Payment Options
At Panova Animal Hospital, we believe cost should never be a barrier to getting your pet the care they need. We’re transparent about pricing, provide good-faith estimates before treatment, and offer several payment options to help make veterinary care as accessible as possible.
How Payment Works
Payment is due in full at the time services are rendered or upon your pet’s discharge. Before any treatment begins, we’ll provide a clear estimate so you know what to expect. If anything changes during your pet’s visit, we’ll communicate with you before proceeding.
We never want you to feel pressured or caught off guard. If you have questions about costs at any point, just ask—our team is happy to walk you through them.
Accepted Payment Methods
Major Credit Cards
We accept all major credit cards, including Visa, Mastercard, Discover, and American Express.
(Please note that a 3% processing fee may apply to credit card payments.)
Debit & Cash
Save the processing fee! We offer two-tiered pricing for clients who pay by debit card or cash. Choosing either of these methods allows you to avoid the standard 3% credit card processing charge—a simple way to reduce your out-of-pocket cost at no compromise to your pet’s care.
CareCredit
CareCredit is a healthcare credit card designed specifically for medical expenses, including veterinary care. It offers a range of financing options that may allow you to pay for your pet’s treatment over time rather than all at once.
Scratchpay
Scratchpay offers simple, transparent payment plans for veterinary expenses with a quick application process and no hidden fees.
We are not able to accept personal checks at this time.
Good-Faith Estimates
Occasionally, new findings during a diagnostic workup, treatment, or procedure may change the recommended plan or final cost. When that happens, we will discuss those changes with you and obtain your approval before proceeding with additional testing or treatment whenever possible.
Veterinary Payment Options FAQs
When is payment due?
Can I apply for CareCredit or Scratchpay before my appointment?
Yes—and we encourage it if you anticipate a larger expense. Applying in advance means you'll already know your options when you arrive. Visit carecredit.com or scratchpay.com to get started.
What if I can't afford my pet's treatment?
Talk to us. We'll do our best to discuss your options honestly and help you find a path forward. CareCredit and Scratchpay both offer financing that may help bridge the gap. For end-of-life situations specifically, we encourage you to call us directly—we never want cost alone to determine the outcome for a suffering pet.
Do you offer discounts?
We offer a free first exam for pets adopted with a valid shelter voucher, as well as 50% off first-time new patient exams. For other pricing questions, please contact us directly.