Speaker 1: This is pet Life Radio. Let's talk pets.
Speaker 2: Hello, pet levers, Welcome to Best Bets for Pets. I'm
your show host Michelle Burne. So today we're going to
talk about something that pet parents and potential pet parents
always consider, and if they don't, they should, the cost
of having a pet, especially the care. Sometimes pet parents
are aware of it, sometimes they just don't think. And
my guest today not only has answers to our questions
as to why costs are raising, but also solutions on
what to do. So stay tuned, we'll be right back.
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visit Petlife Radio dot com slash advertised Today, let's.
Speaker 4: Talk Pets on Petlifradio dot com.
Speaker 2: Welcome back everyone. I'd like to welcome Jonathan Wayneberg. He
is the senior vice president and general manager of pet
at Care Credit.
Speaker 5: Welcome Jonathan, thanks for having me, Thanks for having me back.
Speaker 2: Actually, oh yes, thanks for coming back. I've been doing
Best Pets for Pets for fifteen years, so I've done
so many shows. But I know we talked before, and
you know, it's a topic that pet parents always need
to think about, and new pet parents don't always think about,
and even people that have been pet parents for ages
forget about, you know, the cost of pet ownership, especially
when they have a crisis. But let's go to the
beginning here. Can you explain to our listeners what exactly
care Credit is.
Speaker 5: Yeah, care Credit is a is a credit card, and
it is a credit card that helps you manage your
expenses and out of pocket for expenses, whether it be
in the pet space or whether it be in other
areas in the healthcare space, in particular in elective healthcare space.
And what it basically allows you to do is it
allows you to take that expense that you have, whether
it's expected or unexpected, and pay over a larger amount
of time through various deferred interest promotions. That makes your
bill much more manageable bite size, if you will, depending
on how long. And it's something that we have found
has been critical to our cardholders across the United States
in a myriad of industries, but in particular in the
pet space because, as Michelle you mentioned quite truly, that
costs our big issue, especially because we want to give
so much great care to our pet family members, and
care Credit is an invaluable tool to help get that
access to care in a budget friendly way.
Speaker 2: Okay, and we'll talk more about care Credit at the
end of our show. Let me ask this now, though,
what makes care Credit different than other credit cards? Just
a couple of features because we will talk more near
about care Credit near the end of the show. But
it's a credit card, So what is it different than
maybe using another one of my credit cards?
Speaker 5: Yeah, so there's several unique differences. Is that you know,
we're accepted in the vet space in about over twenty
seven thousand of that providers. And what makes that care
credit card unique is that you could put it on
a longer promotional period. So whereas you're on a normal
credit card, you're going to start having to pay your
bill right away after thirty days. Well, care Credit gives
you that flexibility to pay it over different time periods,
so it could be over six months, twelve months, eighteen months,
two years, which which you can do without incurring interest
so long as you're making that minimum payment. So it
really makes it into a byte size promotional finance and
lets you pay for that over the time of what
is approachable for someone as a large bill. And we
do that in partnership with vet practices across the United States.
And because of that, especially in this environment, not having
to pay interest if you're making those payments is real
difference maker. We're also able to underwrite deeper because we
know that that card is going to be used in
a defined network as opposed to know a general purpose
card where you can use it anywhere outside. And so
care Credit is able to extend credit to a population
which might have a harder time getting a MasterCard or
visa of American Express.
Speaker 2: That's another great consideration. All right, thank you. I've seen
it in many places and in every VET office I
think that I've ever used. Let's talk about now about
pet ownership and why the true cost of pet ownership
is rising. What do you think One of the most
significant misconceptions of pet costs are that people are don't
take into consideration when they're adopting.
