Can a personal loan cover the cost of a vet bill?

A personal loan can be used however you like. There aren't any restrictions at all, what you buy is 'personal'.

Do be aware of the high interest rates though. You don't normally pledge any collateral so the rates can be much higher.

That is the biggest issue with personal loans. Since there is no contractual obligation on how or where you spend the money, the interest rates will be MUCH higher. I have taken out one for something in the past and I ended up paying 30% of it in interest.

Yes they can, I have gotten a few for my cats over the years. One needed surgery and I was not able to cover the full cost so I was able to get a small personal loan through my bank. I likely wouldn't be able to get one now since my credit isn't as good but at the time it was very easy and I was able to pay it off in 6 months.

I would look into options at different clinics and hospitals. Some may offer payment plans so you can avoid getting a personal loan to cover this cost. Personal loans can be handy but come at a price if your credit scores are lower than 720.

It's not ideal, but if you have to do it then go ahead. Just be sure you can afford to pay it back!

A better choice would be an unsecured loan or just borrowing money from family or friends.