Payment options, so cost never decides your pet’s care for you.
Four payment plans, each linked straight to its application, plus pet insurance. Apply before your visit and the decision is already made when you walk in.
What we accept
Payment is due at the time of the visit.
Cash or check
Paid at the time of the visit.
Major credit and debit cards
Visa, Mastercard, Discover and American Express.
Payment plans and financing
Cherry, CareCredit, All Pet Card and Scratchpay. Apply below.
Pet insurance
You pay at the visit and your insurer reimburses you.
Want to know the cost before you book? For a treatment plan specific to your pet, email us at hospital@urbanpetvet.net and attach any previous records: it lets us put together a more accurate plan. If you would rather talk it through, call us on (630) 541-8088.
Payment plans and financing
Four in-house options plus pet insurance, and none of them require you to decide at the counter with a stressed pet in your arms.
Cherry payment plans
Apply in about a minute with no hard credit check. Zero percent options depending on what you qualify for, and approvals up to $20,000.
Apply for Cherry (opens the Cherry application in a new window)CareCredit
A healthcare credit line widely used for veterinary care. Apply before your visit so the decision is already made when you walk in.
Apply for CareCredit (opens the CareCredit application in a new window)All Pet Card
A credit line built specifically for veterinary bills, so it is there for this and not competing with the rest of your household spending.
Apply for All Pet Card (opens the All Pet Card application in a new window)Scratchpay
Simple payment plans for veterinary care. Checking your options takes a couple of minutes and does not affect your credit score.
Apply for Scratchpay (opens the Scratchpay application in a new window)Pet insurance
Most plans reimburse you after the visit rather than paying us directly. We give you the itemized invoice and records your insurer needs.
If the number is more than you expected
Say so. It is a normal conversation here, not an awkward one. We will walk you through what is medically urgent now, what can safely wait, and whether a staged plan gets your pet most of the benefit within what you can spend. Nobody gets a lecture.
See how we quote surgery ↓Payment questions owners actually ask
What forms of payment do you accept?
Payment is due at the time of the visit. We take cash, checks, and Visa, Mastercard, Discover and American Express, and we work with Cherry, CareCredit, All Pet Card and Scratchpay if you would rather spread the cost. Pet insurance works by reimbursement: we give you the itemized invoice and records your insurer needs.Do you offer payment plans?
Yes, more than one. Cherry (opens in a new window) runs no hard credit check, takes about a minute to apply for, and has zero percent options depending on what you qualify for. Scratchpay (opens in a new window) lets you check your options without affecting your credit score, and the All Pet Card (opens in a new window) is a credit line built specifically for veterinary bills. CareCredit (opens in a new window) works here too. You can also talk to us at the front desk and we will go through the options honestly, including what is medically urgent now and what can safely wait.Do you take CareCredit?
We do. CareCredit (opens in a new window) is a healthcare credit line that lets you spread treatment costs over time, and it is widely used for veterinary care. You can apply before your visit so the decision is already made when you arrive.Do you take pet insurance?
Most pet insurance works by reimbursement, so you pay at the visit and your insurer pays you back. We will give you the itemized invoice and records your provider needs to process the claim.Does a surgical quote cover everything?
Every surgery is quoted the same way: you get an itemized treatment plan at the consult, before anything is scheduled. It covers the arc of care rather than just the procedure: the diagnostics that confirm it, pre surgical bloodwork, anesthesia and monitoring, the surgery itself, medications to go home with, and the initial follow up recheck. If the plan changes partway through, we stop and talk to you first.What if I genuinely cannot afford the recommended treatment?
Tell us. It is a far more common conversation than people expect, and it is not a judgment. We will lay out what is urgent, what can wait, and whether a staged approach or a different option gets your pet most of the benefit within your budget.
Book, and we will talk costs openly.
You get an itemized treatment plan before we go beyond the exam, and we stop and ask before adding to it.