Speaker 5: Well at the beginning of life and bringing a pet
in the family, the startup costs can be not insignificant. Right,
So before you even get into, you know, some of
the surprise health issues that you might have, you just
have the stuff that come at first, Right, your first
set visits all the vaccinations and oculations, everything that goes
with that, but also getting your house ready for a
pet and making sure that you know you're excited about
it brings bringing another member of your family into your house, right,
So getting whether it's a crate or the bed or
the bull, and the food and and everything, the callers,
everything that goes with that, and you want to you know,
most cases have the best foregun. So right at the
time when you decide to bring that pet into your
family and into your home right away, you're you're incurring
quite a bit of expense. And that's even before you
factor of the cost of the of the pet itself, right,
And so there's there's a lot of you know, for
lack of a better term startup costs when it comes
to bringing a pet in to your home.
Speaker 2: You know what, that's exactly what I was thinking of.
I thought maybe my head's gone a little too business.
But you know, the startup costs of pet ownership can
be significant because you have to obtain so many different
items as you mentioned.
Speaker 5: Oh and it's an exciting time, and so you want
to get like the new cool tricks, like the caller
that teld you what they're exercising, your notub or a
GPS thing depending on the animal or if it's a cat,
you want to have the you know, some people be
you know, the robot litter box, right, and all that
stuff tends to add up. So it's it's an exciting
time and we could understandably get you know, very excited
and you know, perhaps out of control or very aspirational
if some of the purchases were making.
Speaker 2: Right and especially with the technology, I mean, a callers
used to be what ten fifteen twenty bucks. Now you
can get a collar for up to three hundred, four hundred,
five hundred, you know, if you were kind of a
super caller. Let's talk about some of the hidden costs
that pet parents don't think about beside the obvious, which
is generally food and treats and maybe the annual that visit.
What are some of the things that pet parents just
don't think about that you know, that come into surprise.
Speaker 5: Yeah, so I think before you know, we'll get into
the healthcare things in a second. I think other things
which conus a surprise is you know, boarding, you know,
and and and grooming, right, grooming depending on on the
pet you have. We're talking certainly about about dogs, right yep,
and stuff like that which can add up. And you know,
in some cases, depending on the coat, you should be
going monthly, you know, others maybe not quite as often,
but that that is becoming more expensive as people are
returning to the office at a much higher pace and
than we used to do, right, you know, A big
consideration for pet parents is, you know, the mental health
of your pet and being left home alone, right is
not easy on those on those on those family members
that are used to us being at all for a
lot of the time and and and thrive off of
our attention and and our compassion and companionship just as
we do from theirs. And so having them have activity
and being able to you know, go on walks and
play with other dogs and so on. That's certainly, you know,
when you think about just general well being, those are
some expenses that you know, I think people need to consider.
Then you start getting into, you know, somebody unexpected healthcare costs,
And the fact is is that just like humans, you know,
things surprises, right. You know, we get sick. They get sick, right.
And the difference a little bit is when we get
sick we can kind of explain it to ourselves better.
We can talk to someone that we know or we've
had it before. You know, we to this day, we
still don't speak pet. As much as AI has has advanced,
we still don't speak pets. So if I'm looking at
my dog here in the corner, Maddie, she's not feeling well,
She's not able to tell me. And so you know,
chances are you got to go see someone about that.
And so you see a lot of you know, unexpected
visits that pop up, which are expensive. And then you
know the report that we that we commission show that
you know, four out of five pets in the right
time will have an unexpected emergency. And so you know,
I always say you should always you know, prepare for
the unexpected, which is or expect the unexpected, which you
know is a little bit of an oxymoron, but but
still it's something that you have to do if you
want to be responsible pet parent.
Speaker 2: I absolutely agree. Do you think that the advancements that
we've seen in veterinary medicine, you know, and technology and
also the pet wellness trends have had a significant influence
on price increases for the you know, the average pet parent,
like for example, fresh food versus you know, your standard
wet food, wet and dry food combos. You know, certain
wellness trends like supplements versus one I don't know, twenty
years ago, they were unheard of special dots.
