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Pet Loans: Your Key to Managing Pet-Related Costs Efficiently

Pets are undoubtedly a source of boundless joy, but their unexpected expenses can pose a financial challenge. Our expert guide on pet loans provides comprehensive insights into managing these costs effectively. Learn how these specifically designed personal loans can help you distribute your pet-related expenditures over time, giving you the peace of mind to enjoy the priceless moments with your furry friends.
Offers: 5
Updated:
28.02.2024
08:41
Best Quick Loan Today 28.02.2024*
Finanso
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0.05 – 2.50 %
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5 days – 3 months
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3.84
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$1,000-$50,000
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Effective interest rate on the product

up to 35.99%
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up to 60 months
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Best Personal Loan Today 28.02.2024*
Finanso
Personal Loans
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2000.00 – 100000.00 $
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Effective interest rate on the product

6.34 – 35.89 %
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Loan term for the financial product

2 months – 72 months
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LendingClub
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up to 35.89%
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up to 60 months
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3.35
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5000.00 – 100000.00 $
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Effective interest rate on the product

8.99 – 24.99 %
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36 months – 72 months
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The Legal Status of Pet Loans in the USA

In the USA, personal loans are legal and typically used for non-business needs. They must be repaid according to the loan agreement, which includes interest and a repayment timeline. Various laws regulate these loans, including the Equal Credit Opportunity Act, the Fair Debt Collection Practices Act, and the Truth in Lending. These laws protect both the lender's interests and the borrower's rights, ensuring fairness and transparency in the lending process.

Reviews
CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
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What Are Pet Loans?

Pet loans are a type of financing specifically designed to assist pet owners in covering the cost of various pet-related expenses, as having a pet may be costly. For example, the average annual cost of owning a dog in the United States ranges from $1,000 to $2,500, depending on factors such as the dog's size, breed, location, and the owner's lifestyle.

Pet loans provide borrowers with funds that can be used to address the financial needs associated with their emotional support animal, including the veterinary costs and the purchase of goods to help their furry friends feel good again.

One of the primary benefits of pet loans is the ability to cover the cost of medical treatment for pets and veterinary bills using the help financing options offered by online lenders and credit unions. Whether it's routine veterinary visits, surgeries, medications, preventative medications, or emergency care, pet loans provide pet owners with the necessary financial support to ensure their pets receive the medical attention they need. This helps pet owners overcome financial barriers and ensures that their pets receive the appropriate healthcare without delay.

Additionally, pet loans can be used to purchase pet goods and accessories. This includes items such as a bird cage for pet birds, bedding, grooming accessories, toys, and other necessary supplies. Pet loans provide funds to cover these expenses, enabling pet owners to provide a comfortable and enriching environment for their pets, promoting their overall well-being and happiness.

Features

  1. Coverage for Medical Expenses. Pet loans are designed to cover a range of medical expenses related to your pet's health and well-being.
  2. Covering Pet Expenses. In addition to medical costs, pet loans can also be used to cover other pet-related expenses. This may include grooming, training, pet supplies, pet insurance premiums, or even boarding fees if you need to be away.
  3. Initial Cost Assistance. Pet loans can help with the initial costs of getting a new pet. This can include adoption fees, spaying or neutering costs, vaccinations, microchipping, and other expenses associated with bringing a new pet home.
  4. Routine Medical Visits. Pet loans may cover routine medical visits such as wellness exams, vaccinations, dental cleanings, and preventive care. This allows pet owners to proactively maintain their pets' health without worrying about the immediate financial burden.
  5. Flexible Repayment Terms. Pet loans typically offer flexible repayment terms to suit your budget and financial situation. You can choose repayment options that align with your income and monthly expenses, making it easier to manage the loan repayment.
  6. Competitive Interest Rates. Pet loans may come with competitive interest rates depending on the lender and your creditworthiness. This can help reduce the overall cost of borrowing and make repayment more affordable.
  7. Quick Approval and Disbursement. Online pet loan applications often provide fast approval decisions, allowing you to access funds quickly. Once approved, the loan amount is typically disbursed directly into your bank account, providing immediate access to the funds needed for your pet's care.
  8. Ability to Expand Your Budget. Pet financing options allow you to expand your budget even if you don't have reserves. These options allow you to pay for medical treatments and timely cover pet expenses, including emergency situations and the cost of owning an emotional support animal.

