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How do I apply for a Scratch Plan?

You can apply for a Scratch Plan from any internet-connected device at, with no hard credit checks required. After submitting your 60-second application, you will receive an instant plan decision in most cases.

While you don't have to wait until you're at your veterinarian or medical professional's office to apply, we do recommend contacting them for an estimated cost of care beforehand.

For a smooth application process, read on below: