This isn’t unethical and i don’t know if it is pertinent to your situation. My dog needed life saving surgery but I couldn’t afford it (broke college student barely scraping by) so I literally called every veterinarian practice I could in and out of state and made a spreadsheet of every practice, what they covered, their estimates ,and contact info. In the end only one doctor was willing to do the surgery for 4k instead of everyone else’s estimate of 8-12k. I told my regular vet (who initially said it was new policy that they didnt do this surgery anymore) I was going somewhere out of state to try and get the procedure done. They were worried about the stress and travelling we would have to do with my dog in an unstable condition after surgery so they spoke to the lady who oversees all the veterinarians at my vet practice and they found a way to not only perform the surgery there but to also match the cost of the estimate of 4k that the other out of state vet gave me instead of the 10k my place normally would have charged under a grant they had in their company that essentially uses your animal as training for new veterinarians. I gave consent and then immediately had to figure out how to raise 4k in 2 weeks. I sold everything i could online and in garage sales/flea markets, did odd jobs on loans, and the rest was donated by family and friends even ones i haven’t spoke to in a decade. I was definitely lucky to have been able to raise the money through others’ generosity but maybe you might find a different vet practice that will do the surgery but at a more affordable rate? I wish you and your pup all the good luck in the world!