    Pros and cons

    Pros

    1. Coverage for Various Pet Expenses. Pet loans provide financial assistance for a range of pet-related expenses, including grooming supplies, training materials, and medical treatment and care. This ensures that pet owners can address their pets' diverse needs without straining their finances.
    2. Convenient Repayment Schedule. Pet loans often offer a convenient repayment schedule that allows borrowers to manage their loan repayments within their budget. This may include fixed monthly installments over a specified period, making it easier for pet owners to plan and meet their financial obligations.
    3. Access to Immediate Funds. Pet loans provide immediate access to funds, allowing pet owners to promptly address their pets' needs. Whether it's an unexpected medical emergency or the purchase of essential pet products, having access to immediate funds through a pet loan ensures timely care and provision for pets.
    4. Flexibility in Loan Amounts. Pet loans typically offer flexibility in loan amounts, allowing pet owners to borrow the necessary funds based on their specific needs. This ensures that pet owners can secure the right amount to cover their expenses without borrowing more than necessary.
    5. Availability for Various Credit Profiles. Pet loans may be available to individuals with different credit profiles, including those with less-than-perfect or even bad credit. Some lenders consider factors beyond just credit scores, such as income and employment stability, increasing the accessibility of pet loans to a wider range of pet owners.
    6. Potential for Competitive Interest Rates. Pet loans may offer competitive interest rates depending on the lender and borrower's creditworthiness. This can result in lower interest costs over the loan term, saving pet owners money in the long run.
    7. Ease of Application. Applying for a pet loan is often a straightforward and user-friendly process. Many lenders offer online applications, allowing pet owners to apply conveniently from the comfort of their homes. The simplified application process reduces the time and effort required to secure financing for pet-related expenses. If your pet requires urgent medical care and you are in need of additional funds quickly, a pet loan can be an excellent option to cover the expenses promptly.
    8. Option to Shop at Pet Stores. Pet loans can be used to pay for goods at pet stores, allowing pet owners to purchase necessary supplies, food, toys, accessories, and special items for service dogs. This convenience eliminates the need to rely solely on personal savings or credit cards for pet-related purchases.
    9. Support for Responsible Pet Ownership. Pet loans support responsible pet ownership by providing financial assistance by ensuring that pets receive the care, training, and supplies they need for a healthy and fulfilling life and proper medical treatment.
    10. Improved Quality of Life for Pets. Ultimately, the positive aspect of pet loans is the improved quality of life they can offer to pets. Pet owners can provide their furry companions with the necessary resources and care, promoting their overall well-being and happiness.
    11. The deferred interest option for pet loans allows borrowers to delay paying interest on the loan for a specified period of time. During this period, typically referred to as the promotional or introductory period, interest charges are temporarily waived.

      Cons

      1. Limited Availability for Borrowers with Poor Credit. Many pet loan options are geared towards borrowers with good credit scores. This means that individuals with lower credit scores may have difficulty obtaining a pet loan or may be subject to higher interest rates and fees.
      2. Higher Interest Rates. Pet loans often come with higher interest rates compared to traditional loans. This can lead to a higher overall cost of borrowing and potentially result in higher monthly payments.
      3. Additional Fees. Some pet loans may include origination fees, application fees, or other administrative charges. These fees can increase the total cost of the loan and should be carefully considered before taking out a pet loan.
      4. Credit History Impact. Taking out a pet loan, like any other type of loan, can impact your credit history. If you miss payments or default on the loan, it can have a negative effect on your credit score. It is important to make payments on time and responsibly manage your loan to maintain a positive credit history.
      5. Limited Repayment Terms. Pet loans often have shorter repayment terms compared to other types of loans. While this may result in higher monthly payments, it can also help you pay off the loan quicker. However, ensuring that the monthly payments fit your budget is important.
      6. Potential for Overpaying. Depending on the terms and interest rates of the loan, the total cost of borrowing for a pet loan can be higher than if you were to save up for the pet's expenses or explore alternative funding options.

