I believe that Care Credit card you can also use it. It is not only for animals. It is a promotional card that is interest free but you have to pay what the amount is set at every month and do not miss a month or I believe the amount will be due plus all the interest. I would pay what they want every month. Trupanion (pet Insurance) I pay $63.80 a month. Animals and humans same costs for treatments. Very expensive.