Veterinarians Directly
- Trupanion is known for its direct-to-vet payment system, meaning you don’t have to wait for reimbursement after care. They cover a wide range of unexpected injuries and illnesses, and offer lifetime per-condition deductibles rather than annual ones—helpful for pets with chronic conditions.
What to Consider When Choosing Pet Insurance
Cost:
Average monthly premiums are around $52 for dogs and $28 for cats, but costs vary depending on your pet’s age, breed, and location.
Coverage:
Some plans focus on accidents and illnesses, while others include wellness or preventive care. Be sure to check for coverage of hereditary or congenital conditions.
Annual Limits:
Plans may have yearly payout caps or offer unlimited coverage—choose based on your comfort level and your pet’s needs.
Waiting Periods:
Most policies have waiting periods before coverage begins. MetLife and Lemonade are known for offering shorter or even same-day activation for certain coverage types.
Customization:
Many providers allow you to adjust deductibles, reimbursement rates, and annual limits to balance affordability with protection.