        How to Get a Pet Loan

        Apply for a loan

        1. Research Lenders. Start by researching various lenders that offer pet loans. Look for lenders that specialize in pet financing or offer personal loans that can be used for pet-related expenses. Compare their interest rates, repayment terms, and eligibility requirements.
        2. Check Your Credit Score. Before applying for a pet loan, check your credit score. Lenders often consider creditworthiness when approving loans. If you have a poor credit score, you may have limited options or may need to consider lenders who cater to borrowers with lower credit scores.
        3. Determine Loan Amount. Assess how much money you need to cover the expenses related to your pet, such as adoption fees, veterinary bills, training costs, or equipment. This will help you determine the loan amount you should apply for.
        4. Gather Necessary Documents. Prepare the necessary documents for your loan application. This typically includes identification documents (such as a driver's license or passport), proof of income (such as pay stubs or tax returns), and bank statements. Some lenders may also require additional documentation related to your pet, such as adoption papers or veterinary records.
        5. Apply for the Loan. Once you've chosen a lender, complete their loan application form. Provide accurate and detailed information about your financial situation, including income, expenses, and outstanding debts. Submit the required documents along with your application.
        6. Review Loan Terms. If your application is approved, carefully review the loan terms and conditions before accepting the offer. Pay attention to the interest rate, repayment period, monthly payments, and any fees associated with the loan.
        7. Sign the Loan Agreement. Once you are satisfied with the terms, sign the loan agreement. You agree to repay the loan according to the specified terms by signing.
        8. Receive Funds and Use Them Responsibly. After signing the agreement, the lender will disburse the borrowed money to your designated bank account. Use the funds responsibly to cover your pet-related expenses.
        9. Make Timely Payments. It's crucial to make timely payments on your pet loan. Set up automatic payments or reminders to ensure you don't miss any payments. Consistently repaying your loan on time will help build a positive credit record.

          Requirements and Conditions

          1. Minimum Age. You must typically be at least 18 years old to apply for a pet loan.

          2. Credit Score. Lenders often consider your creditworthiness when approving pet loans. They may have a minimum credit score requirement, and borrowers with higher credit scores may be more likely to qualify for better loan terms.

          3. Income and Employment. Lenders will usually require proof of income to ensure that you have the financial means to repay the loan. This can be in the form of pay stubs, bank statements, or tax returns. Some lenders may have a minimum income requirement or ask for a certain length of employment.

          4. Debt-to-Income Ratio. Lenders may consider your debt-to-income ratio, which compares your monthly debt obligations to your income. They want to ensure you have enough disposable income to repay the loan.

          5. Citizenship or Residency. You may need to provide proof of citizenship or legal residency in the country where you are applying for the loan.

          6. Pet-Related Documentation. Depending on the lender, you may be asked to provide additional documentation related to your pet. This can include adoption papers, veterinary records, or proof of ownership.

          7. Loan Purpose. Some lenders may require you to specify how the borrowed money will be used, such as for pet adoption fees, veterinary care, or other pet-related expenses.

          8. Loan Amounts and Terms. Lenders will specify the minimum and maximum loan amounts they offer and the repayment terms. This includes the length of the loan and the frequency of payments.

          9. Interest Rates and Fees. The lender will disclose the interest rate associated with the loan, which determines the cost of borrowing. Additionally, there may be origination fees, application fees, or other charges associated with the loan.

          10. Collateral and Cosigners. Depending on the lender and the loan amount, you may be required to provide collateral or have a cosigner to strengthen your loan application, especially if you have poor credit.

          Best Places to Get a Pet Loan Today 28.02.2024

          Online Lenders

          Apply for a loan

          Online lenders specializing in personal loans or pet loans can be a convenient and accessible option. They often have streamlined application processes and competitive rates. Some popular lenders which work online include SoFi, LendingClub, and Upstart.

          Credit Unions

          Apply for a loan

          Credit unions are nonprofit financial institutions offering competitive interest rates and may be more flexible in their lending criteria than traditional banks. Many credit unions have specific loan programs for pets or allow personal loans that can be used for pet-related expenses. Ent Credit Union and America First Credit Union are two examples of credit unions.

          Local Banks

          Apply for a loan

          Visit your local community banks or regional banks to inquire about personal loans, consumer loans that can be used as vet loans (to cover veterinary expenses), or lines of credit that can be utilized for pet expenses. Establishing a relationship with a bank in your area can also be beneficial for future financial needs. Two examples of local banks are Bank of America and Chase.

          Pet Financing Companies

          Apply for a loan

          Some companies specialize in providing financing opportunities exclusively for pet-related expenses. For example, CareCredit offers financing specifically for veterinary care and pet-related services. These companies often have tailored loan programs and repayment options.

          Veterinary Clinics, Vet Schools, and Pet Stores

          Apply for a loan

          Some veterinary clinics and pet markets may offer in-house financing products or partnerships with lenders to help pet owners finance their pet-related expenses. Check with your local veterinarian or pet store to see if they provide such services.