Speaker 5: Yeah, I think there's a lot of things happening. I
think I think if we look back and we say, okay,
macro wise or just you know, how how the world
views the pet as a member of family has number
one elevator did a lot in the last you know,
fifteen twenty years. So right away you're you're seeing people
wanting to spend more on their pet, right which which
drives a higher cost. And some of those products you
talk about, right like the fresh food and other things
that that people are seeking out as alternatives to some
of the traditional foods that have been in the system
for a while, right, I think I think that's one
part of it. I think another part of it is
just general inflation, right, I think I think, you know,
the vendustry has not been immune to that. But the
third part I would point out is the care that
we're getting is is so much better. There's been so
many advances in medical treatment and you know, care for
our pets now with outcomes being greater as well. And
so with that, you see a higher cost because of
the investment that that are making in their training, that
pharmaceutic companies are doing for their for their for their
you know, cutting edge treatments. When you think about you know,
some of the injectable now that are on the market
and only having to bring that dog in maybe once
or twice or quarterly as opposed to having to do
something monthly. That's that's that's game changing. And yeah, that
that's as a result, we're seeing you know a large
part of higher costs because of that. But I view
a higher cost part of it as Yes, there's obviously
the the negative parts of it, where you know, to
some extent. You know, there are people that are being
priced out of the market and unable to you know,
manage our expenses as well as as they can. But
we are seeing pets living longer and having you know,
happier and healthier lives and their families, and and to that,
it's it's it's it's great to see.
Speaker 2: I absolutely agree. Okay, let's talk about budgeting. We're going
to talk about how to budget for both routine and
emergency care. What would be your advice for building a
realistic pet care budget that includes you know, day to
day expenses as well as potential emergencies and when I
mean data day. You know, there are some things that
really surprise new pet parents. For example, dental visits. It's
not like when you and I go to the dentist
and they do a dental cleaning. It's not just a
dental cleaning. Your pet has to be put under and
that requires blood work. So a dental cleaning for us
two leggers that could be even if you paid out
of pocket, But two hundred two fifty with just a
cleaning for your pet blood work, so we're looking at
what four to six hundred. Then you have the dental
So we're looking at almost maybe twelve fifteen hundred for
just that's just regular and an annual basis, because that's
what you need to do for a good dental care.
How do we build a budget for this, for these
regular routine care for our pet plus as you said,
four to five pet parents will have an emergency at
some time, how do we build a budget for those emergencies?
Speaker 5: Yeah, first of all, I want to agree dental care
is a very under estimated expense and and such a
necessary treatment that that pets get. You know, that that
dogs and cats need because you know, they do just
about everything with their mouth for raiding their teeth, and
it's so important for them to have a healthy oral
health right and and and strong oilal health for them
to be able to be you know, with a long
like and with a with a happy life. And so
you know, I would say the first shot bill action
that I got was when Maddie had to have Maddie's
my now fifteen year old miniature budle, but when she
had to have her cheat crean, and then you add
on top on top that she had to have some
extractions and that costs even more so it is. It
is a it is a shock to a system, but
a very necessary cost. So going back to the first question,
how do you budget for the you know, the normal
day to day stuff, and then how do you how
do you then layer in some of the budgeting for
some of the more unexpected stuff or if not, budgeting
tools that you can use. So I would say the
first thing is is is do your research right. Understand
you know, the cost of care in your in your
area and for your breed, and what as is is
the right kind of you know, spectrum of care, what's
your what what what is right for how you know
your family works, What might be right for you know,
me and my family might not be right. In the
way that you think about the healthcare that you want
to give your pet. There's always some level that you
want to give. Some people might want to be more holistic,
some people might want to be more traditional, et cetera.
But fact you're bad in understand your breed, Understand what
kind of lifestyle you have or someone who travels a
lot that's going to need a lot of boarding and
things like that. So get that first out of a way,
and then kind of really have a sit down with
with with with with your vet to explain and understand
what kind of treatments you can expect for that breed
and for your lifestyle and together and use that, I
would say first as your baseline. There's an incredible amount
of tools out there, we have them on care credit
dot Com as well about what you can expect to
pay based on certain breeds and certain procedures and treatments
that are needed. So i'd start with that as your baseline.
