Payment Options

Fees and Payments
Payment is due at the time of service. In order to focus on our patients' needs, customer service and minimizing costs, like all other veterinary practices, we do not have the capacity for a billing system.

We can provide you with an estimated cost of services during your visit. We cannot give an estimate over the phone for non-routine procedures without seeing the pet. This includes dental procedures. We encourage clients to ask about financial treatment planning (estimates) during their pet's examination (average cost $50.00 for a basic non-urgent exam) , and this plan can then be attached to the patient medical record. We offer financing for advanced or routine procedures through Care Credit--a charge card system that performs a soft credit check (doesn't affect your credit score to apply!) and can help build good credit over time. Care credit provides instant approval online and is accepted at most veterinary emergency facilities, and even some human medical facilities where insurance is often not accepted.. We also accept Scratchpay veterinary loan services, and crowdfunding through the AVMA Fund and Waggle campaigns. We cannot provide and do not institute in-house payment plans outside of this.

Online Payments - use Covetrus Pulse and click pet owner login
Pay us online by storing your card of choice in our online system. Call (812) 867-6651 to learn how to provide this convenience for your whole family.

Highland Veterinary Clinic understands this and is able to make some special arrangements through the CareCredit program. It takes just 5 minutes to complete an application and will allow you to break down your payment into 6 monthly installments. You can either apply at our hospital, where we'll call in your application over the phone for immediate approval, or apply yourself online at: www.CareCredit.com.

Highland Veterinary Clinic understands this and is able to make some special arrangements through the CareCredit program. It takes just 5 minutes to complete an application and will allow you to break down your payment into 6 monthly installments. You can either apply at our hospital, where we'll call in your application over the phone for immediate approval, or apply yourself online at: www.CareCredit.com.


Highlights of the CareCredit program:

  • Low Monthly Payments (3% of the Total Balance)
  • Interest Free For 6 Months
  • Determine Approval in a Few Minutes
  • No Annual Fee

Insurance For Your Pets

Another popular option for your family and pet is insurance coverage. To learn more, please visit the following pet insurance websites . . .

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  1. Apply for a Scratch Plan from your phone or desktop--Finding a plan won't affect your credit score
  2. Check your rate and pick your plan--more Scratch Plans are approved with affordable rates
  3. Get the care your pet needs! There is no pre-payment penalty and no deferred interest.


    12 and 24 month Scratch Plans require a $15.00 down payment to obtain financing, which will be refunded if you do not use your plan.

    All payment plans and loans are subject to approval and, with respect to the loan, the rate for which individual borrowers qualify may vary based on individual credit history and other factors.

    *Bi-weekly Plans require a 20% down payment of the total amount financed, with the remaining amount financed split equally among the four remaining payments due every two weeks. Loan amounts range from $35 to $1,000 and 0% APR. Late payments or payments of less than the full amount may result in late fees. For example, a $200 Bi-weekly Plan would require a 20% down payment of $40. Four equal payments of $40 would be due every two weeks thereafter.

    **Scratch Plans are available in 6, 12, 18, and 24 month terms, range in loan amounts from $150 to $10,000, and with annual percentage rates (APR) ranging from 0% to 36% with the lowest rates for borrowers with exceptional credit scores. Monthly payment amounts on a Scratch Plan will depend on the term length, amount financed, and APR. For example, a 12-month Scratch Plan for $10,000 with 5.99% APR would have 12 monthly payments of $860.62 for a total repayment amount of $10,327.44. Signing for a Scratch Plan means the borrower agrees to make all payments in full and on the scheduled due dates. A borrower may incur late fees for partial or late payments that may result in higher interest charges and repayment schedule. 12 and 24 month plans require a $15 down payment due immediately.

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