🐾 15 No-Cost Veterinary Services Near Me
In a world where veterinary bills can rival human ER costs, the idea of free vet care may sound like a myth. But here’s the truth: no-cost veterinary services do exist, and they’re not just reserved for rare emergencies. The key is understanding who these services are designed for, where to find them, and how to access them before your pet’s health hits a crisis point.
💡 Key Takeaways: The Expert Cheat Sheet
- Is anything truly free? Yes — especially for seniors, low-income families, the homeless, and veterans.
- Who qualifies? Criteria vary, but proof of income, disability, or participation in public aid programs is common.
- What types of care are free? Vaccines, spay/neuter, wellness checks, and in some cases, emergency exams.
- Can I walk in, or do I need an appointment? Most free services require scheduling in advance or referrals.
- Where should I look first? Local humane societies, mobile clinics, vet schools, and specialized nonprofits.
🧭 “Where Can I Get Free Vet Services Without Proof of Income?”
Start with mobile clinics, pop-ups, or rescue-sponsored events.
While most no-cost veterinary programs require documentation, mobile vaccine or wellness clinics often offer free microchips, exams, or shots with no income screening. These are short-term events, so timing and location matter.
| 🏥 Provider/Event | 📍 Region | 💰 Free Services | 🔖 Appointment Needed? |
|---|---|---|---|
| Petco Love Events | Nationwide | Vaccines, microchips | Sometimes walk-in |
| Spay-Neuter Assistance Program (SNAP) | TX | Spay/neuter + shots | Yes |
| L.A. Spaymobile | Los Angeles | Spay/neuter for city residents | Yes, proof of residence |
| My Pitbull Is Family Clinics | MN | Vaccines, exams, nail trims | Walk-in & appointments |
| People & Pets Together | MN | Vouchers for basic vet care | Referral through partners |
🐾 Tip: Look for pop-up clinics in public parks, community centers, or during local adoption events. They often serve everyone—first come, first served.
🏘️ “Are There Free Vet Clinics for Homeless Pet Owners?”
Yes—and they’re expanding as part of public health outreach.
Pets of unhoused individuals are now being recognized in public health strategies. Several nonprofits and clinics offer no-cost exams, vaccines, and even surgeries, often in collaboration with shelters or outreach programs.
| 🐶 Organization | 🌍 Service Area | 🚑 Type of Care | 🧾 Requirements |
|---|---|---|---|
| Feeding Pets of the Homeless | Nationwide | Food, emergency vet care | Proof of homelessness |
| Pro-Bone-O | Lane County, OR | Free vet care | Must be unhoused or at-risk |
| WisCARES | Madison, WI | General practice vet care | Income/housing screening |
| PETS-DC | Washington, D.C. | Grooming, vaccines, vet care | HIV/AIDS or disabling condition |
| The Street Dog Coalition | Multi-state | Exams, urgent care, vaccines | Homeless or at-risk only |
🧠 Insight: These services often partner with human-focused organizations. Check with local shelters, missions, or food pantries—they may host or refer to these free pet care events.
💼 “What If I’m on Disability or Fixed Income?”
You’re exactly who these programs are built for.
Many no-cost services are built around fixed-income seniors, disabled individuals, or those on public assistance (SNAP, SSI, SSDI, Medicaid, etc.).
| 💡 Program | 📍 Location | 🎯 Special Focus | 📋 Eligibility |
|---|---|---|---|
| Oregon Humane Society | Portland, OR | Urgent, dental, wellness, spay/neuter | Income, SNAP/SSI, disability |
| Shakespeare Animal Fund | Northern NV & Alachua County, FL | Emergency medical care | Proof of low income or disability |
| Onyx & Breezy Foundation | Nationwide | Surgeries, geriatric, cancer | Must apply for CareCredit first |
| CARE – Loudoun County | VA | Enhancing quality of life for pets | Local residents in need |
| Voice for the Animals “Helping Friends” | Los Angeles, CA | General care assistance | Elderly, terminally ill, or on fixed income |
📍 Tip: Start by checking with your local Humane Society or County Animal Control. They often have special grants or discounts for seniors or the disabled—just not always advertised clearly.
👩⚕️ “Can I Get Free Help for a Sick Pet Right Now?”
Yes—but emergency grants often require fast action and vet cooperation.
