Veterinary Payment Plan Outcomes
93.8% Repaid in Full.
Here's What That Means for Your Practice.
When credit based options are not enough, or are not the right fit, VetBilling lets the practice decide when a payment plan is appropriate and set the terms.
More treatment plans move forward, keeping pets with their families. The practice retains control. VetBilling manages the entire plan through repayment.
Practice-Controlled
What "Results" Means in Veterinary Medicine
In veterinary medicine, payment plan outcomes have two meanings:
a pet got treated, and the practice gained revenue it would not have otherwise seen.
VetBilling is a practice-controlled veterinary payment plan system. The practice sets its own approval criteria, payment terms, and plan parameters. VetBilling manages billing, payment tracking, and repayment management on the practice’s behalf, handling the administrative work that makes payment plans sustainable without adding burden to the team. Veterinary practices across the country use VetBilling to offer structured payment plans without a credit check, without a third-party lender, and without losing control of the client relationship. An independent study analyzing six years of VetBilling payment plan data found that 93.8% of plans are repaid in full.
Working With VetBilling
The Moment Every Veterinary Team Knows
There is a moment in every practice when the medicine is clear and the cost is not.
Some pet owners say yes. Some ask for time. Some leave with a pet that still needs care.
| Without a System | With VetBilling | |
|---|---|---|
| Treatment | Delayed or declined when a client cannot pay in full. | Proceeds on medical grounds. A path exists. |
| The Team | Improvises the financial conversation. No script, no system. | Has a script, a system, and something to offer. |
| The Client | Leaves with shame, not a plan, and may not return. | Leaves with a payment plan and the relationship intact. |
| A/R | The practice absorbs unpredictable losses. | Becomes structured and predictable. |
| The Pet | At risk of economic euthanasia or delayed care. | Receives care. That is the outcome. |
Economic euthanasia: the decision to end a pet’s life because treatment cannot be afforded. It is one of veterinary medicine’s most painful outcomes. VetBilling does not prevent every case. It helps prevent most.
What VetBilling Changes
What Changes, and for Whom
VetBilling does not solve one problem for one audience. It changes something for every person in the room.
For the Pet
Care proceeds on medical grounds, not financial ones.
For the Pet Owner
Hearing there's a way forward is the moment care becomes possible again, with no required credit check and no third party lender.
For the Veterinary Team
The team stops improvising the financial conversation because a system already exists, and staff morale shows it.
For the Veterinary Practice
A practice that can say yes more often is a different practice. The culture changes.
"Thank you, VetBilling, for restoring the joy of practicing veterinary medicine."
– Carrie Bowgren, Lake Road Animal Hospital Practice Manager
Payment Plan Results
Where the 93.8% Comes From
An independent study of six years of VetBilling payment plan data, published in Frontiers in Veterinary Science.
21,225
397
veterinary clinics
93.8%
repaid in full
Source: Frontiers in Veterinary Science. Independent analysis of six years of VetBilling payment plan data.
No required credit check. No third-party lender. The practice set the terms on every plan in that study.
Payment Plan Testimonials
Voices from VetBilling Practices
Veterinarians, team members, and pet owners.
Real VetBilling Outcomes
What VetBilling Payment Plan Results Look Like in Practices
These are not averages. Specific practices, specific challenges, specific outcomes.
Midwest General & Urgent Care Practice · Partnered 2018
Grew revenue from $2.9M to $6.8M over five years, a 135% increase, welcoming 5,832 new clients, 42% of whom chose the practice specifically because of payment plans.
135%
Revenue growth as a result of VetBilling
5,832
New clients because of VetBilling
42%
Chose the practice because it offered payment plans
930+
Euthanasia/surrender prevention
Two-Doctor General Practice
in Rural New England
Eliminated $1,400 a month in routine discounting within nine months of adding VetBilling, without turning away a single client who needed care.
100%
Reduction in monthly discounting
$43,250
Generated through VetBilling
$4 : $1
Generated per dollar preserved from discounting
$54,050
Combined documented financial impact
East End Animal Surgery & Urgent Care
A single doctor emergency and urgent care hospital in Houston that has offered payment plans since the day it opened.
$1.1M
In procedures delivered through VetBilling
1,300+
Payment plans extended since 2022
~50%
Of clients use a payment plan on any given day
~6 mo.