          Ways to receive the money

          1. Direct Deposit. The most common method is to deposit the loan funds directly into your designated bank account. This allows for quick and convenient access to the funds, and you can use the money as needed for your pet-related expenses.
          2. Paper Check. Some lenders may offer the option of receiving a paper check for the loan amount. They will mail the check to your registered address, and you can deposit or cash it at your convenience. However, this method may take longer to receive and access the funds compared to direct deposit.
          3. Prepaid Debit Card. In some cases, lenders may provide the loan funds on a prepaid debit card. The card will be loaded with the approved loan amount, and you can use it for your pet expenses as you would with any other debit card. This option can be useful if you don't have a bank account or prefer to have a separate card for your pet-related expenses.

            Things to pay attention to

            1. Interest Rates. Take note of the interest rates associated with the loan. Higher interest rates can significantly impact the overall cost of borrowing, so compare rates from different lenders to ensure you're getting the best deal to finance medical care, vet bills, or needed items that pet markets offer to you. When you pay with a credit card, make sure you have read the fine print and know the tariffs; otherwise vet bill might be aggravated with a penalty APR which seriously affects the annual cost. Check your credit report to ensure there are no errors and you can get the best rates for your situation.
            2. Fees and Charges. Carefully review the fees and charges associated with the pet loan. These can include origination fees, application fees, late payment fees, and prepayment penalties. Understanding the fees involved will help you calculate the true cost of the loan.
            3. Repayment Terms. Examine the repayment terms, including the length of the loan and the frequency of payments. Ensure that the payment plan aligns with your budget and financial capabilities. Shorter loan terms may result in higher monthly payments but can help you pay off the loan faster.
            4. Prepayment Options. Check if the lender allows early repayment without incurring additional charges. Having the flexibility to pay off the loan ahead of schedule can save you money on interest.
            5. Eligibility Requirements. Understand the eligibility criteria set by the lender. This includes factors such as minimum credit score, income requirements, and any specific documentation needed for approval. Being aware of these requirements will help you gauge your chances of qualifying for the loan.
            6. Impact on Credit Score. Understand how taking out a pet loan may affect your credit score. Late payments or defaulting on the loan can have a negative impact on your credit record. On the other hand, making timely payments can contribute positively to your credit profile.
            7. Total Cost of Borrowing. Calculate the total borrowing cost, including the principal loan amount, interest charges, and any applicable fees. Comparing the total cost of borrowing from different lenders will help you choose the most affordable option.
            8. Alternative Funding Options. Consider alternative funding options for pet-related expenses, such as personal savings, budgeting, or exploring other financial assistance programs. Compare the cost-effectiveness of taking a loan versus using alternative sources of funds.

              How to repay a pet loan

              1. Understand the Repayment Terms. Familiarize yourself with the repayment terms outlined in the loan agreement. This includes the length of the loan, the frequency of payments (e.g., monthly, bi-weekly), and the total number of payments required.
              2. Set up Automatic Payments. If possible, set up automatic payments with your bank or the lender. This ensures that your payments are made on time and helps you avoid late fees or missed payments. Provide the necessary authorization and information to initiate automatic withdrawals from your bank account.
              3. Pay on Time. Make sure to pay your pet loan installments on time, adhering to the agreed-upon payment plan. Prompt payment is essential to maintain a positive credit history and avoid any penalties or negative consequences.
              4. Monitor Your Account. Keep track of your loan repayments and monitor your bank account to ensure that payments are being deducted correctly. If there are any discrepancies or issues, contact the lender promptly to address the situation.
              5. Consider Additional Payments. If you have the financial means, consider making additional payments toward your pet loan. Paying extra can help reduce the overall interest paid and shorten the repayment period. Before making additional payments, confirm with the lender whether there are any prepayment penalties or fees.
              6. Communicate with the Lender. If you encounter any financial difficulties or anticipate difficulties in making a payment, it is essential to communicate with the lender. Inform them about your situation and explore potential solutions, such as modifying the payment schedule or discussing temporary hardship options. Personal loan lenders and other lenders may amend payment plans.
              7. Keep Documentation. Maintain records of all payment transactions, including receipts, confirmation emails, or bank statements. These records serve as proof of payment and can be valuable in case of any disputes or discrepancies in the future.

