Stash 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 stash 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 Health Stash 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 Health Stash transactions and balance, 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 Health Stash account, just give us 30 days notice and your savings are returned to you without any fees or charges.

Learn more about why many pet owners are better off using Health Stash by reading our Pet Insurance Guide.

Freedom of choice

You get to decide where to spend your Health Stash 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

Saving vs Insurance

Let's be really clear - you can only spend what you have saved in your Health Stash. If you incur a vet bill and you don't have enough savings in your Health Stash, 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.

© VSPRY 2019-2021 with all rights reserved. This website is operated by Vspry Australia Limited ABN 41 631 026 330, a public company limited by shares, incorporated in Australia, and whose ultimate holding company is Vspry International Limited ABN 59 631 026 027 ("VI"), a public company limited by shares, incorporated in Australia. VSPRY® is a registered trademark of VI.


Our mission is find new and better ways for you to take care of your health, ways that put you in control, and let you decide what’s best for you. We have a vision for a future that will be brighter, and healthier, because it belongs to you.


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. Technology services are provided by Vspry Services Pty Limited ABN 73 646 565 611. Always read the relevant Product Disclosure Statement, our General Terms, and any product-specific Terms.


You can contact us by telephone on 1800 934 185 (or +61 7 3184 4111 if calling from outside of Australia). If you are deaf or have a hearing or speech impairment, you can contact the National Relay Service in Australia on 133 677 and ask for 1800 934 185, or use the SMS Text Relay Service SMS relay by sending a text message to +61 423 677 767. You can visit us at Level 38, 71 Eagle St Brisbane, Queensland, on business days between the hours of 8:30am and 5:00pm. You can send us mail to PO Box 311 Wynnum QLD 4178. You can use our Live Chat service by clicking on the VSPRY Chat icon on this website. You can email us at You can message us using Messenger at, or using SMS or WhatsApp on +61 488 857 184.