For Veterinary Clinics

Accept Every Pet Insurance Policy. Get Paid in Full.

PawPay activates your clients' pet insurance at the point of care. They pay only their deductible & co-insurance. You get paid in full.

Works with every U.S. carrier$0 financial exposure to clinicFull payment, same day

Up to +92%

increase revenue per insured visit

Real-time

coverage recommendations

Up to 60%

lower transaction fees than competitors

financial exposure to your clinic

How it works

As simple as submitting an invoice

Your front desk handles most of it. Four steps from estimate to full payment.

Step 01

📋

Clinic submits the estimate

Your front desk submits the treatment estimate and SOAP notes through PawPay. The client provides their policy information and signs a benefit assignment.

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Step 02

🔍

Coverage is reviewed

PawPay reviews the client's policy in real time — every line item, every carrier. A coverage recommendation is returned in under 15 minutes.

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Step 03

💳

Pet parent pays their share

The client sees exactly what they owe — deductible plus co-insurance — and pays PawPay directly. No surprises. No financing required.

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Step 04

✅

The clinic gets paid

Your clinic receives one consolidated payment for the full treatment amount — same day. PawPay collects from the carrier. You're done.

Why PawPay

Everything your clinic needs. Nothing it doesn't.

📈

+92%

More revenue per insured visit

Pet owners who aren't paying the full bill upfront say yes to the full care plan. PawPay removes the single biggest reason clients decline treatment.

🛡️

Zero financial exposure

Once PawPay pays your clinic, that payment is final. If there's ever a gap between our recommendation and what the carrier pays, PawPay handles it — your clinic is never drawn in.

⚡

Same day

Full payment, same day

Your clinic receives one consolidated payment for the entire treatment at point of care. Choose standard (~5% fee) or instant (~7% fee) processing.

🌐

Any carrier

Works with every carrier

PawPay reviews policy terms from any U.S. pet insurance carrier in real time. Your front desk doesn't need to know which insurer a client uses.

📊

Line-item transparency

Every procedure gets an independent coverage recommendation — approved, denied with a specific policy citation, or flagged. Clients see exactly what they owe before they commit.

🤝

Turn insured clients into loyal patients

Insured pet owners who experience seamless, no-upfront-cost care are more likely to return, refer, and keep their policies active.

Competitive comparison

How PawPay stacks up

Only PawPay activates any carrier's insurance and pays your clinic in full — with the lowest fees.

Feature	PawPay	CareCredit / ScratchPay	Trupanion Express	PumpkinNow	Standard Card
What it is	Insurance activation	Consumer loan	Single-carrier direct pay	Single-carrier direct pay	Payment processing
Works with any carrier?	✓ Yes	—	✗ Trupanion only	✗ Pumpkin only	—
Pays clinic directly?	✓ Yes	✓ Yes	✓ Yes	✗ Pays owner	✓ Yes
Activates insurance?	✓ Yes	✗ No	✓ Yes	✓ Yes	✗ No
Clinic in disputes?	✓ Never	—	Depends	Depends	—
Pet parent out of pocket	Deductible + co-insurance only	Full bill (loan to repay)	Full bill (reimbursed later)	Full bill (reimbursed later)	Full bill

FAQ

The answers your front desk needs

Once PawPay pays your clinic, that payment is final and your clinic is done. Any gap between our coverage recommendation and what the carrier ultimately pays is resolved between PawPay and the pet parent — your practice is never involved.

CareCredit is a loan — the client still owes the full amount plus interest and files their own insurance claim. PawPay activates the insurance benefit directly. The client pays only their deductible and co-insurance. Structurally different.

Yes — PawPay is carrier-agnostic. Unlike Trupanion Express or PumpkinNow, which only work for their own policyholders, PawPay works with every U.S. pet insurance carrier. No per-carrier integrations needed.

PawPay's goal is a real-time decision while your client is still at the clinic. If the AI encounters any delay, licensed staff ensure a decision within 15 minutes. In rare cases, the pet owner is offered the traditional reimbursement path — your clinic is paid regardless.

The client pays PawPay directly for their share (deductible + co-insurance). PawPay then pays your clinic the full treatment amount. You receive one consolidated payment. No split billing, no partial payments to manage.

PawPay uses a patent-pending five-signal scoring system for pre-existing condition evaluation. In ambiguous cases, a licensed adjuster applies your client's specific carrier's policy definitions. The coverage recommendation cites exact policy language — not a generic standard.

Ready to join the revolution in pet health?

No long-term contracts. No integration required. Up and running in minutes.

Real-time pet insurance activation at the point of care. Every U.S. carrier. Same-day payment.