This is something I heard about and I applied for online this afternoon. You're approved and given a card number in seconds. It's a line of credit for pet health care. People can use it for health care as well. My dog Grace is going in for knee surgery and it's bound to cost a small fortune. I've been saving for it but spent 2 grand on the cat when he had liver disease.
No. People have posted these kind of things before. They are not selling anything. They are not offering any animal for sale. They are just a place that offers help for people with vet bills, so they are considered a service.
If you are a dog and your owner suggests that you wear a sweater, suggest that he wear a tail.