First-to-market petFSA® gives pet parents immediate access to flexible veterinary care funds while helping practices build a more complete financial strategy around access to care
[GREENVILLE, SOUTH CAROLINA — AUGUST 27, 2026] — PetCentric Health®, an innovator in subscription-based veterinary care plans, today announced the expansion of its proprietary petFSA®, a first-to-market approach that brings the flexibility of a spending account to veterinary care and represents a new generation of practice-based care plans.
Unlike traditional wellness plans built primarily around a predetermined bundle of preventive services, PetCentric Health combines predictable preventive care with flexible funds that can be used when a pet needs additional care. The result is a more clinically flexible model designed around the individual needs of pets, pet parents and veterinary practices.
At the center of the model is the petFSA®, which provides participating pet parents with funds available immediately rather than requiring them to accumulate savings over time. This front-loaded structure can help families address veterinary needs when they occur while maintaining predictable monthly costs.
“Traditional wellness plans were an important first generation of veterinary financial planning, but the needs of pet parents and veterinary practices have evolved,” said Heather Moore, Founder and CEO of PetCentric Health. “PetCentric is the second generation. We believe practices need tools that combine predictability with genuine clinical flexibility. Our petFSA gives pet parents funds they can use when their pet needs care and provides flexibility to both the pet parents and veterinary team that has been missing from traditional wellness or payment plans. The outcome is improved access to care and great pet parent frequency of visits and overall client retention”
Moving From Financial Conversation to Financial Triage
PetCentric believes one of the most important changes facing veterinary medicine is the need for practices to become more proactive in helping pet parents understand how they will pay for care.
Rather than waiting until a pet parent is confronted with an unexpected estimate, PetCentric advocates for upfront financial triage as part of the veterinary-client relationship.
That means helping pet parents understand the financial resources available to them before a crisis occurs.
PetCentric views the emerging veterinary financial stack as having four distinct layers:
Primary care plans: Inclusive of PetCentric Health’s model, provide predictable ongoing costs, encourage routine veterinary engagement and help keep care consolidated within the veterinary practice.
Pet insurance: Helps protect against larger or unexpected eligible medical expenses.
Credit and financing: Provides additional purchasing power when it is needed and is suited ideally for single larger acute events.
Charitable and angel care funds: Can provide a potential safety net for qualifying families when other resources are insufficient as part of commitment to overall improved access to care for unique needs.
“No single solution can solve the access-to-care challenge,” Moore said. The opportunity for veterinary practices is to understand how these tools work together and embrace the education and financial triage upfront, so the first conversation about payment doesn’t happen after a pet is already sick and a family is facing a difficult decision. Pet parents are looking to their vets to offer clear streamlined solutions, not 10 different pamphlets on the front desk that often are reactive in nature to the pet parents’ and pets’ needs”
A More Flexible Alternative to Traditional Wellness
PetCentric’s model is designed to give veterinary practices greater control over the care plans they offer rather than forcing hospitals into a standardized, one-size-fits-all program.
Practices can create custom care plans around their own clinical philosophy, patient population and business needs. PetCentric’s platform then helps administer the plans and provides pet parents with visibility into their benefits and available petFSA® funds.
The approach is designed to address two related challenges facing veterinary medicine: improving access and affordability for pet parents while helping practices strengthen client engagement, treatment acceptance and recurring revenue.
For veterinary teams, the objective is not simply to sell another wellness plan. It is to create a more sustainable infrastructure for access to veterinary care.
For pet parents, it means greater predictability without sacrificing flexibility.
And for pets, it can mean receiving recommended care earlier because more of the financial conversation has been addressed before the moment of need.
Building the Financial Access Layer for Veterinary Medicine
PetCentric believes veterinary practices are entering a period in which financial access will become as important to practice infrastructure as scheduling, payments and practice-management technology.
As veterinary medicine becomes increasingly sophisticated—and the range of available diagnostics, treatments and therapies expands, the ability to recommend excellent medicine must increasingly be paired with practical ways for pet parents to afford that medicine.
“The future of veterinary care isn’t about choosing between wellness plans, insurance or financing,” Moore added. “It is about creating an ecosystem where these solutions work together. We want veterinary teams to be able to practice the medicine they believe is right for the pet while giving pet parents the flexibility, transparency and predictability they need to say yes to that care.”
PetCentric’s best-in-class platform is designed to make that approach easy to implement for veterinary practices while delivering a simple experience for pet parents. Its customizable care plans and proprietary petFSA® are intended to provide one of the industry’s most clinically flexible approaches to subscription-based veterinary care.
About PetCentric Health®
PetCentric Health helps veterinary practices design and administer innovative, subscription-based care plans that improve access to veterinary care while creating predictable, recurring revenue for practices. Its proprietary petFSA® adds flexible spending capability to the traditional care-plan model, helping pet parents prepare for both expected and unexpected veterinary needs.
By combining customized care plans, financial flexibility and a web-based technology platform, PetCentric Health is helping veterinary practices move beyond traditional wellness plans toward a more comprehensive approach to access, affordability and pet-parent engagement.
Media Contact:
Kristen Nicodemus
Marketing Manager
PetCentric Health
knicodemus@petcentrichealth.com