All SASH hospitals are open 24/7 all holiday season


Payment Options

We realise that additional and un-planned costs can be stressful. At SASH we have various finance options available to help you get the care your pet needs and suggest you research the options available prior to your appointment. 

You are required to finalise your account at the time of your consult.

Payment can be made via various payment methods including  VISA, MasterCard, AMEX, Eftpos, Cash, Bank Cheque (but not personal cheques) or direct deposit. If paying via direct deposit, you will need to provide SASH with a transaction receipt via email. 

SASH facility machine image
SASH Doctor with dog owners

Pet Insurance

These days, Pet Insurance covers a wide range of treatments offered by SASH. We recommend researching the various providers to see which policy offers the best cover for your pets. Be aware that some insurers may not cover pre-existing conditions, or animals over a certain age so its best to apply for pet insurance before you need it.

When researching providers and policies, ask questions such as

  • Is the breed of your pet and associated conditions with that breed covered?
  • Does your pet’s age impact the level of cover required?
  • Is there a yearly cap on specific treatments?
  • Is there a yearly cap on treatments for a specific condition?
  • Does the policy cover accidents, routine procedures and specific conditions or illnesses?
  • What are the excess fees?
  • Are there any waiting periods?

GapOnly® payments

We’ve partnered with GapOnly®, which means if you have pet insurance you might be able to claim your benefit at the time of consult, and only pay the remaining balance.

Please note that claims via GapOnly® can only be made within the GapOnly® business hours (see below for times). 

In the last 12 months, ~50% of claims processed at SASH were eligible for GapOnly®  payments.

GapOnly® covers the below pet insurance providers.

If you have pet insurance, please have your provider name and policy number handy when you visit SASH and our friendly Client Services team can advise if your consultation or procedure is eligible for a GapOnly® payment. We can organise this payment while you’re in your consult. 

For an up-to-date list of GapOnly eligible insurance brands, please visit the GapOnly website.

The below FAQ’s are from the GapOnly® website

Great! First we suggest that you check that your vet and pet insurance provider are GapOnly® enabled by visiting If they are, simply let your vet know that you’d like to submit a GapOnly® claim the next time you have an appointment, or better still, at the time of booking your appointment. It’s best to let your vet know that you intend to make a GapOnly® claim as early as possible so they can prepare your claim ahead of time to minimise any possible delays.

GapOnly® is available at participating vets during the following hours:
Monday – Friday 8:00am – 8:00pm
Saturday 8:00am – 5:00pm
(AEST, excluding NSW public holidays)

When GapOnly® isn’t available, your vet may be able to submit an electronic pet insurance claim instead.

An in-clinic GapOnly® claim will take around 10 minutes to process. If we think the claim will take a little longer we’ll let the vet clinic staff know as soon as possible so you can decide whether you’d like to wait, or if available, submit an electronic pet insurance claim instead.

To help speed up this process, please let your vet know as early as possible that you’d like to make a GapOnly® claim, either when you first book the appointment, or when you first arrive at the clinic. This will help us minimise any possible delays

Yes, you can ask your vet to submit a GapOnly® claim on your behalf so you don’t have to wait for your claim to be processed when you pick up your pet. Simply let your vet know when your drop off your pet that you’d like to submit a GapOnly® claim for your pet’s treatment and, if available, they can arrange this for you. If you forgot to let your vet know don’t worry, you can always request an on-the-spot GapOnly® claim in-clinic when you pick up your pet.

If your pet has an upcoming surgery or scheduled hospital visit and you’d like to know whether your pet insurance policy covers the procedure, you can request a pre-approval from your vet. To request a pre-approval, simply ask your vet to arrange one for you when you first book your pet’s appointment. Alternatively, you can ask your vet to request a pre-approval on your behalf after your pet’s consultation, but before treatment. Once the pre-approval process has been completed you’ll hear from your insurance provider in writing to confirm.

GapOnly® works in partnership with participating vets and pet insurance partners (for latest partners visit If your vet and pet insurer is GapOnly® enabled, you can use GapOnly® for all eligible vet invoices covered by your pet insurance policy.

Making an Insurance Claim

If you have insurance, and wish to make a claim after your consultation, please have your provider name and policy number handy and advise our Client Services Team of these details when you arrive for your consult. 

