Finance Options

A visit to the veterinarian after-hours can be emotionally and financially stressful. We understand this and want to work with you to develop the best treatment plan for your pet. Your AES veterinarian will provide an estimate of the costs for treatment and/or hospitalisation. We encourage you to mention any financial concerns so we can help you with one of the following financial options or an alternate treatment plan.

If your pet is hospitalised, you will be asked to sign a consent form confirming the estimate for your pet’s treatment. You will also be required to leave a deposit. If your pet is going home the account will need to be settled in full. We do not offer payment plans but are willing to help you apply for VetPay or Gem Visa Finance.


VetPay is a veterinary care finance company with a network of participating vets throughout Australia including Animal Emergency Service. You can complete a pre-approval application at home or our friendly staff can help you with an application at any AES Hospital.

CLICK HERE to complete a pre-approval application with VetPay. There is no application fee. Allow 1 business day for processing. The pre-approval is valid for 90 days and available for use at any participating veterinary practice. Applications submitted at AES Hospitals take less time for processing.

Approval Criteria

  • You must be the pet’s owner
  • You must be 18 years or over
  • You must be an Australian citizen or permanent resident

What you need to apply

  • Primary identification (drivers licence, proof of age card or passport)
  • Secondary identification (centrelink or pension card, credit card statement, utility bill, bank statement, green medicare card or vehicle registration notice)
  • Bank account and BSB numbers for the account you nominate for repayments
  • Employer’s contact details
  • A 10% deposit for treatment up to $1,500 or 20% for treatment over $1,500 is required prior to your pet’s admission

Gem Visa

Gem Visa is a payment plan able to be used at many retails and service providers around Australia. Gem Visa offers 0% interest on purchases over $250. Please read the Terms & Conditions on the Gem Visa website to ensure you understand the fees and charges.

CLICK HERE to apply for a Gem Visa at home. You will need to present a copy of the approval message showing the approval number and card number when your pet is admitted to Animal Emergency Service.

Approval criteria

  • You must be 18 years or over
  • You must be an Australian citizen or permanent resident.

What you need to apply

  • Photo identification (drivers licence, passport or 18+ card)
  • Details of your income, assets and liabilities
  • Employer’s contact details (unemployed applications on a pension can still apply)

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