Payment Options for Your Pet’s Care

At Harvest Pointe Animal Hospital, we understand that unexpected veterinary expenses can feel overwhelming. Your pet’s health and comfort are always our top priority, and we want to make sure financial concerns never stand in the way of the care they need. That’s why we offer several flexible payment options to help you manage costs.

Financing Options

We understand that unexpected veterinary expenses can be stressful. To help make care more accessible, we partner with trusted financing companies that allow you to spread out payments and choose a plan that works for your budget.

iFinance Canada

  • No Credit Card Required: Payment plans don’t require a credit card, making it convenient for many clients.

  • Flexible Terms: Choose from a variety of payment options to fit your budget—whether for routine care or unexpected expenses.

  • Easy Approval: iFinance tends to be more accessible for approval compared to other providers.

Scratchpay

  • Quick Approval: Applications are fast and simple, often approved within minutes.
  • No Hard Credit Check: Applying won’t impact your credit score.
  • No Credit Card Required: Scratchpay offers payment plans without requiring a credit card.

Pet Insurance

Pet insurance can be a great way to plan ahead for your pet’s medical needs. There are many providers for cats and dogs in Canada, and coverage varies, so we encourage you to explore plans that fit your family’s needs. We accept direct billing for Trupanion policies, which means eligible claims can be processed at the time of your visit, reducing out-of-pocket expenses.

Tips for Choosing Pet Insurance:

  • Understand Coverage Types: Policies may cover accidents, illnesses, and sometimes preventive care. Make sure the plan matches your pet’s needs.
  • Pre-Existing Conditions: Most insurance companies do not cover pre-existing conditions. This means any illness or injury noted before your policy starts will likely be excluded.
  • Exclusions and Limitations: Review what is not covered—such as certain breeds, hereditary conditions, or elective procedures.
  • Waiting Periods: Many plans have waiting periods before coverage begins. Know these timelines to avoid surprises.
  • Deductibles and Reimbursement: Check how much you’ll pay upfront and what percentage you’ll be reimbursed. Higher reimbursement often means higher premiums.
  • Annual vs. Lifetime Limits: Some plans cap payouts per year or over your pet’s lifetime. Make sure these limits fit your expectations.

Payment Policy

To keep our services running smoothly and ensure we can provide the best care for your pet, payment is due at the time of service.  We accept cash, debit, Visa, and Mastercard for your convenience. If you need assistance managing costs, please explore the insurance and financing options above or speak with our team—we’re here to help.

We’re Here to Help

If you have questions about managing costs, financing options, or insurance, our team is happy to guide you through the process. Please don’t hesitate to ask—we’re here to support you and your pet every step of the way.

Have more questions about our Payment Policy or Financing Options? 

Contact Us and we would be happy to help with any questions! 

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