Owner Portal Guide

1. Visit petsavingsbank.com and click Create a free account
2. Enter your name, email, password, and ZIP code
3. Check your email and click the verification link
4. You'll be guided through onboarding to set up your first pet

After verifying your email, you'll complete 5 quick steps:

1. Pet Profile — Add your pet's name, species, breed, date of birth, sex, and weight
2. Health Conditions — Select any known health conditions (arthritis, allergies, diabetes, etc.)
3. Care Plan Preview — Review your AI-generated care plan with routine and emergency cost estimates. Adjust the cost slider if vet costs in your area are higher or lower than average
4. Funding Setup — Learn how deposits and savings buckets work
5. Co-Owner Invite (optional) — Invite a household member to co-manage your pets

Click your pet's name in the sidebar dropdown, then + Add Pet. Each pet gets their own care plan, but all pets share your single Pet Savings Account (PSA).

• Balance Summary — Your total household savings across routine and emergency buckets, with quick-action buttons for Deposit, Transfer, and Pay
• Pet Family Savings — A snapshot of your savings progress toward your care plan targets
• Action Items — Things that need your attention (missing provider, pending health review, etc.)
• Insurance Card — Your policy summary or a prompt to explore insurance
• Savings Coach — AI-powered tips personalized to your pet's care plan
• Milestones — Badges you've earned as you save (first deposit, emergency fund target reached, etc.)
• PetBank at Work — If your employer offers PetBank benefits, you'll see contribution details here

1. Enter an amount or tap a quick button ($25, $50, $100, $250, or Monthly Target)
2. Choose which bucket: Routine Care or Emergency Reserve
3. Click Continue to Payment — you'll be redirected to Stripe's secure checkout
4. After payment, your balance updates automatically

Move money between your Routine and Emergency buckets:

1. Select direction (Routine to Emergency, or vice versa)
2. Enter the amount
3. Confirm with your password (one-time re-authentication)
4. Transfers are instant, free, and reversible

Request a withdrawal back to your bank account:

1. Choose which bucket to withdraw from
2. Enter the amount
3. Confirm with your password
4. Funds arrive in 2-3 business days

Pay your vet or other provider directly from your PSA:

1. Select the provider from your care team
2. Enter the amount and choose a service category
3. Pick which bucket to pay from (Routine or Emergency)
4. If the provider offers a PSA discount, it's applied automatically
5. Review the summary and click Confirm & Send

Requests — View payment requests sent by your providers. You can pay or decline each one.

History — Browse all your transactions with filters by type (All, Routine, Emergency, Deposits, Withdrawals) and time period. Export to CSV for your records.

• Monthly Funding Bar — Routine, Emergency, Insurance, and Total monthly costs at a glance
• Routine Care Card — Itemized list of expected annual expenses (wellness exams, vaccines, dental, grooming, etc.) with monthly savings targets. Click the header to collapse/expand
• Emergency Reserve Card — Your emergency fund target based on breed-specific risks
• Breed Risk Alert — If your pet's breed has known health predispositions, you'll see a banner

• Delete items you don't need — they move to a "Removed Items" section where you can restore them later
• Regenerate your plan if your pet's health profile changes
• Save overrides when you've customized line items
• Cost adjustment — Set your local vet cost level in Settings (below average, average, above average, or well above)

• Coverage Snapshot — If you have a policy, see your premium, deductible, reimbursement %, and coverage remaining at a glance
• How Savings + Insurance Work Together — The core philosophy: save for the expected (routine care), insure for the unexpected (emergencies). Higher deductible = lower premium = more money for your PSA
• Deductible/Premium Tradeoff Tool — Slide the deductible to see how it affects your estimated premium and annual savings
• Pet's Health Profile — Your pet's diagnosed conditions (reported by you, not fabricated breed data)
• Insurance Shopping Guide — A checklist tailored to your pet's actual health conditions
• AI Advisor — Click the "Ask Advisor" pill button to chat with an AI insurance expert. It knows your pet's breed, conditions, PSA balance, and policy details

• Click Add Policy to enter your insurance details (carrier, premium, deductible, reimbursement %, etc.)
• Edit or replace existing policies at any time
• Track claims against your policy

• Stats Bar — Total providers, primary vets, specialists, and PSA-enabled count
• Provider Groups — Organized by pet, showing each provider's name, type, city, phone, and relationship tag
• PSA Badge — Indicates which providers accept PSA payments

• + Add Provider — Search for providers on PetBank by name or ZIP code, or invite a provider who isn't on the platform yet
• Remove a provider by hovering over their row and clicking the remove link
• Invite a Provider — If your vet isn't on PetBank, send them an email invite. You can track pending invites and resend if needed

• Filter by pet (All Pets, or a specific pet)
• Each offer card shows the provider name, discount value, and type (percentage off, flat discount, free service, etc.)
• Offers are automatically applied when you pay that provider through your PSA

Account

Edit your profile (name, phone, ZIP code). Email is display-only.

Security

• Change Password — Requires your current password. New password must have 8+ characters with uppercase, lowercase, digit, and special character
• Active Sessions — See all devices where you're logged in, with the ability to revoke individual sessions

Savings Mode

• Routine + Emergency — Fund both buckets monthly
• Emergency Only — Focus on building your emergency reserve

Savings Automation

Set up automatic monthly deposits with a customizable split between routine and emergency buckets.

Payment Method

Add or remove a saved card for quick payments.

Notifications & Privacy

Toggle alerts for upcoming expenses, payment confirmations, savings milestones, provider offers, and ad frequency.

Plan & Preferences

View your subscription tier and adjust your local vet cost level (affects care plan estimates).

Household

Invite a co-owner (partner, family member) to share access to your pets and PSA. Both co-owners can view balances, make deposits, and manage care plans.

Danger Zone

• Remove Pet — Deactivates the pet, archives their care plan, and removes provider links. PSA funds are preserved and payment history is kept
• Cancel Membership — Deactivates your account. All data is preserved and you can reactivate by contacting support

If your vet shared a PetBank link with you (from their waiting room sign, email, etc.):

1. Click the link — you'll see a welcome banner: "[Practice Name] uses PetBank"
2. Create your account and complete onboarding as normal
3. You'll be automatically connected to that provider when you finish — no extra steps needed

If you're already a PetBank member and click a provider's join link, you'll see a prompt to add them to your care team immediately.

• Start with your care plan — It's the foundation for knowing how much to save each month
• Set up auto-deposit — Even a small monthly amount builds your safety net
• Add your providers — You can only pay providers through PetBank if they're on the platform
• Check the Insurance Guide — The deductible/premium tool can save you hundreds per year
• Use the Savings Coach — It learns from your habits and gives personalized advice