Ways to pay
Financing for a stress-free visit
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
CareCredit
A healthcare credit card for when you don't know the total — like an urgent visit. Pay over time.
Learn moreLower it
SplootPack
Our membership that lowers the bill all year — not financing. Pay the membership itself monthly at 0% with Affirm.
Learn moreCover it
Pet Insurance
An outside policy that reimburses a share of covered costs. We don't sell it — here's how it works.
Learn moreTransparent pricing
Know the cost before we start
Every option below works better when you know the numbers up front — so clear costs come standard at every Sploot visit.
Estimates come first
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.
Pricing is published
Our exam and service prices are public — check them before you book, or anytime you're curious. No mystery math.
Options, in the room
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
CareCredit
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.
- Best when the cost is unpredictable — urgent care, diagnostics, surgery
- Works like a credit card you can use at every Sploot visit
- Promotional 0% periods on qualifying balances (pay within the window to skip interest)
- Apply in minutes and use it the same day
*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
SplootPack
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.
SplootPack Membership
Starting at
Price varies by location
One annual fee. Savings on every visit.
- 3 free exams included
- 10% off all services & products
- 25% off spay & neuter
- 15% off dental cleanings
- Valid at all Sploot locations
Pay As You Go
Standard rates
No annual fee
Exam fee per visit, plus services & products at standard pricing.
- Exam fee charged per visit
- Standard pricing on services
- Full price on products
- No commitment required
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
Spread your membership over time with Affirm
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
- Choose Affirm at checkout
- Pay monthly, no hidden fees
- Checking won't affect your credit
Plan ahead
Pet Insurance
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.
How it works
The reimbursement happens between you and your insurer — Sploot isn't part of the claim.
Pay your Sploot bill
You pay for the visit like any client. We hand you an itemized receipt with everything your insurer needs.
File a claim
Submit that receipt to your insurance provider through their app or website — usually in a few minutes.
Get reimbursed
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
Good to have both
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.
Pet insurance covers
The unexpected — accidents, illness, surgery, and emergencies.
SplootPack covers
The routine — exams, vaccines, dental, and 10% off everything else.
Better together
You can use all three
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
The stuff you're probably wondering.
What if I can't pay the full bill today?
When should I use CareCredit vs SplootPack?
Can I pay for SplootPack monthly?
Do you accept pet insurance?
Should I get SplootPack or pet insurance?
What if I'm not approved for CareCredit?
Does checking CareCredit or Affirm affect my credit?
Not sure which fits? We'll help you decide
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.