For most providers we can organise the claim to be submitted after your appointment.

If we’re unable to process your claim, we will provide you with the documentation required to process the claim with your provider. 

To process any insurance claims, your account must be paid in full. 

Financial Lending Services

We’re partnered with 3 external credit providers who offer finance options. If you are interested in a financing option, we recommend looking at these options before your consultation at SASH to ensure you can get the coverage you need.

VetPay specialises in financing veterinary care. They provide a 90 day pre-approval, with low interest rates for the term of your contract.

Visit to apply for Vet Pay online, and ensure:

  • You are the primary pet owner
  • You are 18 years old or over
  • You meet their credit requirements
  • You have a good credit history
  • You are an Australian citizen or permanent resident

The below FAQ’s are from the Vet Pay website. Please ensure you have read all information prior to application.

VetPay is a payment plan that lets you pay for your pets treatment over time, you pay your vet an initial deposit, and we direct debit the balance in fortnightly repayments from your nominated bank account.

We charge you an annual fee of $49 and apply an interest rate (APR 18.4%) to the remaining amount after your deposit. These fees and charges are added to your account and included in the fortnightly repayment.

You can calculate your repayment by using our Repayment Calculator found at the bottom of the page.

Yes, once you have established an account with us, additional treatment cost may be added to your account as long as your fortnightly payments have approved and you are within your credit limit. We may ask you questions on affordability and whether your financial position has changed in any way.

We will perform a credit check on you. Any defaults on your credit file may affect your application. We also look at your ability to meet the fortnightly repayments and may ask for copies of payslips and bank statements.

There is also a payment processing fee of $2.50 with each repayment.

Contact VetPay immediately to discuss an alternative payment arrangement either by email at or by phone on 1300 657 984. We will do whatever we can to assist you if you are experiencing any financial hardship.

Afterpay Logo

Afterpay is a popular Australian financing company which offers a “buy now, pay later” service.

Afterpay offers you the option of being able to pay only 25% of the bill at the point of purchase. The remaining 75% can be paid in 3 additional installments over 6 weeks, with no interest.


If your bill is $600, your immediate out-of-pocket expense will be $150. Afterpay will then deduct the remaining $450 as 3 lots of $150 installments from your nominated debit or credit card over the following 6 weeks.

How to get Afterpay

  • You will need an existing debit or credit card
  • Download the Afterpay app
  • Set up an account and get instant approval
  • Initial spending limits start at approximately $600, and increase as you pay on time and use the service more
  • When you’re ready to go, let the SASH Client Services team know you would like to use Afterpay and they can assist you on the spot.

If you are already an Afterpay user, simply let our Client Services team know if you wish to make payment using this service.

This information is accurate at the time of writing, but may change without notice. For more up-to-date information about Afterpay, please visit their website.
SASH Zip Options

You can sign up for Zip Pay or Zip Money via their website and select SASH as the store name. 

Once you have applied, you can download their payment app and use it to settle your account with SASH once your consultation is complete.  We recommend researching these options prior to your appointment.

All you need is:
  • A valid email address and mobile number.
  • Be at least 18 years old.
  • Be an Australian Citizen or Permanent Resident.
  • Have a good credit history.
  • Read more about what you need to apply for Zip Pay and Zip Money.
  • Choose from weekly, fortnightly or monthly payments to suit your lifestyle.
  • Repayments start from $40 a month and are based on your account’s credit limit
How to use Zip:
  • Choose the account that’s right for you.
  • Sign up and get a decision in minutes.
  • Select Zip at reception.
  • Log into your account to set up your a repayment schedule to suit your lifestyle.
  • Reuse your account anywhere you see the Zip logo
Fees & interest:
  • Zip Pay purchases are interest free, always.
  • Zip Money is interest free if you pay off your purchases within the interest free period.
  • Standard interest rate of 19.9% applies after the interest free period.
  • The $6.00 monthly account fee is waived if you pay your balance by the due date.
  • If there’s nothing owing on your account, there’s nothing to pay and no fees.
Returns & refunds:
  • If your refund request meets SASH’s refunds policy, the purchase amount will be credited back to your Zip account.