Well Pets Veterinary Clinic and After Hours Urgent Care accepts ScratchPay, a third party medical expense provider. ScratchPay provides "mini" loans specific to the Well Pets clinic in the amount of needed services based on diagnosis. Once you're approved ScratchPay pays Well Pets and loan repayment is taken care of via your ScratchPay dashboard. The line of credit via ScratchPay does not affect your credit score and if it is not used, it expires within 7 days. If you end up transferring to another pet care facility that accepts scratchpay, the loan can be transferred.