Then a little bit more about you know, okay, if
I'm getting a lab or or I'll use Maddie as
as an example because she's she's she's right here in
front of me. She's a miniature poodle. Well, cushings is
not uncommon in a miniature poodle, So is that something
that you should be prepared for? But coming around, you know,
when you become a little bit older eight nine years,
that's something that you might have to be treated for
and kind of understand, you know, the long range of it,
and to semipstent Michelle, as you know, like the costs
aren't going to be smooth over the years, so you're
gonna have You're gonna have peaks and valleys on this
right and just understanding. Okay, well when do when do
when do pets generally start to see a little bit knee,
you know, more knee for sick visits as opposed to
the general wellness visits, and and plan like that and
and you know, some of the tools I would suggest are,
you know, beyond just your your basic budgeting. You can
you can have the pet savings accounts, the saving company
up dedicated just in saving money because you know, but
at some point there is going to be an unexpected cost.
We talked about care credit, and I think that's a
great a great tool for the expected and unexpected expenses
and something that you know, allows the cardholder to pay
over time, but also provides an access to care which
some might not be able to have without it. And
then pet insurance is also a uh is also is
also a great tool to have.
Speaker 2: Now, I mean interrupt you for one minute. We're going
to get back to that, but we'll be right back
after this rite.
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Speaker 2: Welcome back everyone, we're talking to Jonathan Wayneberg, and he
is the senior VP and General manager of pet at
care Credit. A lot of great information regarding how to
budget for your pet or pet to be and things
to look out for and check out. Right before the break,
you had mentioned that there is a tool on care
Credit that pet parents can use based on their pets
breed and age. What I like about this too, since
it's breeded it us generally encompass his size because as
you were mentioning you have a miniature poodle, you said, correct, yes,
so little dogs because I used to he's in dog
you heaven now, But how to hobbies and little dogs.
One of the other things that little dogs are proponed
to is his mouth problems and dental extractions are pretty
common in smaller dogs. I think Nikki wants had to
have like five teeth polled. It's just common different breeds.
Some have respiration issues. So that's a great tool. How
can people find that?
Speaker 5: If you go to carecredit dot com and then you
kind of link down and hit somebody veterinary, you'll see
there's a drop down in veterinary, and then you could
navigate the site and you'll see a lot of information
there about you know, procedure data, costs, et cetera.
Speaker 2: Okay, and right before the break, we were trying starting
to get into this question, but you mentioned pet insurance.
So what role does care credit play along with options
like such as pet insurance in managing these unexpected expenses
or you know, large expected expenses.
Speaker 5: Yeah, our view is a multitude of products, you know,
can create a good safety net to provide that optimal
care for your pet and an optimal you know, predictability
and support for a budget. Care Credit used to own
pets Beast, which is one of the largest petentures in
the United States, and and we we sold it about
eighteen months ago, but we continue to invest as as
part of it with a company called Independent Pet Holdings,
and they own quite a few brands in the pet
insurance space, so not just pets Best, but also Embraced
Pet Insurance, Spot, Pet Insurance asp C, A A k C,
and Pumpkin And so you know, we're very much invested
in the pet insurance space because we know that together
between insurance and care credit, if you have both of
those solutions, you're really put in a great position to
to get that optimal care for your pet and also
the predictability and the be free of mind that that
your that your that your pet is is going to
be cared for. And you know, we we actually just
launched something with Pumpkin just a few weeks ago, but
we already had existing with Pets Best that integrates a
little bit about the experience. And so if you go
to the vet, because the way that pet insurance works
now is on a reimbursement model, right, And so you
go to the pet, you pay a bill and then
you then you fire a claim after and your insurance
will pay you off. But not a lot of people
have many people do not have the money to pay
for that bet bill at the initial time. And so
what care Credit has partnered with Pet's Best and and
Pumpkin is if you put the bill, if you pay
for your your vet bill on your care Credit card UH,
and then file your claim, your claim UH once it
gets settled and and decisioned on, will pay off your
care Credit bill so that you don't so that it
pays off your promotion and removes that one step and
you don't and you don't occur any interest by having
it go directly and paying off that bill if it
satisfies the entire amount. So something just to make the
pet parents life easier in such a in such a
busy world. And just an example some of the technology
that we're partnering with in the industry to provide more
tools and smarter tools for pet parents.