Some organizations can provide one-time emergency funding—but you must apply before treatment starts, and often your vet must help submit documentation.
| ⏱️ Grant Program | 💳 Max Amount | 📑 Covers | 🩺 Requires Vet Participation |
|---|---|---|---|
| RedRover Urgent Relief | ~$250 | Emergency treatment | Yes |
| Brown Dog Foundation | Varies | Life-threatening illness | Yes |
| Hope Mending Hearts | $100–$200 | Urgent care with good prognosis | Yes |
| Dylan’s Hearts | Varies | Emergency vet bills | Yes |
| Bow Wow Buddies | Up to $2,500 | Emergency for dogs | Yes |
🆘 Pro Tip: Ask your vet immediately if they’re familiar with these programs. If they are, they can help streamline the paperwork and give your application priority.
📚 “What Free Vet Care Can I Get at Veterinary Colleges?”
A lot more than most people think.
University-affiliated veterinary teaching hospitals offer free or sliding-scale care, especially for wellness services, spay/neuter, or participation in clinical trials.
| 🎓 Institution | 📍 State | ⚙️ Type of Free Services | 🌟 Bonus |
|---|---|---|---|
| Texas A&M Vet School | TX | LEAP program: vaccines, exams | Must be Meals on Wheels participant |
| Washington State Univ. | WA | Exams, wellness, diagnostics | No referral needed |
| WisCARES (UW-Madison) | WI | Sick visits, surgeries, preventatives | For low-income/homeless |
| CSU Community Practice | CO | Exams, diagnostics, vaccinations | Teaching environment = lower cost |
| UC Davis Veterinary Hospital | CA | Clinical trials for specific diseases | Free treatment if eligible |
📞 Tip: Look for “community practice,” “clinical trials,” or “outreach care” on vet school websites to find no-cost options.
🧾 “Can I Get Help If I Already Paid the Vet Bill?”
It’s rare—but some specialized platforms may still assist.
Most assistance programs won’t reimburse past charges, but crowdfunding or local Good Samaritan funds could help cover remaining balances or future visits.
| 💳 Option | 🎯 Purpose | 💼 Who It’s Best For |
|---|---|---|
| Waggle.org | Crowdfunding with direct vet payment | Still-ongoing care |
| GoFundMe | Personal fundraising | Larger bills; post-surgery |
| Local vet “angel funds” | Community donations to clinics | Loyal clients with strong vet relationship |
🧠 Real Talk: If you’re in this situation, ask your vet: “Do you have a hardship fund, or can you reduce fees for clients in need?” You’d be surprised how often they quietly say yes.
🌐 “How Do I Actually Find a No-Cost Service Near Me?”
Use national search tools + local community groups for leads.
| 🔍 Tool/Resource | 🔗 What It Does |
|---|---|
| ASPCA Local Services Map | Lists low-cost and free clinics |
| Petco Love Vaccine Finder | Locates free vaccine events |
| Humane Society State Pages | Directory of low-cost vet partners |
| 211.org | Local human and pet assistance programs |
| Facebook Groups (e.g., “Free Vet Care [Your City]”) | Real-time local tips & community events |
🐾 Quick Recap: 15 No-Cost Vet Service Sources to Know
| # | 🏥 Provider | 🎯 Who It Helps |
|---|---|---|
| 1 | Petco Love Vaccine Clinics | Anyone (no income screening) |
| 2 | Feeding Pets of the Homeless | Unhoused pet owners |
| 3 | WisCARES (UW) | Low-income/homeless |
| 4 | Onyx & Breezy Foundation | Low-income, medical hardship |
| 5 | PETS-DC | Disabled/HIV+ residents in D.C. |
| 6 | Oregon Humane Society | SNAP/SSI/disability recipients |
| 7 | Shakespeare Animal Fund | NV & FL seniors/disabled |
| 8 | My Pitbull Is Family Clinics | Anyone; pop-up monthly |
| 9 | The Street Dog Coalition | Homeless and at-risk only |
| 10 | RedRover Urgent Relief | Emergency vet bills |
| 11 | Hope Mending Hearts | Urgent care funding |
| 12 | Dylan’s Hearts | Emergency assistance via vet |
| 13 | Texas A&M LEAP Program | Meals on Wheels participants |
| 14 | CSU/Washington State Vet Schools | Exams, diagnostics, care |
| 15 | Waggle.org | Secure crowdfunding via your vet |
FAQs 🐶💬
🗣️ Comment: “How do I know if I qualify for no-cost veterinary programs before applying?”
