Payment Options
What financial & payment options do you offer?
We understand that veterinary care is an important investment in your pet’s health, but can come with unexpected expenses. To make care more manageable and help you be able to say yes to the best care for your pet, we offer several financial options so you can choose what works best for you.
What payment options are available to help me budget for my pet’s care?
Thrive Plus (preventive care savings membership)
CareCredit Credit Card (healthcare flexible financing)*
Pet Insurance (third-party providers)
Each option works differently, and many pet owners use more than one.
*Subject to credit approval.
What is Thrive Plus?
Thrive Plus is a preventive care membership designed to help manage routine veterinary costs throughout the year. We offer low monthly payments or an annual pay-in-full option which discounts one month. Membership is a 12-month commitment with a year of savings. Say Yes to the Best, Every Time!
Membership benefits include:
Unlimited Free Exams1
10% Off Services like Diagnostics, Vaccinations, Dental Cleanings, and More2
$5 Basic Nail Trims
Exclusive Member-Only Offers Year-Round
Thrive Plus is focused on ongoing wellness, not emergency or specialty care.
1 Apply to general practice exams only, and hospital fees may apply. 2 See full terms for excluded services. Is Thrive Plus the same as insurance?
No, Thrive Plus is not insurance.
It provides upfront savings on eligible services at participating primary veterinary hospitals.
Can I use Thrive Plus with insurance or CareCredit?
Yes, many pet owners combine options:
Thrive Plus for routine and preventive care
Pet insurance for unexpected illness or injury
CareCredit for larger or unplanned expenses
What is CareCredit?
CareCredit is a healthcare credit card designed to help pay for veterinary expenses over time.3
Key features:
Provides convenient monthly payments and offers no interest if paid in full within 6 or 12 months on qualifying purchases of $200 or more.
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.4
Accepted at all Thrive Pet Healthcare veterinary hospital
CareCredit is a credit card and must be applied for separately.
3 Subject to credit approval. The information herein is for promotional purposes only and Thrive Pet Healthcare and its subsidiaries/partners/facilities are not responsible for credit decisions made by CareCredit. See the CareCredit website linked above for more information on how to get the care you want or need and pay over time.
4 No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts as of 5/30/24: Purchase APR 32.99%. Penalty APR 39.99%. Minimum Interest Charge $2. Existing cardholders: See your credit card agreement terms.
How do I apply for CareCredit?
You can easily apply:
Your veterinary hospital’s webpage has a CareCredit link for ease of application
In-hospital—our team can give you a QR code to scan to apply
Approval is based on credit eligibility and determined by CareCredit.
Do you accept pet insurance?
Yes, we accept most major pet insurance providers.
How pet insurance works:
Depending on your provider, you pay for your visit at the time of service
You submit a claim to your insurance provider
Your provider reimburses you for the amount based on your policy
Some insurance companies can adjudicate your estimate and manage your claim while you are still in the vet hospital, which helps you avoid a large payment while waiting for a claim to clear.
Coverage, reimbursement amounts, and exclusions vary by provider and plan. Do your homework to allow you to decide which plan will work best for you and your pet.
Can you help me choose a pet insurance provider?
While we can explain how insurance works and provide documentation for claims, we cannot recommend a specific provider. We encourage you to compare plans, coverage limits, deductibles, and exclusions to find the best fit for your pet.
Who can I talk to if I have questions?
Talk to anyone on our hospital team—we’re ready to answer your questions and help you better understand your financial support options.
