06/18/2026
One unexpected emergency can cost hundreds, or even thousands of dollars. While no one likes to think about their pet getting sick or injured, having a plan in place before an emergency happens can make all the difference.
One of the most common questions we receive is about pet insurance and financing options. These are important conversations that often don't happen until a pet owner is facing an unexpected expense. We believe pet owners deserve clear information so they can make informed decisions before they find themselves in a stressful situation.
At Ina Road Animal Hospital, we always strive to be transparent about costs and the options available to help you provide the best care for your pet. As a locally owned, doctor-owned practice, we work hard to keep our prices fair while continuing to provide high-quality veterinary medicine. Veterinary costs have increased across the industry in recent years, which makes planning ahead more important than ever, whether your pet needs routine preventive care, a same-day urgent care appointment, or emergency treatment at a 24-hour veterinary hospital.
> Pet Insurance
Pet insurance can be one of the best ways to prepare for unexpected veterinary expenses.
Most pet insurance plans work similarly. You pay for your pet's care at the time of the visit, then submit your invoice to the insurance company for reimbursement. One of the biggest advantages of pet insurance is that it can typically be used at any licensed veterinary hospital.
The sooner you enroll your pet, the better. Most insurance companies do not cover pre-existing conditions, meaning any illness, injury, symptom, or diagnosis documented before enrollment may be excluded from future coverage. While some companies may offer limited exceptions, coverage is generally most comprehensive when insurance is purchased while your pet is young and healthy.
When comparing plans, we recommend looking for:
• Customizable coverage options that fit your budget and your pet's needs
• High reimbursement rates
• Low deductibles, if possible
• No annual payout limits
• Coverage for accidents, illnesses, emergencies, and specialty care
Over the years, we've worked with many insurance providers and have had positive experiences with companies such as Trupanion, Pumpkin, Pets Best, Spot, and ASPCA Pet Health Insurance. Every pet and family is different, so we encourage pet owners to compare plans carefully and choose the one that best fits their needs.
Pet insurance can provide peace of mind, greater financial flexibility, and access to more treatment options when unexpected medical situations arise.
> Financing Options at Ina Road Animal Hospital
Even with insurance, unexpected veterinary expenses can happen. That's why we offer several financing options to help make your pet's care more accessible.
CareCredit
- A healthcare credit card that can be used for veterinary and human medical expenses. Depending on the provider and purchase amount, promotional financing options may be available.
Scratchpay
- A payment plan option that allows you to spread payments over time. The application process is quick and straightforward, with plans available for a variety of budgets.
Cherry
- Another flexible payment plan option that allows qualified applicants to make monthly payments. Cherry uses a soft credit inquiry during the application process and considers payment history as part of its approval process.
We never want finances to be the reason a pet doesn't receive the care they need. While we know that veterinary expenses can sometimes feel overwhelming, there are more options available today than ever before. Whether it's pet insurance, a financing plan, or simply understanding your options ahead of time, taking a few minutes to prepare now can help reduce stress and provide peace of mind in the future.
If you have questions about pet insurance, financing options, or veterinary costs, our team is always happy to help guide you in the right direction. Because when it comes to your pet's health, being prepared is one of the greatest gifts you can give them.