Most free vet care programs use a combination of financial, demographic, and situational qualifiers. Knowing the categories used to assess eligibility will save time and improve your application success rate.
| 📌 Criteria Category | 💬 What It Typically Means | 🧾 Proof Commonly Required |
|---|---|---|
| Income Threshold | Below federal poverty level or qualifying for public assistance | Pay stubs, W-2, SSI/SSDI, Medicaid, SNAP letters |
| Housing Status | Experiencing homelessness or housing insecurity | Shelter letter, case manager verification |
| Veteran or Senior Status | 60+ years old, military service, or receiving pension | ID card, discharge paperwork, proof of age |
| Disability/Chronic Illness | Physical/mental impairment or terminal illness | Doctor’s note, SSDI documentation |
| Geographic Restrictions | Live within a service zip code or county | Utility bill, lease, driver’s license |
💡 Tip: Don’t disqualify yourself prematurely. If unsure, email or call the organization. Some programs consider temporary hardships, even if you’re not officially enrolled in public aid programs.
🗣️ Comment: “Can I access free care if my pet has a chronic illness instead of an emergency?”
Yes, but the programs are more limited and highly specific. While most no-cost resources focus on emergencies or preventative care, a few standout organizations help with long-term, manageable conditions like diabetes, arthritis, or heart disease—especially if the pet has a good quality of life and prognosis.
| 🐕 Condition Type | 💊 Support Options | 🔍 Where to Look |
|---|---|---|
| Diabetes (cats) | Glucose monitors, insulin, test strips | Diabetic Cats In Need (DCIN) |
| Cancer (dogs & cats) | Chemo, radiation, surgery grants | Magic Bullet Fund, Riedel & Cody Fund |
| Heart Disease | Meds, diagnostics, treatment support | The Pet Fund (non-urgent only) |
| Mobility Challenges | Wheelchairs, ramps, medication | Paws 4 A Cure, Waggle campaigns |
| Arthritis/Chronic Pain | Laser therapy, supplements | Vet schools with rehab trials |
📋 Tip: Chronic care funding usually requires detailed vet reports, proof of income, and in some cases, confirmation that your pet’s condition is non-terminal and responds to treatment.
🗣️ Comment: “What’s the difference between free spay/neuter and low-cost spay/neuter clinics?”
The main difference lies in funding sources and what’s included in the service.
Free spay/neuter programs are subsidized entirely by donations or government grants, while low-cost clinics operate at a discount but may require co-pays, add-ons, or additional costs.
| 💰 Feature | 🆓 Free Programs | 💸 Low-Cost Clinics |
|---|---|---|
| Surgery Fee | Covered 100% | Typically $20–$75 |
| Pain Meds | Sometimes included | Often an extra $10–$25 |
| Vaccines | Free events may offer them | $10–$30 depending on shot |
| Recovery Items (e.g., cones) | Basic only | Often not included |
| Eligibility | Income-based or community-wide | Open to all, limited slots |
⚠️ Caution: Some “free” events may have hidden reservation fees or require a refundable deposit. Always ask what’s included—and what’s not.
🗣️ Comment: “What should I do if I’m denied financial aid but still can’t afford my pet’s care?”
Being declined isn’t the end of your options—it’s just a cue to pivot. Consider combining several resources in a multi-step plan. This may include community fundraising, negotiating with your vet, and tapping emergency alternatives.
| 🔄 Backup Strategy | 🧠 Description | 🎯 Who It Works For |
|---|---|---|
| Start a Waggle Campaign | Secure donations directly to your vet | Urgent or costly conditions |
| Ask for a Sliding-Scale Discount | Some clinics reduce rates for hardship | Loyal clients or referrals |
| Scratchpay or VetBilling | Break payments into smaller chunks | Those with minimal or no credit |
| Check Local Rescue Sponsorships | Rescue orgs sometimes co-fund treatments | New adopters or former fosters |
| Request a Hardship Hold | Ask vet to delay treatment costs or waive exam fees | Emergency care clients in crisis |
📞 Insider Tip: Call local animal control or a municipal animal shelter. They often know micro-grants, angel funds, or city-run vouchers that aren’t advertised.
🗣️ Comment: “Are there any clinics that offer 100% free dental cleanings?”