                Alternatives

                1. Credit Cards. Using a credit card can be an alternative to a pet loan, especially for smaller pet-related expenses. It can be a convenient option if you have an available credit limit and can pay off the balance within the interest-free period or at a lower interest rate than a pet loan.
                2. Lines of Credit. A line of credit is a flexible borrowing option where you can access funds up to a predetermined credit limit as needed. Similar to a credit card, it can be a suitable alternative for smaller pet expenses or ongoing costs. You only pay interest on the amount borrowed, and you can repay and reuse the credit line as needed.
                3. Home Equity Line of Credit (HELOC). If you own a home, a HELOC allows you to borrow against the equity in your property. It can be a cost-effective option for larger pet expenses, as the interest rates are typically lower than unsecured loans. However, remember that your home serves as collateral, and failure to repay the loan may result in the loss of your property.
                4. Pet-Specific Financial Assistance Programs. Some organizations and nonprofits offer financial assistance specifically for pet-related expenses. These programs may provide grants, low-cost loans, or other forms of financial aid to help pet owners cover vet bills, adoption fees, or other pet care costs. Research and inquire about such programs in your local area or online.

                  Editorial opinion

                  Pet loans can provide a valuable financial lifeline in emergency situations when unexpected pet-related expenses arise because vet bills can be very costly. In such cases, pet owners may find themselves facing medical bills, emergency surgeries, or other unforeseen costs. Pet loans offer a solution by providing access to funds that can be used to cover these urgent expenses. Most lenders offering pet loans understand pet owners' emotional attachment and responsibility towards their furry companions. They recognize the importance of addressing the immediate needs of pets and strive to provide financing options that alleviate the financial burden. However, pet owners must consider other factors such as their overall financial situation, including existing debts and obligations, as well as the potential impact on other pets or household expenses. Conducting research and comparing loan terms, interest rates, and monthly payment options is essential to ensure a pet loan is a responsible and manageable choice.

                  When applying for a pet loan, having a good credit score can greatly improve your chances of obtaining favorable loan terms. Lenders typically conduct credit checks to assess the borrower's creditworthiness and determine the interest rates and loan amount they are willing to offer. A good credit score demonstrates a history of responsible financial behavior and may result in lower interest rates, potentially reducing the overall cost of borrowing. Pet owners should proactively manage their credit by paying bills on time, reducing outstanding debt, and maintaining a low credit utilization ratio. By doing so, they can position themselves for better loan options and potentially secure more favorable terms. Pet owners should also consider alternative financing options, such as pet markets that offer in-house financing or other forms of financial assistance. Exploring these alternatives may help find the most suitable solution for managing pet-related expenses while ensuring the affordability of the monthly payment. Make sure that annual cost of the loan is bearable for your budget.

                  Methodology

                  At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

                  In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

                  At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

                  Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

                  Additional resources

                  To learn more about pet loans and best practices, check out some of the following resources:

                  Sources

                  FAQ

                  Can a dog be collateral for a loan?

                  In general, it is highly unlikely that a dog can be used as collateral for a loan. Collateral is typically an asset with tangible value that a lender can seize and sell to recover their losses if the borrower defaults on the loan. While dogs are beloved companions and have emotional value, they are not considered traditional collateral because they do not hold a recognized monetary value that can be easily liquidated. Lenders typically require collateral that has marketable value, such as real estate, vehicles, or other valuable assets. It is important to consult with lenders directly to understand their specific collateral requirements and policies.

                  How can I borrow money for a puppy?

                  If you're looking to borrow money specifically for a puppy, there are a few options to consider. Firstly, you can explore personal loans offered by various lenders, such as banks, credit unions, or online lenders. These loans provide a lump sum of money that can be used for any purpose, including purchasing a puppy. Another option is to consider specialized pet financing programs offered by certain pet stores or veterinary clinics. These programs often provide financing specifically for pet-related expenses, including the purchase of a puppy. Additionally, some breeders may offer financing options directly to buyers, allowing you to make payments over time for the purchase of the puppy. It's important to carefully compare interest rates, terms, and fees associated with each borrowing option and ensure you can comfortably afford the monthly payments before proceeding with any loan.

                  Will a vet see my dog without money?

                  Veterinarians typically operate as businesses and require payment for their services. While some veterinarians may offer emergency care or limited services without upfront payment, it is generally expected that pet owners have the means to pay for veterinary services. Veterinary clinics have overhead costs, including staff salaries, medical supplies, equipment, and facility maintenance, which need to be covered. In cases of financial hardship, it's advisable to contact local animal welfare organizations, charities, or veterinary assistance programs that may provide financial aid or low-cost veterinary services. It's important to plan for your pet's healthcare needs and have appropriate funds or pet insurance in place to ensure timely access to veterinary care.