Pet Surgery Financing

When your pet needs surgery, don't let cost delay treatment. From routine procedures to complex operations, Scratchpay makes surgery affordable with flexible payment plans.

Apply for Surgery Financing

Types of Pet Surgery We Finance

From routine procedures to complex operations, Scratchpay covers all surgical needs

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Routine Surgery

Spay/neuter, tumor removal, cyst removal, and other common surgical procedures that improve your pet's health.

$300 - $1,500
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Orthopedic Surgery

ACL repair, fracture repair, hip surgery, and other bone and joint procedures to restore mobility.

$2,000 - $8,000
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Emergency Surgery

Life-saving procedures for accidents, bloat, internal bleeding, and other urgent surgical emergencies.

$1,500 - $10,000+
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Specialty Surgery

Eye surgery, neurological procedures, cardiac surgery, and other specialized operations requiring expertise.

$2,500 - $12,000+
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Soft Tissue Surgery

Abdominal surgery, bladder stone removal, mass removal, and procedures involving internal organs.

$800 - $5,000
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Cancer Surgery

Tumor removal, cancer staging procedures, and reconstructive surgery following cancer treatment.

$1,500 - $8,000

Real Surgery Cost Examples

See how Scratchpay makes expensive surgical procedures affordable

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Rex - German Shepherd

ACL Repair Surgery • 6 years old
Procedure: TPLO (Tibial Plateau Leveling Osteotomy) surgery to repair torn ACL and restore normal leg function
Pre-surgical consultation & X-rays $400
TPLO surgical procedure $4,200
Anesthesia & monitoring $300
Hospitalization (2 days) $600
Physical therapy (8 weeks) $800
Follow-up X-rays & exams $400
Total Surgery Cost $6,700
$279/month
24-month payment plan instead of $6,700 upfront
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Bella - French Bulldog

Emergency Bloat Surgery • 4 years old
Procedure: Emergency gastric dilatation-volvulus (bloat) surgery to untwist stomach and prevent recurrence
Emergency examination & diagnostics $500
Emergency surgery (gastropexy) $3,800
ICU monitoring (3 days) $1,500
IV fluids & medications $600
Follow-up care $300
Total Surgery Cost $6,700
$279/month
24-month payment plan instead of $6,700 upfront
✂️

Luna - Mixed Breed

Mass Removal Surgery • 8 years old
Procedure: Large abdominal mass removal with biopsy and pathology to determine if cancerous
Pre-operative blood work & imaging $600
Surgical mass removal $2,400
Pathology & biopsy $400
Post-operative care $300
Medications & follow-up $250
Total Surgery Cost $3,950
$220/month
18-month payment plan instead of $3,950 upfront

Preparing for Your Pet's Surgery

What to expect before, during, and after your pet's surgical procedure

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Pre-Surgery Consultation

Your vet will explain the procedure, discuss risks and benefits, and provide pre-operative instructions including fasting requirements.

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Pre-Operative Testing

Blood work, X-rays, or other tests ensure your pet is healthy enough for anesthesia and surgery.

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Surgery Day

Your pet will be monitored throughout the procedure with modern anesthesia and surgical equipment for safety.

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Recovery Care

Post-operative monitoring, pain management, and detailed home care instructions for optimal healing.

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Scratchpay Approval

Get approved for surgery financing before the procedure so there are no delays in getting your pet the care they need.

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Follow-Up Support

Post-surgical checkups, suture removal, and ongoing monitoring to ensure complete recovery.

Don't Delay Life-Saving Surgery

When your pet needs surgery, time matters. Get pre-approved for Scratchpay financing so you're ready when surgery is recommended.

Get Pre-Approved Find Surgical Specialists