Free dental care is rare but not impossible—most often found at teaching hospitals, clinical trials, or pop-up events. Many clinics offer basic oral health screenings for free during wellness days or adoption fairs.
| 😬 Dental Resource | 📍 Where to Find It | 🪥 What’s Typically Included |
|---|---|---|
| Vet School Clinical Trials | University dental research centers | Cleaning, radiographs, even extractions |
| Spay Days + Wellness Events | Humane societies and rescue events | Oral exams and product samples |
| Free Pop-Up Clinics | Mobile vet teams or faith-based outreach | Cleanings for small breeds or seniors |
| Monthly Free Checkups | Select Banfield or nonprofit partners | Visual dental exams, not full cleaning |
🦷 Tip: If full cleanings aren’t available for free, ask if your vet participates in “February Dental Month” promotions, where cleanings may be 50% off or bundled with other services.
🗣️ Comment: “Is it safe to take my pet to a free clinic run by students or volunteers?”
Yes—if it’s properly supervised, it can be just as safe as any private practice.
Veterinary teaching hospitals, nonprofit pop-up clinics, and training programs are held to strict safety standards. Licensed vets are always on-site overseeing every procedure.
| 👩⚕️ Setting | 🧪 Safety Protocols | 🧑🏫 Supervision Level |
|---|---|---|
| Vet School Clinic | Equipment sterilization, step-by-step checklists | Faculty vets present at all times |
| Nonprofit Pop-Ups | Short procedures only, pre-screening for risk | Vet techs and DVMs on site |
| Student Wellness Days | Vaccines, basic exams only | Training under strict guidelines |
🩺 Tip: Ask if the clinic uses current anesthesia protocols, up-to-date vaccines, and has emergency equipment on site. Safety and cost savings don’t have to be mutually exclusive.
🗣️ Comment: “Why do so many programs require that treatment hasn’t started yet before they help?”
Because grant accountability requires financial control—before the money moves. Most pet assistance organizations are 501(c)(3) nonprofits funded by donors or corporate sponsors. To maintain legal compliance, they need to control where, when, and how the funds are used.
| 🔍 Requirement | 🧠 Why It Exists | 📉 Risk If Ignored |
|---|---|---|
| Pre-approval before treatment | Ensures funds are used only for medically necessary, cost-verified services | Fraud, donor mistrust, tax audit risk |
| Treatment plan from a vet | Confirms diagnosis, cost accuracy, and medical validity | Prevents funding vague or ineffective care |
| No retroactive reimbursements | Nonprofits can’t track already-spent money transparently | Undermines funding integrity |
📌 Strategy Tip: Always ask your vet to pause non-urgent procedures for 1–2 business days if you’re applying for grants. Many vets are familiar with this model and will cooperate.
🗣️ Comment: “If a vet doesn’t accept financial aid programs, what can I do?”
You still have several workarounds. Some clinics are unwilling to accept third-party funds because of administrative workload, delayed payments, or liability concerns. If this happens, you can either ask them to accept direct vet-to-vet transfers, or you can switch to a participating provider that already works with financial aid networks.
| 🛠️ Alternative Path | 🤝 What It Entails | 💡 When to Use |
|---|---|---|
| Referral to a partner clinic | Ask your current vet to refer you to a facility that works with funders | When the pet’s condition isn’t critical |
| Request in-clinic payment plan | Clinics may offer 0% interest plans for loyal clients | Especially common for dental and surgical care |
| Use Waggle to pay them directly | Fundraisers are sent straight to the clinic; no vet signup needed | For clinics hesitant about paperwork but willing to be paid |
| Call funder for mediation | Some nonprofits will contact the clinic directly to build trust | Useful when timing is tight and funds are available |
📞 Tip: If your vet says no, don’t panic—ask, “Are there other clinics you trust who work with these groups?” Many will help connect you to a colleague who does.
🗣️ Comment: “Can I use free vet clinics for breeding pets or litters?”
No—nearly all free services exclude elective breeding or non-essential care for animals being bred. These programs are designed to serve companion pets, often as part of public health or population control efforts.
| 🚫 Service Restrictions | 🧾 Why They Apply | 🐕 Alternatives for Breeders |
|---|---|---|
| No spay/neuter for breeders | Focus is on reducing stray/overpopulation | Use private vet with breeder group discounts |
| No care for litters of puppies/kittens | Limited funding prioritizes emergency or prevention | Seek sponsorships from breed clubs |
| No cosmetic procedures (e.g., dewclaws) | Not medically urgent | Pay privately or through a licensed breeder network |
🐾 Note: Some AKC-recognized breed rescue orgs offer support for breed-specific health concerns. These may help if your pet has hereditary conditions but isn’t actively breeding.
