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Vet bills are rising – do you know how you’ll cover a large expense?

More than half of pet parents can’t afford an unexpected $500 veterinary bill, but 81% of pet parents spent over $500 on unexpected pet care in 2025.

We never want you to question whether you can afford the care your furry friend deserves.

Take Impossible Decisions Off the Table

The new $500, 0% interest Fido Vet Spending Card, powered by medZERO, lets you spread the cost of your vet bill over 6-12 months with zero interest and no fees.* 

Fido is included in your UPC membership at no additional cost. We know you have other bills to pay. This can be a game-changer when your pet needs care. 

Access up to $500 to cover veterinary expenses*

To help with any veterinary expenses. 

0% interest with repayment over up to 12 months and no fees* 

Say “yes” to your pet’s medical needs without adding costs.  

No credit check*

To remove worry from pet healthcare decisions. 

Can be used at any vet in the U.S., including those outside UPC’s network* 

So you can benefit at any vet. 

Prepare for your next vet visit today by enrolling in Fido.

Getting started is easy for UPC members:

  1. Download the “Fido by medZERO” app via iOS or Android.
  2. Enter your information and repayment method.
  3. During checkout at the vet, request the exact amount you need in the Fido app.
  4. Pay the vet with your virtual payment card.
  5. Pay off your balance over time and borrow again!

For more information, checkout our Fido by medZERO FAQs.

The new Fido Vet Spending Card feature was exactly what I needed to get the care my pet deserved. This is way easier and financially smarter to break into payments over time, versus dropping $500 on a surprise vet visit. It’s a feature I will happily use again and it’s amazing UPC offers it.

Stephanie, UPC Member

Not a member? Join our pack!

Start saving with a plan that actually works for you, your wallet, and your pet.

Enroll Now

* The Fido Vet Spending Card is powered by Fido by medZERO and administered by medZERO, Inc., with financing provided by its lending partners. United Pet Care (UPC) members are provided access to this program but UPC is not involved in lending decisions, program administration or operations. No credit checks are required. Most members will qualify; however, in some cases, additional eligibility verification may be required, and individual approval results may vary. medZERO loans are issued at 0.0% APR with no interest or fees. This is not a loan offer. All loans are subject to review and approval by medZERO’s lending partners. Please refer to your medZERO Loan Agreement for full terms. Refer to https://get.medzero.com/fidoupc for details.