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Jack, a 13‐year‐old neutered male miniature schnauzer, visited ABC Animal Hospital for his semiannual senior preventive care exam two days ago. At that time, his senior laboratory work was drawn. For the past 10 years, Jack's urine has included some calcium oxalate crystals, but this latest test revealed 4+ crystals and Jack's abdomen had been somewhat tense on palpation. Concerned, the veterinarian calls Jack's owner with the results and recommends an ultrasound, informing her about the cost of the diagnostic test.

Jack's owner expresses concern over the price and asks if ultrasound is necessary. The veterinarian informs her that because Jack is showing other early signs of potential problems, and because urinary tract “stones” are common in the breed, she believes it is important to conduct the ultrasound to make a diagnosis so appropriate treatments can begin, if needed. Since Jack was not covered by pet health insurance, the doctor offered Jack's owner two options to help with upfront costs: a payment plan or third‐party financing.

Jack's owner trusts that her veterinarian is recommending the best diagnostic option, so she applies for third‐party financing, enabling her to make future monthly payments on Jack's veterinary care.

Pet-Specific Care for the Veterinary Team

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