Think of them as a bonded pair.

Together, the CareCredit health, wellness and pet care credit card* and pet health insurance¹ can help you be financially prepared to provide your pet with a lifetime of care.²

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Pair CareCredit with:

Now, the two solutions are seamlessly connected in a first-of-its kind payment experience that is simple, streamlined and friendly. It's great news to pet parents because it gives you a financial solution to help manage cost and payment that's simplified.

Here’s how they work seamlessly together for pet owners who are CareCredit cardholders + currently enrolled in pet insurance plan:

	Step 1: Bring your pet in for treatment to the local veterinary office in the CareCredit network.
	Step 2: Pay with your CareCredit health and wellness credit card.
	Step 3: File an accident or illness claim with pet insurance options like Pumpkin Pets Best, and Embrace. Choose to receive an automatic reimbursement credit directly to your CareCredit card for eligible expenses by choosing CareCredit as their direct deposit payment channel.
	Step 4: Once your claim is processed, you will receive an automatic reimbursement credit to your CareCredit credit card for eligible expenses.³

Find Veterinary Care Locations Near You

Enter your city or zip code in the search bar below to find veterinary care providers near you.

Together, they help you be financially prepared for a lifetime of care.

Flexible financing with the CareCredit health and wellness credit card gives you a budget-friendly way to pay over time for your pet's care at veterinary clinics in the CareCredit network.* You can use it for services, procedures, products and prescriptions your vet recommends to help keep your pet healthy and well.

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When unexpected illnesses or injuries happen, you want to make care decisions based on what's best for your pet, not what it costs. That’s why many pet parents explore pet insurance options. Some plans may reimburse up to 90% of eligible veterinary expenses, which can help you manage unexpected costs and focus on your pet’s care.

FAQs

*Subject to credit approval. See carecredit.com for details.

¹Reimbursement capabilities are only enabled with Pets Best and Pumpkin currently.

²Pet - Lifetime of Care Study, Synchrony, June 2025. www.petlifetimeofcare2025.com.

³Charges not covered by insurance are the responsibility of the accountholder, and purchases with promotional financing must be paid within the promotional. Select CareCredit as your reimbursement method. See your CareCredit Assignment Agreement for details on reimbursement.

CareCredit is a credit product offered by Synchrony Bank. Independence Pet Holdings does not own, administer, or make decisions regarding CareCredit. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Independence Pet Holdings.

Pets Best
Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. For terms and conditions visit: https://www.petsbest.com/policy. Products are underwritten by American Pet Insurance Company (NAIC #12190), or Independence American Insurance Company (NAIC #26581), or MS Transverse Insurance Company (NAIC #21075) and administered by Pets Best Insurance Services, LLC, (NPN #8889658, CA agency #0F37530).

Pumpkin
For terms and conditions, visit: https://www.pumpkin.care/sample-plan/. Products are underwritten by either Independence American Insurance Company (NAIC #26581), or United States Fire Insurance Company (NAIC #21113), and produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749; CA License #6001617). Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Embrace
Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic#0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., (NAIC #0361-23469) including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (NAIC #0361-23469) and American Southern Home Insurance Company (NAIC #0361-41998). Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address. For full terms and conditions, visit https://www.embracepetinsurance.com/coverage/embrace-terms.

Think of them as a bonded pair.

Pair CareCredit with:

Here’s how they work seamlessly together for pet owners who are CareCredit cardholders + currently enrolled in pet insurance plan:

Step 1:

Step 2:

Step 3:

Step 4:

Find Veterinary Care Locations Near You

Together, they help you be financially prepared for a lifetime of care.

FAQs

Company

Company

For Consumers

For Consumers

For Providers

For Providers

Think of them as a bonded pair.

Pair CareCredit with:

Here’s how they work seamlessly together for pet owners who are CareCredit cardholders + currently enrolled in pet insurance plan:

Step 1:

Step 2:

Step 3:

Step 4:

Find Veterinary Care Locations Near You

Together, they help you be financially prepared for a lifetime of care.

FAQs

Why should I have both CareCredit and pet insurance?

If I pay with CareCredit at a vet office in the CareCredit network, will my insurance claim payout automatically go to my CareCredit account if directed to?

Can I use my CareCredit credit card to purchase pet insurance?

Can I use my own veterinarian?