Payment Options

At Hunter Valley Animal Hospital, we understand that unexpected veterinary expenses can be stressful — especially during a time when families are already facing rising living costs. To help make essential care more accessible, we offer a range of flexible payment options so you can choose what works best for you and your pet.

GapOnly®

GapOnly® allows eligible pet insurance claims to be processed on the spot, so you only pay the “gap” — the amount not covered by your insurer. This reduces upfront costs and makes visits more affordable for insured clients.

Great for: • Reducing out‑of‑pocket expenses • Fast, convenient claims • Avoiding large upfront payments

VetPay

VetPay is a dedicated veterinary finance provider offering structured payment plans for unexpected or urgent veterinary costs. Applications are quick, and approval can often be completed within minutes.

Great for: • Spreading the cost of treatment over time • Managing unplanned expenses • Ensuring pets receive care when they need it most

Afterpay

Afterpay allows you to split your invoice into four interest‑free fortnightly payments. It’s a simple and flexible option for smaller to mid‑range veterinary bills.

Great for: • Interest‑free payments • Quick approval • Straightforward budgeting

Our Commitment to Accessible Care

We believe financial constraints should never prevent an animal from receiving the care they need. By offering multiple payment pathways, we aim to support families, reduce financial stress, and ensure pets can access timely treatment.