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When corporate giant Mars bought the animal hospital chain Veterinary Centers of America in 2017 for $9 billion, the deal shocked some, but it shouldn’t have. Spending on pet healthcare is a multi-billion dollar business and growing.

Still, for many, the business image of pet wellness plans remains stuck in the past.

Consumer behaviors change. Monthly payments and subscription billing have become the norm with the broad acceptance of services such as Netflix, Amazon Prime, gym memberships