We give you the best way to save and pay for veterinarian care

For people that don't own a pet, they just don't get how important a pet is for well-being. They are loyal, faithful, cheerful and loving. The health and wellness of your pet is high priority and not trivial.

Alternative to pet insurance

VSPRY offers you an easy way to save and invest for future health and wellness expenditure - including for your furry friends. Just like a savings account, you deposit a regular amount and earn income on your VSPRY account, whilst you sleep safe knowing that VSPRY gives you the confidence and discipline to only spend your savings on veterinarian care, health and wellness services.

You can use the VSPRY app to track your savings, and also pay a veterinarian or practitioner, all from the comfort of your smartphone. There are no PINs to remember, and no plastic cards to clog up your wallet.

You don't need to make a long-term commitment, so if you want to close your account, just give us 30 days notice and your savings are returned to you without any fees or charges.

Freedom of choice

You get to decide where to spend your Health Saver funds. Spend on common procedures such as visits to the vet, dentist, chiropractor, physio or optometrist. But you are best placed to decide what wellness means to you and your furry friend(s), so spend on pet grooming, puppy school, at the gym, at a sporting club, with a naturopath or any other practitioner that in your opinion assists you and your furry friend(s) to live well.

Save and spend using the VSPRY app:

  • See your balance at any time
  • Search for transactions
  • Find a practitioner
  • Book with a practitioner
  • Pay a practitioner or ask us for a reimbursment
  • Add a household member
  • Use PayLater
  • Get a quote for and purchase nib Hospital Cover

It's a self-health and pet plan, but it's not insurance

Let's be really clear - you can only spend what you have saved in your Health Saver. If you incur a vet bill and you don't have enough savings in your Health Saver, you will need to fund the difference from another source. However, the best part of this is that you are not funding someone else's vet bills, and you will only pay for what you use. Now you can have a health and petcare plan that covers services that you want.

Manage surprise vet bills with PayLater

We help to manage surprise vet bills. Subject to making application and VSPRY approving your application, split the cost into equal instalments over an agreed number of fortnights or months, and smooth out the kinks in your budget.

PayLater is interest-free and fee-free, with no late fees. We want you to pay on time, but we don’t penalise you when you don’t. Depending upon how late you pay, the consequences of continued late payment will merely be your credit limit with us. We rely on your good nature to pay us back.

Choose your frequency and choose the number of instalments.

©2019-2020 Vspry Australia Limited ABN 41 631 026 330.


Products and services shown on this website are currently not available for sale until such time as various regulatory and licensing approvals have been granted. The information on this website is general in nature and doesn't consider your personal circumstances, so please take the time to make sure that a product or service is right for you.


Products and services are issued by different companies. Saving/investment products are issued by Kinsmen Securities Limited ABN 50 100 139 820 AFSL 222650. Hospital cover products are issued by nib health funds limited ABN 83 000 124 381. PayLater products are issued by Vspry Money Pty Limited ABN 88 638 831 857. Merchant products are issued by Vspry Australia Limited ABN 41 631 026 330. Reward products are issued by Vspry Rewards Pty Limited ABN 88 638 677 595.


Always read the relevant Product Disclosure Statement, our General Terms, and any product-specific Terms.


VSPRY® is a registered trademark of Vspry International Limited. Your health, your way. Be very spry.