Speaker 2: Okay, thank you. Let me ask you. With pet insurance,
there's different schools of that. Some people love it, there's
a little bit more that say, well, I don't know,
you know, pay this out when I get a bill
and this isn't covered, that is uncovered. It's gotten better
over the years. I still think it has a ways
to go. I like the fact that with what you
just mentioned, if the bill is paid for on care credit,
when it's reimbursed, it goes off the bill. It might
also kind of expedite the whole process. But do you
see improvements as much as there has been improvements in
other areas of the pet industry.
Speaker 5: So I think fact yes, I do think pet insurance
is going to continue to play a role in the
US pet industry ecosystem, and I think the role is
going to become more important. But at this point, it's
only four percent of pets in the US are insured,
right and so it's still a small number. And why
Synchrony is invested in this space is that I do
I do know that there's an incredible amount of investment
in technology to make that experience better, for there to
be more transparency at the time of treatment about what
is covered and what isn't right. And I think that's uh,
you know, the beauty of uh to someone said the
world that we're living in with with artificial intelligence and
some of the real time tools that can help do that,
and I think that's going to continue to play a role.
But I think going back to your your question show
is you know, pet insurance started off with not a
great launch in the US, and I think some people
are still a little bit you know, suspicious if you will,
of how it works. I think the industry has done
a good job as of late to become more not
just more transparent, but also giving you do as the
pet parent, the ability to customize your plan more for
what you need. So what is the right deductible, what
is the right co insurance? How much do you actually
need to be insured? Because in the past, you know,
and and a little bit what we talked about in
the beginning, it is called we want to make sure
our petcat's the best policy possible and have everything you
know there and and and and the best and and
the truth is that that the best isn't necessary the
best for everyone. It's it's well, what works for you,
and so how do you how do you customize it
so that it makes sense for what you need? Right
that if you if you're only worried about accidents, well,
then only get an accident policy. If you're more worried
about just illness in general, get a more traditional policy.
And then you also have the ability to get one
that has wellness plans and there and for someone who
is going to be a little bit more you know,
kind of uh involved in their in their pets health
and and and want to have that as as as
a tool that no matter what happens, I could get
my couple visits a year covered. So it really is
different depending on on the pet parent and and what's
right for that.
Speaker 2: Okay, thank you. We talked about this a little bit
in the beginning of our show, but let's talk about
it again. How can programs like care credit how pet
owners handle large or surprising beat beells responsibly? So I
think it's definitely worth going over and maybe a little
more detail. We have a couple of minutes. How can
that happen? And care Credit they can apply for They
could do that right at the vet office as well.
Speaker 5: Yeah, so you can apply for care credit if you
go to care credit dot com and you know, if
you link down and hit the vetinary link and you
can apply for it there, or you can apply for
it at a vetinary. Bet BET partners with care Credit,
which I told you is about, you know, almost twenty
eight thousand practices about eighty five percent of the vets
in the United States. So most places have it, and
you could apply for it either before or when you
get to practice, just by you know, skying the QR coding,
going through the approval process. And to answer your first
question on how how does it help, well, it helps
in a few ways. I think the way that I
really value my care credit card and I'd used it
and talking about Maddie who has got cushings on a
Mitrobolt deficiency, is it's it's their free it's a revolving
line of credit. It's a credit card. It's not a
one and done loan, right, and so it's something that
you're going to have. That is a you know, is
a is a credit lind that that you can use
and reuse as opposed to some of the loan products
that we see out there. And that's particularly important in
the vet space because chances are, you know, you either
have multiple pets that can use that same card or
your pet's gonna go to the vet one two, three
times a year. It's very rare, but you know, someone
just brings their pet wants to the vet. It also
works in some boarding and grooming locations as well, so
there's increased utility for that. But basically what it's a
core product that that that we use is you know,
a deferred interest promotion and that basically means you get
a bill and I'll get We'll try to make a
simple example, but you go to that and you know
something's wrong and they need it, and you get twelve
a bill for twelve hundred dollars. Well, you may not
have that twelve dollars right away, twelve hundred dollars excuse meson,
not twelve dollars, that's twelve hundred dollars right away, And
so how do you feel about paying for it? Well,
you could put it, like you said, maybe on a
normal credit card, or maybe you can write a check,
or you can you can ask friends or something like that.