🗣️ Comment: “What’s the difference between a mobile vet clinic and a regular animal hospital?”
Mobile clinics are portable, high-efficiency units offering basic or urgent services—often at reduced or no cost. They’re not a substitute for full-service hospitals but are an excellent access point for underserved communities.
| 🚌 Mobile Clinic | 🏥 Full-Service Hospital |
|---|---|
| 🧾 Focused on: vaccines, microchips, nail trims, wellness exams, sometimes spay/neuter | 🧬 Offers diagnostics, imaging, specialty surgery, and hospitalization |
| 💲 Often free or low-cost, backed by donations or grants | 💸 Regular fee schedules, sometimes accept CareCredit or pet insurance |
| 🕐 Short appointment times, limited scope per visit | 🕐 Full diagnostics, multiple services per visit |
| 🧍 Staffed by volunteer vets or rotating DVMs | 👩⚕️ Staffed by permanent vets, techs, and support team |
🧠 Tip: Use mobile clinics for preventative care, and pair them with full hospitals when chronic conditions or diagnostics are needed.
🗣️ Comment: “Do any programs help with pet euthanasia or end-of-life care for free?”
Yes—but availability depends heavily on location and circumstance.
Some nonprofits recognize that humane euthanasia is a medical necessity, especially for terminally ill animals whose owners are unable to afford palliative or interventional care.
| 🌈 Service | 💬 What It Covers | 🧭 Where to Ask |
|---|---|---|
| In-home euthanasia assistance | Occasionally offered by local rescues or hospice-focused orgs | Search “pet hospice nonprofit + [city]” |
| Clinic-based low-cost euthanasia | Many Humane Societies offer this starting at $0–$50 | ASPCA, city shelters, municipal vet offices |
| Private rescues’ hardship programs | Covers gentle euthanasia for unadoptable/aging pets | Local breed rescues or special needs shelters |
| Vet school compassionate care | Final-year vet students offer euthanasia under supervision | University animal hospitals (e.g., CSU, WSU) |
🕊️ Note: Burial or cremation is not usually included in free euthanasia programs—ask about low-cost cremation services or city animal control options for remains handling.
🗣️ Comment: “What services are most likely to be 100% free without proof of income?”
Public health-targeted preventative care is the most accessible. These programs are often funded by state health departments, pet retailers, or vet industry sponsors, and don’t require verification—just attendance.
| ✅ Free Service | 🎯 Why It’s Offered | 🧾 Typical Access Format |
|---|---|---|
| Rabies vaccinations | Public safety requirement | Offered at drive-up events, fairs, clinics |
| Microchipping | Lost pet prevention | Rescue partnerships or city-wide campaigns |
| Spay/neuter vouchers | Population control | Mailed by city or downloadable online |
| Deworming/flea treatment samples | Parasite control | Often given at mobile clinics or wellness events |
🛑 Watch Out For: Some services are advertised as “free,” but require mandatory package add-ons (e.g., must buy vaccines with spay). Always ask if the advertised free service is truly standalone.
🗨️ Comment: “How can I plan for future emergencies if I can’t afford pet insurance?”
Create a DIY Emergency Fund + Pre-Qualification Strategy. Pet insurance can be out of reach, but being unprepared doesn’t mean being powerless. Build a no-frills safety net using free tools and pre-emptive approvals.
| 💡 Strategy | 🔧 What to Do | 🎯 Pro Tip |
|---|---|---|
| Set Up a Dedicated Pet Emergency Savings Account | Use a digital bank or app (e.g., Chime, Ally) with auto-transfer rules | Label it “Pet Care Only” to resist temptation 🐾 |
| Prequalify for Scratchpay or CareCredit | Apply before there’s an emergency—approval lasts months | Saves time during actual crisis ⏱️ |
| Ask Vet About In-House Payment Plans | Some clinics quietly offer internal hardship relief or split billing | Build trust with consistent wellness visits 🏥 |
| Use Waggle or GoFundMe Draft Templates | Pre-write your campaign and keep it private until needed | Saves precious minutes in real emergencies 📣 |
💬 Real-World Hack: Set a $5–10 weekly auto-transfer into a “Vet Fund Jar.” It’s shockingly effective over time.
