Your insurance’s new best friend

Simple payment solution for your pet’s vet care. No surprises or hidden fees.

  • Don’t pay upfront-out-of-pocket for vet bills while you’re waiting for insurance reimbursement
  • Safety net for all things your insurance doesn’t cover
  • Flexible payment plans for up to $10K at any clinic.
Sign Up For Early Access
ASPCA® Pet Health Insurance policyholders are automatically qualified for free.
Picture of woman holding two puppies and picture of a smartphone with the GoFetch app on screen.
How it works

Use GoFetch Pay at any vet clinic

Don’t wait for the unexpected to happen. Get started by signing up now and downloading the app. No fees until you actually use it.

1
Illustration of a medical bill being exchanged between hands.

Get the vet bill

It's time to pay for your pet's vet visit, but don't reach for your wallet.

2
Illustration of a woman with a smartphone on her hand.

Pay with GoFetch

Open the GoFetch Pay app, select a 3- or 6-month payment plan. Generate your virtual Visa card and pay for your vet bill.

3
Illustration of a hand holding a smartphone. On the smartphone's screen an insurance claim is being filed.

File a claim

File your insurance claim and select GoFetch as the reimbursement option.

4
Illustration of a calendar and a coin.

Make monthly payments

Your insurance claim is automatically reconciled. You’re only repaying the remaining balance or what’s not covered by insurance.

Payment Plans

Simple
Flexible
Low-Risk

Choose a 3- or 6-month payment plan for
any vet visit at any clinic in America.

No hidden fees and no credit check required.

Free for 30 days. Simple interest at 9.99% APR after.

What you see is what you pay—never a penny more.

There's no penalty for paying your bill off early.

Exclusive APR RATE
9.99%

ASPCA® Pet Health Insurance customers get a pre-approved APR rate of 9.99%. Compared to 20%~ interest rate on an average credit card.

Scenarios

GoFetch is a safety net

(with or without an insurance claim)

Insurance policies come in all shapes and sizes. We can help with the costs of pre-existing conditions, checkups, dental care, food, medications and more! Even when you're not filing a claim use GoFetch Pay for any vet expense.

Why Insurance May NOT COVER YOU:

You may have wellness services or other procedures that are just not part of your coverage.

how gofetch helps:

You can bring any vet expense, whether covered by insurance or not, into a payment plan

Dental Scenario

Your pet gets a dental cleaning along with some food

Insurance covers $0

Assuming you don’t have wellness coverage

Your payments @ $95/month

For 6 months. Interest free for 30-days and APR 9.99% after.

Why Insurance May NOT COVER YOU:

You may have services or other procedures that are just not part of your coverage.

how gofetch helps:

You can bring any vet expense, whether covered by insurance or not, into a payment plan

Illness Scenario

Your pet gets sick and needs x-rays and treatment at the emergency vet.

Insurance covers $1000

Assuming you have insurance coverage.

Your payments @ $68/month

For 6 months. Interest free for 30-days and APR 9.99% after.

Why Insurance May NOT COVER YOU:

You may have wellness services or other procedures that are just not part of your coverage.

how gofetch helps:

You can bring any vet expense, whether covered by insurance or not, into a payment plan

Accident Scenario

Your pet tears their ACL while playing outside and needs surgery.

Insurance covers $2000

Assuming you have insurance coverage

Your payments @ $340/month

For 6 months. Interest free for 30-days and APR 9.99% after.

*These scenarios assume your insurance pays within 30 days. Learn more
Interest Payments

More transparent than your credit card

We only charge a 9.99% interest rate after the first 30 days. There are no hidden fees. It's simple interest, not compound interest, so you’ll never pay more than you expect.

Button Text
Total Vet Bill Amount (What you pay at the vet)
Insurance Reimbursement
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
3 months
$336.10/month
Interest: $8.30
Total: $1008.30
or
6 months
$170.14/month
Interest: $20.84
Total: $1020.84
Picture of a veterinarian with a labrador puppy.

We're there when you need us

There are times when your policy has exclusions that aren't included in your coverage. We’re a safety net that works with your insurance so you can get the care your pet needs.

Situation
solution
If my pet has a vet visit that’s covered by insurance...
Get the care your pet needs without worrying about the upfront cost. Once your claim is reimbursed you only need to pay the balance in monthly installments.
If my insurance doesn’t cover the vet service...
Get the care your pet needs without having to pay all at once. Split up your bill into 3 or 6-month installments with a low 9.99% APR.
If my claim is late...
GoFetch plans are interest-free for the first 30 days. In addition, 92% of insurance claims are paid within 30 days. (Based on 2021 ASPCA® Pet Health Insurance internal claims data.)
If my claim is denied...
GoFetch payment plans are interest-free for the first month and you can split your bill into 3 or 6-month installments with a low 9.99% APR.

About GoFetch

  • We make pet care friendly, transparent and affordable.
  • We partner with insurance to give better interest rates & financial benefits.
  • Trusted by +6000 pets in North America.
Learn more about GoFetch
Picture of a cat extending a paw. The GoFetch logo is below the cat.

It’s free to get started

ASPCA® Pet Health Insurance customers get exclusive early access to GoFetch Pay.

Sign Up For Early Access

Frequently Asked Questions


For more details click here to visit our Help Center.
How does a GoFetch Pay payment plan work?

GoFetch Pay allows you to pay for your veterinary bill upfront and split the cost into monthly installments. It works just like a credit card, but you get to choose a 3- or 6-month payment plan. There's no credit check required.

How do I apply for and get early access to GoFetch Pay?


GoFetch Pay is in a beta or early access stage, so users are given access in different phases, anywhere from one month or more.

As an ASPCA® Pet Health Insurance policyholder, you're automatically qualified to use GoFetch Pay. There is no cost to sign up.

The first step is to sign up on the GoFetch Pay website and answer a few questions. Then we'll work with ASPCA® Pet Health Insurance to get you set up.

You'll receive an email when it's time to download the GoFetch Pay app.

How do I pay for my veterinary bill using GoFetch Pay?

When it's time to pay your vet bill open the GoFetch Pay app, then select a 3- or 6-month payment plan. Generate a virtual Visa card and use it like a credit card to pay the bill. Even if you're not making a pet insurance claim you can still use GoFetch Pay.

If you're filing an insurance claim, select GoFetch as the reimbursement option. Once your insurance provider reimburses GoFetch, your claim is automatically reconciled. You’re only repaying the remaining balance or the amount that was not covered by your policy. Or you can choose to reimburse yourself and then repay GoFetch.

What veterinary bills and expenses are covered with GoFetch Pay?

If you have an active ASPCA® Pet Health Insurance policy any veterinary services or items (like food and medication) that can be purchased at the veterinary clinic can be charged to GoFetch Pay. And you can even use GoFetch Pay for all your pets, just don't file and insurance claim.