Pet Insurance & Payment Options

Learn more about the payment options we accept below.

Payment Options

Here at PETS Referral Center, we accept many different payment options, including all major Credit cards, Cash, CareCredit, Scratchpay, Trupanion Vet Direct Pay, and other major insurances.

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Credit Cards

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Pet Insurance

Pet Insurance

It goes without saying that we embrace dogs, cats, and other companion animals as full-fledged family members. Many of us scrutinize pet food labels to pick healthy choices, scour the pet supply store for just the right bed and delight in treating them to oodles of toys. Yet, as concerned as we are about their health and well-being, many of us don’t have the finances in place to care for our pet in the event of an emergency of a catastrophic event. That’s where pet insurance comes in. You don’t have to have that awful conversation with your spouse, “Do we pay the mortgage or Fluffy’s surgery?” Many insurance companies have low monthly payments with reasonable deductibles. Some companies can approve claims in a matter of minutes while you’re standing at the front desk of the emergency room with Fluffy waiting in the back. Please note, most animal insurance companies require a waiting period before coverage starts.

A Few Benefits of Pet Health Insurance:

Empowers pet owners to not have to choose between their financial stability and their pet’s life. Relieves pet owners of stress and allows them to focus on the ongoing health of their pet, rather than the costs of their care. Some companies pay for life-long medication that is associated with a covered claim. In an emergency, some deductibles can be supplemented with CareCredit.

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Trupanion Vet Direct Pay

Here at PETS Referral Center, we accept payment directly from Trupanion! We send
Trupanion your bill, and they pay us directly at checkout. This bypasses the need for
reimbursement so that you can focus on getting your pet the care they need

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Flexible Financing with the CareCredit credit card

CareCredit gives you a convenient, flexible way to pay for care for the whole family—including pets! With no interest if paid in full within 6 months on qualifying purchases of $200 or more, you can pay over time with convenient monthly payments.* 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. Applying for CareCredit is fast and easy, and you’ll receive an immediate credit decision. If approved, you can pay for your pet’s care right away, before you even receive your card. And you can use your card again and again, giving you peace of mind that you’ll be able to provide the best recommended care for your pet. You can see if you prequalify with no impact to your credit score.

*No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance 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: Purchase APR (interest rate) is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.



Care first, pay later. Scratchpay provides pet parents with simple transparent payment plans. Scratchpay isn’t a credit card. Checking your plan options will NOT affect your credit score.

Highlights of the Scratchpay Program

  • Instant Approval
  • Plans as low as 0% APR
  • No hidden fees
  • No prepayment penalty
  • No deferred interest