Payment Options and Pet Insurance in Lubbock, TX
At Hub City Veterinary Clinic, we believe cost should never stand between your pet and the care they need. We offer flexible payment options and encourage every pet owner to plan ahead for unexpected veterinary expenses. If you have questions about payment, financing, or pet insurance, our client service team is always happy to help.
Accepted Payment Methods
We accept debit cards, credit cards (Visa and Mastercard), and cash. All cards must be signed by the owner of the card. Payment is due at the time services are provided. If you have any questions about our payment options, please contact our hospital at (806) 701-5000.
Financing Through Cherry
We offer payment plans through Cherry! There is no hard credit check to apply, and the application takes about 60 seconds on your phone. Cherry makes it easier to move forward with recommended care, such as dental cleanings, surgery, or diagnostics, and pay over time. Click here to apply.
Why Pet Insurance Is Worth Considering
We encourage our clients to look into pet insurance. It is a great way to protect your pet and prepare for unexpected veterinary expenses such as accidents, sudden illness, or chronic conditions. To compare pet insurance providers and learn more about coverage options, visit the North American Pet Health Insurance Association at www.naphia.org.
Pet insurance pays part or all of the cost of veterinary treatment when an insured pet becomes ill or injured. Some policies also include benefits if a pet passes away, is lost, or is stolen. As veterinary medicine increasingly uses advanced diagnostics, surgery, and specialized medications, and as pet owners expect a higher standard of care for their companions, pet insurance has become more popular and more customizable.
Many pet insurance companies now let you choose your own deductible and reimbursement level. This allows you to control your monthly premium and select the level of coverage that best fits your budget and your pet’s needs. Enrolling while your pet is young and healthy often provides the widest coverage, since many plans exclude pre-existing conditions.
Questions to Ask When Comparing Policies
Coverage can vary significantly from one plan to another. When comparing policies, consider:
- Whether congenital and hereditary conditions (such as hip dysplasia, heart defects, cataracts, or diabetes) are covered
- How reimbursement is calculated (based on the actual vet bill, a benefit schedule, or usual and customary rates)
- Whether the deductible applies per incident or annually
- Whether limits or caps apply per incident, per year, by age, or over your pet’s lifetime
- Whether conditions diagnosed in one policy year are treated as pre-existing the next year
- Whether wellness care, such as vaccines and preventive exams, can be added
Frequently Asked Questions About Payments and Pet Insurance
What payment methods does Hub City Veterinary Clinic accept?
We accept cash, debit cards, and Visa and Mastercard credit cards. All cards must be signed by the card owner.
Do you offer payment plans for veterinary care?
Yes. We offer payment plans through Cherry, which has no hard credit check to apply and a quick application you can complete on your phone.
Is payment due at the time of service?
Yes. Payment is due when services are provided. If cost is a concern, ask our team about Cherry financing before your pet’s procedure.
Do you accept pet insurance?
Most pet insurance plans reimburse you directly after you pay for your pet’s care. Our team can provide itemized invoices and records to help you submit your claim.
When is the best time to buy pet insurance?
The best time is while your pet is young and healthy, since most policies do not cover pre-existing conditions diagnosed before enrollment.
Does pet insurance cover routine care?
Many standard policies focus on accidents and illnesses, but some offer optional wellness add-ons that help cover vaccines, exams, and preventive care.
Where can I compare pet insurance companies?
The North American Pet Health Insurance Association at naphia.org offers a helpful tool for finding and comparing pet insurance providers.