🗨️ Comment: “Why don’t more of these programs cover diagnostics like bloodwork or imaging?”
Because diagnostics are high-cost, high-frequency, and low-visibility. Funders prioritize treatments with visible, life-saving outcomes over tests, even though diagnostics often determine survival paths.
| ⚠️ Service | 💵 Avg. Cost | 🤷 Why It’s Rarely Covered |
|---|---|---|
| X-rays (1–3 views) | $150–$250 | Seen as non-definitive until paired with treatment 🩻 |
| Blood Panels (CBC/Chemistry) | $120–$180 | Frequently repeated—too routine for grants 💉 |
| Ultrasound | $300–$500 | Requires specialist, not often urgent 🧪 |
| MRI/CT | $800–$2,000+ | Exorbitant; rarely approved even in funded clinics 🧠 |
💡 Insider Tip: Some vet schools and animal hospitals offer diagnostic-only clinics at student-teaching rates. Look for “community diagnostics” on vet school websites.
🗨️ Comment: “How do I prove financial hardship without giving up my privacy?”
Use standardized, non-invasive documentation. Most nonprofits don’t ask for tax returns—they use already-verified government assistance enrollment or general income statements.
| 🧾 Acceptable Proof | 🧩 Description | ✅ Why It’s Safer |
|---|---|---|
| EBT/SNAP letter | Shows current eligibility with no income breakdown | No SSN or private employer info 💡 |
| Medicaid/Medicare Card | Widely accepted as income proxy | Hides full health data while proving eligibility 🏥 |
| Unemployment Notice | State-issued, date-stamped letter of benefits | Doesn’t reveal bank accounts 📬 |
| Disability (SSI/SSDI) Letter | SSA approval letter or deposit stub | Legal proof without full financial disclosure 📄 |
| Pay stub under 200% FPL | One recent pay stub showing gross monthly income | Just one page; no full employer record needed 💼 |
🧠 Bonus Tip: Cross out sensitive numbers (like account or ID numbers) when submitting—just leave the name, date, and amount.
🗨️ Comment: “Which services are most overlooked but available for free in many cities?”
Niche preventive and quality-of-life services often fly under the radar. These aren’t flashy emergency surgeries, but they drastically reduce long-term vet costs and improve daily comfort.
| 🌟 Hidden Gem Service | 🐶 What It Helps Prevent | 📍 Where to Look |
|---|---|---|
| Anal Gland Expression Clinics | Infection, rupture, scooting behavior | Local SPCA mobile units or wellness days 💨 |
| Pet Nail Trimming Events | Cracked nails, joint strain, arthritis | Shelters, pet food banks, rescue orgs 🐾 |
| Low-Cost Dental Cleanings | Gum disease, systemic infections | University vet programs, pet dental month 🦷 |
| Free Pet Wellness Checks | Detects silent illness early | Vaccine events or senior pet fairs 👩⚕️ |
| Parasite Prevention Giveaways | Flea/tick, roundworms, tapeworms | Petco Love, shelter-sponsored events 🐛 |
📍 Navigation Tip: Search [Your City] + “free pet wellness day” or “pet health fair schedule.” These events are seasonal and sponsored, not ongoing clinics.
🗨️ Comment: “What happens if I apply to multiple grant programs at once?”
That’s not just smart—it’s necessary. Most grants max out at $200–$500, far short of the cost of surgery or even diagnostics. Strategic stacking ensures better coverage and faster decisions.
| 🔗 Program Type | 🔁 Can Be Combined? | 📎 Strategy |
|---|---|---|
| RedRover + Paws 4 A Cure | ✅ Yes | Apply same day—funds cover different services 🧾 |
| Waggle + Brown Dog Foundation | ✅ Yes | Run fundraiser while waiting for grant approval 💰 |
| Frankie’s Friends + Hope Mending Hearts | ✅ Yes | Submit vet estimate to both for parallel review 🔍 |
| CareCredit + Onyx & Breezy | ⛔ Sometimes | Onyx requires CareCredit denial or partial approval 🙅 |
⚠️ Note: Always tell each funder if you’re applying elsewhere—they often ask directly. Honesty = faster processing.