But if you have the Care credit card or apply
for the Care credit card at that time and get approved,
you can put it on a on a promotion, which
let's say you're you're able to put it on a
twelve month promotion. At that point, it'll it'll, it'll, it'll,
it'll take the monthly payment over twelve months, and so
you'll only owe one hundred dollars a month, which is
a lot more manageable than twelve hundred dollars right away.
And as long as you're making that month flee payment
throughout the throughout the time, there's no interest, so you're
you're benefiting from no interest and you're just paying the
true amount of what that BET bill is. And that's
a great flexible tool to really help you care for
your pad. And it's not just limited to one expense.
You can you know, let's say you have this twelve
undred dollar bill and then you know, you go back
and you have a follow up appointment and everything back
hopefully is going well, but you have another six hundred
dollars bill that you know, as a result of it,
you could put that also on a on a six
month promotion, say and and and have multiple things going.
So it's really giving you that peace of mind that
you have that card in case something happens or at
the last minute if you don't have it, being able
to apply for it, and then being able to afford
it and pay over time.
Speaker 2: Okay, thank you. That is a great explanation. Quick question
as far as the monthly determined program, would that be
based on someone's credit perhaps or the amount.
Speaker 5: Your approval will be based on on your credit so
you know it'll be a soft credit check. It won't
be a hard credit check at first, so when you
apply for care credit, it'll be a soft credit check
so it won't impact your your credit scores. Then if
you get approved, there's usually a place where you put
in what your requested amount is and then depending on
you know, the the underwriting of a system, it'll it'll
it'll give you, you know, hopefully the amount that you requested,
perhaps even more, and that's that's based on your credit correct.
Speaker 2: Okay, wonderful, Jonathan, thank you. This has been so informative
and I think it's going to be helpful for many
many of our pet parent listeners. Where again can people
find out more about care credit.
Speaker 5: Care credit dot Com is the best place to do that,
and go to the pet health or veterinary health kind
of drop down and you can learn more. And then
there's all those other tools that we talked about education
podcasts that we have, you know, vets that can also
give advice on budgeting and techniques. And then the last
thing I would say is it's also at your so
you can apply at the vet. If you don't have
the cart before you just asked them about it. They'll
probably give you a QR code to scan. You can
apply there. But either one of those places is a
great price to learn more.
Speaker 2: Okay, wonderful. Thank you again so much for coming on
Best Bets for Pets.
Speaker 5: Always a pleasure. Thank you for doing what you're doing.
Speaker 2: I hope everyone enjoyed this show. I sure did you know.
It's so important to take great care of our pets,
but those unexpected bills can be a surprise. I've used
care credit in the past. It is a great tool.
I want to thank my guests today. Jonathan Waymnberg. He
is in the Pet division of care credit. Thank you
so much Jonathan for coming on Best Bets for Pets.
Thanks to my pet crew who they taught me what
care credit was. It was a big bet though with
mister Dennis many many many many years ago, but oh
so worth it. So thank you Dennis, Charlotte and Molly.
Thank you to everyone listening to Best Bets for Pets.
I appreciate it so much much. I hope this helps
you in budgeting in financial care for your pets. And
of course the show would not be the same without
my wonderful producer, Mark Winter. Thank you so much, Mark
for all you do to make our shows sound amazing.
And hey, keep listening because you never know what love next.
Non Best Bets for Pets
Speaker 4: Let's Talk Pets every week on demand only on Petlifradio
dot com.