Ways to pay
Good care shouldn't come with sticker shock. We keep costs clear and offer three ways to spread, lower, or cover them — not either/or. They work together, and many pet parents use all three.
Spread it
A healthcare credit card for when you don't know the total — like an urgent visit. Pay over time.
Learn moreLower it
Our membership that lowers the bill all year — not financing. Pay the membership itself monthly at 0% with Affirm.
Learn moreCover it
An outside policy that reimburses a share of covered costs. We don't sell it — here's how it works.
Learn moreTransparent pricing
Every option below works better when you know the numbers up front — so clear costs come standard at every Sploot visit.
Before we run any tests or start any medications, you'll get an estimate of the costs — and your options — so you decide what happens next.
Our exam and service prices are public — check them before you book, or anytime you're curious. No mystery math.
If cost is a barrier, tell your care team during your appointment — they'll walk through payment plans with you and find what fits.
Pay over time
A healthcare credit card built for vet bills. Best for when you don't know the total upfront — an urgent visit, a sudden diagnosis, or anything unexpected. Apply once, then use it like any card.
*Subject to credit approval. Pay the promo balance in full within the promotional period to avoid deferred interest — see carecredit.com for current terms.
Takes about 2 minutes online — or ask our front desk at your visit.
Membership
Not financing — membership. Members save an average of $475 a year on exams, meds, dental, and more. It pays for itself in a single visit.
Starting at
Price varies by location
One annual fee. Savings on every visit.
Standard rates
No annual fee
Exam fee per visit, plus services & products at standard pricing.
How members save on a typical year
Without SplootPack
$825
With SplootPack
$350
You save
$475
Based on an example year: two urgent care visits and one wellness exam.
0% financing · Add-on
Want SplootPack without paying it all at once? Choose Affirm at checkout and split the membership into fixed monthly payments — 0% APR, no fees. Same savings all year, smaller upfront cost.
on your SplootPack membership
$299/yr → about $25/mo
Plan ahead
A monthly policy from an outside provider that pays you back for a share of covered costs. Sploot doesn't sell it — but we make using it easy. Here's the short version.
The reimbursement happens between you and your insurer — Sploot isn't part of the claim.
You pay for the visit like any client. We hand you an itemized receipt with everything your insurer needs.
Submit that receipt to your insurance provider through their app or website — usually in a few minutes.
Your insurer pays you back a share of the covered cost. Sploot isn't involved in the claim or the payout. Most insurers pay out within a couple of weeks.
We're happy to print or email whatever documentation your insurer needs after a visit.
Not one or the other
Pet insurance and SplootPack live together in tandem — they're built for different things. Insurance steps in for the big, unexpected bills. SplootPack lowers the everyday care insurance doesn't cover. Having both means you're covered coming and going.
The unexpected — accidents, illness, surgery, and emergencies.
The routine — exams, vaccines, dental, and 10% off everything else.
Better together
They're built for different things, so they stack — SplootPack for the routine, insurance for the unexpected, CareCredit for the moment a big bill lands. Here's each at a glance.
| CareCredit | SplootPack | Pet Insurance | |
|---|---|---|---|
| What it is | A healthcare credit card | An annual membership | An outside insurance policy |
| Best for | Unexpected costs you can't predict | Routine, ongoing care | Accidents & serious illness later |
| How you pay | Over time, after approval | Once a year (or monthly with Affirm) | Monthly premium, reimbursed after claims |
| What it costs you | $0 interest if paid within the promo window; interest after | From $299/year — or about $25/mo with Affirm | A monthly premium you choose |
| Effect on cost | Spreads it out | Lowers the bill | Pays you back later |
| Works with the others? | Yes — use it alongside both | Yes — stacks with insurance & CareCredit | Yes — pairs with SplootPack |
Pet Parent FAQs
Tell us what your pet needs and your budget, and our team will point you to the right way to pay. No pressure — just help.
Financing options subject to approval by third-party providers.
