Understanding when to use financing vs insurance for your pet's healthcare
ScratchPay = Pay for care TODAY. Get approved in 30 seconds for immediate treatment.
Pet Insurance = Coverage for FUTURE issues. Pay monthly premiums for protection against unexpected costs down the road.
| Feature | ScratchPay | Pet Insurance |
|---|---|---|
| Purpose | Pay for immediate care over time | Reimbursement for future expenses |
| When Available | ✅ Immediately for any visit | ❌ After 14-30 day waiting period |
| Approval Time | ✅ 30 seconds | ❌ Days to weeks for enrollment |
| Monthly Cost | ✅ Only when you use it | ❌ $30-$100+ every month |
| Pre-existing Conditions | ✅ Covered | ❌ NOT covered |
| Deductibles | ✅ None | ❌ $100-$1,000 per year |
| Upfront Payment | ✅ None - spread over months | ❌ Pay full bill upfront, get reimbursed later |
| Coverage Limits | $200-$25,000 per treatment | $5,000-$20,000 annual limit |
💡 Key Insight: Insurance can be cheaper overall, but you need $3,000 upfront. ScratchPay costs a bit more in total but requires $0 upfront.
Many pet owners use pet insurance for major coverage AND ScratchPay to cover deductibles, co-pays, or services insurance doesn't cover. They work perfectly together!
Don't let cost delay your pet's care. Get approved in 30 seconds with ScratchPay.
✓ 95% approval rate • ✓ No credit impact • ✓ Use immediately