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Veterinary Specialty Hospital - North County

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Payment Options

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When you visit Veterinary Specialty Hospital- North County, we prepare a detailed estimate for your pet’s care for your review. We understand that these are difficult, personal decisions unique to each family, and we respect that while grappling with a diagnosis and a treatment plan, you are now also grappling with this unexpected new expense.

On the day services are rendered, we will ask you to pay the estimate in full before services are rendered.

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Your options for payment methods include:

  • Cash

  • Personal Checks (accepted via Telecheck, ID required)

  • Credit Card: Master Card, Visa, Discover, American Express

  • Lines of Credit: Wells Fargo, Care Credit

Lines of Credit

If personal credit, cash, and loans from family and friends are unavailable or do not cover the balance, a line of credit can be an alternative. Care Credit and Wells Fargo provide lines of credit specifically for health-related expenses.

The process is much like a credit card application. The financial institution will evaluate your application and approve you for an amount with a predetermined interest rate and payment terms.

Hospitals in the Ethos network are not affiliated with either of these financial institutions. Our team is happy to help you apply for a line of credit with these institutions. We will help you fill out the form if necessary and provide you with copies of receipts, estimates, and anything else you need in order to expedite the process for you, but we are not involved in their decisions around credit terms and amounts.

If you decide that a line of credit is for you, applying for credit before your pet’s scheduled treatment will ease the process on the day you drop him or her off. If you have arrived at one of our hospitals in an emergency situation, we will be happy to assist you in filling out the form and submitting the application if you so desire. Please speak to a member of our client care team.

Care Credit:

Click here to fill out the application form and start the loan approval process ->

Plan types vary but currently include the following:

  • 12 months – deferred interest with regular payments.

    • Any unpaid balance at the end of the 6 month period will be subject to the cumulative deferred interest.

  • Fixed Monthly payments over 24, 36, 48 and 60 months.


Scratchpay provides simple, transparent payment plans for medical financing. Scratchpay isn’t a credit card. Checking your plan option will not affect your credit score. Scratchpay says there are no hidden fees, no prepayment penalty, and no deferred interest.

How it works:

  • Apply online for a payment plan from your phone or desktop

  • Interest free payments plans for 30 days are available on approved credit.

    • Scratchpay will run a soft credit check that will not affect your credit report.

  • Interest-bearing payment plans are also available.

    • Your credit score informs the interest rate you will be offered.

    • Scratchpay will run a full credit check, which may appear on your credit report.

Wells Fargo Health Advantage:

Financing is provided with approved credit by Wells Fargo Financial National Bank.

Plan types vary. Deferred interest promotional plans may be available and are subject to Wells Fargo terms and conditions. Please talk to the client care team member helping you with the application.

Pet Insurance

We accept and will facilitate the submission of any pet insurance company. Please bring your claim form with you to your visit.


There are many options available for pet health insurance that may be of benefit. Check out the top 10 pet health insurance plans as rated by Consumer Advocates.

Funding your pet’s treatment is a concern for many pet owners. Financial constraints may impact the decision you take on how to treat your pet’s condition.

The discounts we provide are listed below. They are offered in appreciation and support of the important role each of the groups below provide to our community, society and country.

Please note: prescriptions, food, and take-home products are not discounted.

  • Military/Police Animal: 25%

  • ADA Certified Service Animal: 20%

    • Pets whose sole function is to provide comfort or emotional support do not qualify as service animals under the ADA and are not eligible for this discount.

  • Rescue Group/Shelter: 15%

    • Certificate of service, 501c3 required.

  • Active Military and Veterans: 10%

    • Proof of service required.

  • Veterinarian’s Animal: 25%

  • Veterinary Support Staff Animal: 15%

  • Veterinary Hospital Purchasing Product: 40%

    • Must be purchased directly by a staff member of the referring hospital.

  • Aquariums/Zoos: 100%

    • Discount for special relationship with aquariums, zoos, safaris, etc.

What is a Service Animal as Defined by the Americans with Disabilities Act:

Service animals are defined as dogs who are individually trained to do work or perform tasks for people with disabilities. Examples of such work or tasks include guiding people who are blind, alerting people who are deaf, pulling a wheelchair, alerting and protecting a person who is having a seizure, reminding a person with mental illness to take prescribed medications, calming a person with Post Traumatic Stress Disorder (PTSD) during an anxiety attack, or performing other duties. Service animals are working animals, not pets. The work or task a dog has been trained to provide must be directly related to the person’s disability. Dogs whose sole function is to provide comfort or emotional support do not qualify as service animals under the ADA.

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