Payment Options & Insurance

Paying for Your Pet’s Care

At Oradell Animal Hospital, we aim to be completely transparent about our costs. That’s why, when a member of our team discusses your pet’s care with you, they’ll also discuss the cost of that care before services are performed so you know exactly what’s involved. We also strive to take the stress out of paying for your pet’s care, so we offer a variety of payment options.

Traditional Payment Options

For your convenience, Oradell Animal Hospital accepts the following methods of payment:

  • Cash
  • Check
  • Credit card (Visa, MasterCard, Discover, American Express)
  • Debit card

Flexible Payment Options

CareCredit

  • Healthcare Credit Card
  • 6-month promotional financing may be available on qualifying purchases
  • Credit approval required
  • Reusable credit line for eligible healthcare expenses
  • Promotional financing may be deferred interest
  • No prepayment penalty
Apply here

Cherry

  • Flexible Financing Plans
  • 1–60 month payment plans may be available
  • 0% APR options may be available for qualifying applications
  • No deferred interest
  • Checking eligibility does not affect your credit score
  • No prepayment penalty
Apply here

Scratchpay

  • 3-month plan
  • Interest rates vary by plan and approval
  • Interest Waived options may be available
  • Checking eligibility does not affect your credit score
  • Quick online application
Apply here

When Payment Is Required

Effective September 1, 2026, payment is due in full at the time services are provided, and clients are responsible for submitting claims directly to their insurance provider for reimbursement. The exception is for clients enrolled with Trupanion or Pets Best who qualify for their Direct Pay options. Please see details below to see what qualifies for direct pay.

 

*Please Note: As of October 14, 2026, we are no longer submitting claims to Healthy Paws on behalf of clients. Clients will need to submit their claims directly to the insurance company.*

 

Direct Pay Options:

Pets Best (Hospital Admissions Only)

  • Client is responsible for a deposit- equal to 20% of the high-end estimate.
  • A hospital reimbursement form must be completed and signed before you leave. A separate form is required for each invoice submitted for reimbursement.
  • If you pay your bill in full, you are responsible for submitting the invoice and any required documentation directly to your pet insurance provider.

Trupanion (Hospital Admissions and Outpatient Services)

  • Admissions: Client is responsible for a deposit equal to 10% of the low-end estimate.
  • Outpatient Services: Eligible claims may be processed at checkout.
  • If a Trupanion Direct Pay claim is not approved, payment is due in full at the time services are provided.

 

Pet Health Insurance

Pet insurance can provide peace of mind if your pet needs surgery or other more intensive treatments. Some plans cover routine wellness care, too.

For your convenience, here’s more information about how pet insurance works and a list of pet insurance companies we’re familiar with. Most pet health insurance carriers work on a reimbursement model. Research each company carefully and select the one that works best for you and your family.

Questions?

We encourage you to discuss fees and payment methods before services are performed. Our finance liaisons are available 7 days a week to answer any questions you may have.

Simply call us at 201-262-0010.

You can also explore our FAQ page for quick answers to common pet owner questions.

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