UPC wants to help every pet parent access affordable quality care and that's why we've teamed with medZERO to bring you Fido. Powered by medZERO, your Fido spending account can be used at any vet in the U.S.- in the UPC network or not- to pay for up $500 of care for your pet. With no credit check, 0% interest*, no fees, and easy repayments up to 12 months your Fido by medZERO spending account is the best way to pay for your pet's care.
What's the enrollment process, how long does it take and what will I be asked?
Enrollment in Fido by medZERO takes less than 5 minutes. You'll download the Fido by medZERO app, create a login-account with basic personal information and review the program terms. *
How do I access the app?
The Fido by medZERO app is available in both the Apple App Store and the Google Play store.
Apple App Store: fido by medZERO
Google Play Store: fido by medZERO
Where can I find my member ID number?
Go to your member portal and click the "overview" tab. You should be able to find your member ID number at the top of the screen.
Is this a Credit Card?
No. Fido by medZERO is a simple installment loan you repay over time. Once you request a loan, you will pay your provider with a one-time use Debit Card.
Is there a credit check?
No! There is no credit check as part of the process (not even a soft pull).*
Why am I asked for my social security number if there's no credit check?
Fido medZERO is required by federal regulation to collect social security numbers for consumer loans.
How is my spending limit decided?
UPC members have a pre-determined spending limit of up to $500. You decide what amount to request based on your specific expense, up to the program limit of $500.*
When you want to use the Fido card to make a payment at the vet, you’ll go to the Fido by medZERO app at the time of checkout and enter the exact amount you want to charge on your Fido card; if the amount you request on the card doesn’t match the charge exactly, you’ll be notified of an error and prompted to adjust your request amount in the app.
Will I get a physical card in the mail?
No. You have instant access to your Vet Spending Card digitally via the Fido app without need for a physical card.*
Can I use this at any vet, even if I go out of network?
Yes, you can use your Fido by medZERO Vet Spending Card at any veterinary clinic in the U.S., even if they are not in UPC's network.
How do vets charge this card at the clinic?
Your Fido by medZERO Vet Spending Card works like any Mastercard. You'll receive a digital card (eCard) in the Fido app that you can present at the time of payment. Online or over the phone, provide the card information
Can I run multiple charges on the card up to my limit, or do I have to pay off each charge before I can use the card again?
No; once you charge your Fido by medZERO Vet Spending Card, you must repay your balance in full before you can use it again.*
Can I prepay my balance?
Yes, you can prepay your balance anytime with no penalty.*
How does repayment work?
Depending on your loan amount, you have 6 or 12 months to repay. Fido by medZERO automatically drafts monthly repayments directly from the repayment method you entered when setting up your account. Repayment is over 6 months for charges up to $250, and 12 months for charges up to $500.*
What happens if I'm unable to complete my repayments within the term?
If you're unable to complete your repayments within your 6 or 12-month term, contact Fido by medZERO support. The support team will work with you on a solution that fits your situation.*
If I cancel my UPC membership, can I keep Fido and continue using it?
If you cancel your UPC membership, you will no longer be able to use Fido for new purchases. Your repayment terms on existing loans do not change, and you'll be able to continue making payments.*
I have more questions, how do I contact the support team at Fido by medZERO?
Email: fido@medzero.com or call: 503-755-1095
* Fido by medZERO is 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.