Average payback period
TEAM AND CLIENT IMPACT
What the Numbers Don't Capture
The data above is real. It is also not the whole story. The team member who watched a pet owner’s face change after hearing there was a way forward. That moment does not appear in any report.
The result is not a number on a ledger. The result is that a pet got care. Everything else follows from that.
“There’s never a time where I have that kind of weight on me; economic euthanasia is just not a problem here. I’m euthanizing things that really, really need to be euthanized. Not because of money. Because they have a poor prognosis even with treatment.”
Mackenzie Gallegos, DVM
Owner at East End Animal Surgery and Urgent Care
FREQUENTLY ASKED QUESTIONS
Questions Practices Ask About VetBilling Payment Plan Outcomes
What results do veterinary practices see with VetBilling?
Results vary by practice and how consistently VetBilling is offered, but our case studies have documented measurable increases in revenue and treatment acceptance. One practice increased dental revenue by 30% within six months. Another clinic entirely eliminated out-of-control discounting while continuing to make recommended care more affordable for clients. Across 21,225 VetBilling payment plans included in an independent study, practices achieved repayment rates as high as 95.1%.
Does VetBilling increase treatment acceptance?
Yes, across all types of practice settings, including emergency and specialty care. One standout example comes from a small animal general practice that was struggling to get their clients to schedule necessary dental care for their pets. When they began presenting a VetBilling payment plan with every dental estimate, dental revenue increased 30% within six months, without discounting treatment. Notably, this hospital also offered two third-party financing products in addition to VetBilling.
Can VetBilling help reduce discounting?
One practice reduced runaway discounting to zero within nine months of introducing VetBilling. The practice was able to remain flexible with clients and make care more financially manageable without continually lowering the cost of recommended treatment.
How does having VetBilling as an option affect the veterinary team?
VetBilling gives the team another option when cost barriers threaten to derail recommended care. This can reduce the pressure to negotiate fees, revise treatment plans multiple times, or solve every affordability challenge on the spot using informal, ad hoc payment arrangements. Our partner practices report fewer negative online reviews, reduced moral distress for team members, and even improved staff retention and recruitment.
Is the 93.8% repayment rate real?
Yes. An independent study published in Frontiers in Veterinary Science analyzed 21,225 VetBilling payment plan accounts offered at 397 unique veterinary practices over a six-year period. The analysis showed that practices consistently achieved repayment rates between 93% and 95%.
What happens to accounts receivable when a practice uses VetBilling?
You will show receivables when you offer managed payment plans through VetBilling, but VetBilling actively manages every account to keep balances under control. Our team closely monitors payment activity, provides all customer service support, and intervenes quickly when payment issues arise. This follow-up and account support is key to VetBilling’s consistently high repayment rates. With an average payback period of approximately seven months, most balances are repaid relatively quickly rather than remaining on the books indefinitely. Full payment recovery services and optional credit bureau reporting are included in your partnership agreement with VetBilling, so your team is not managing this process alone. The result is tightly controlled A/R tied to care that might otherwise have been declined, delayed, or turned away.
What results do nonprofit veterinary organizations see with VetBilling?
VetBilling helps nonprofit veterinary clinics and charitable organizations extend the reach of limited donor funds. Some families require a full grant, while others need only a partial grant paired with a manageable payment plan that gives them more time to pay. This “hand up, not a handout” approach allows nonprofits to help more pets, replenish funds through client repayments, and reserve full grants for families facing the greatest hardship. Brown Dog Foundation used VetBilling to administer a grant repayment program for financially stressed applicants and, without conducting credit screening, achieved an overall repayment rate of approximately 86%. An independent study published in Frontiers in Veterinary Science found that nonprofits incorporating managed payment plans into their grant structure could deliver 14.5 times more veterinary care with the same amount of donor funding.
schedule a demo
Let's Explore What Payment Flexibility Could Look Like in Your Practice
They might be longtime clients, dedicated pet owners on fixed incomes, young adults with new pets, or families who have trusted your practice for years. When they need an alternative to third-party financing, you don’t want “we’re out of options” to be where the care conversation stops.
VetBilling gives you the flexibility to deliver more care while protecting your practice’s time, revenue, and relationships.
After you submit the form, we’ll contact you within one business day to schedule a demo. We’ll show you how VetBilling works, answer your questions, and talk through whether what we offer aligns with the way you want to deliver care.