Payment Options
Accessible, Flexible, Convenient.
Our Payment Options
At Oak Heart Veterinary Hospital, we’re committed to making your pet’s care as accessible and stress-free as possible. To support a smooth experience, we offer a variety of flexible payment options, so you can focus on your pet’s health while we provide exceptional care with clear, manageable costs.
Accepted Payment Methods
We accept personal checks, we also accept Cash, Debit Cards, and Credit Cards (Visa, Mastercard, Discover, American Express).
Financing Options
We understand that unexpected pet health issues can also bring unexpected expenses. That’s why we accept CareCredit. CareCredit has financing programs that allow you to split payments into manageable monthly installments.
Fast & Easy Application – Apply in minutes at our CareCredit link below and get pre-approved before your visit (you can also apply in-person at our hospital).
Frequently Asked Questions:
Will applying for financing with CareCredit impact my credit score?
Prequalifying for financing offers from CareCredit will not impact your credit score.
What types of loans are offered by CareCredit?
CareCredit offers lines of credit. You can use all the approved credit at once, or as little as you need. As you make payments, the available line of credit increases. Over time, you will be able to use that credit for other services.
What is the difference between deferred interest and “fixed term” loans?
- No Interest if Paid in Full within 6 Months** – On qualifying purchases of $200 or more made with your CareCredit credit card at this location. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required.
We also offer financing with ScratchPay. Please speak with our hospital team for more information on ScratchPay’s policies and plans.
Pet Insurance & Reimbursement
We believe pet parents should have access to flexible options that help make veterinary care easier to plan for and manage. Our team is happy to provide information about available payment options, financing resources, and pet insurance so you can choose what works best for your family.
For pets with insurance coverage, payment is due at the time of service. We will provide an itemized receipt that can be submitted to your insurance provider for reimbursement based on the terms of your policy.
Please contact us with any questions. We are here to help you understand your options and make informed decisions about your pet’s care.
| Feature | Trupanion | Embrace | Healthy Paws | Lemonade |
|---|---|---|---|---|
| Deductible Type | Per-condition (lifetime) | Annual (with "diminishing deductible") | Annual | Annual |
| Deductible Range | $0–$1,000 customizable | ~$100–$1,000 | $100, $250, $500 | ~$100–$750 |
| Premium Style | Industry-based increases | Increases annually (age-based) | Increases annually (age-based) | Increases annually (age-based) |
| Typical Monthly Cost | Higher | Mid-range | Mid-range | Lower |
| Payout Style | Direct vet pay | Reimbursement | Reimbursement | Reimbursement |
| Best For | Chronic conditions | Customization | Simple coverage | Customization |