Help needed for rumours surgery

My beautiful pony is sadly being taken into surgery next week on both his back legs, luckily I do have him Insured which can take the large financial burden of myself hopefully, however it only goes so far. Like everything, his insurance has small print and does not cover everything and due to me loosing my job during the pandemic and not yet starting my new one I do not have the spare funds after receiving a large vet bill after a blockage and bout of colic a few weeks ago. I’ve stretched every other money source and cannot possibly lend anymore money. This year has taken a massive strain on everyone’s life so I fully understand anyone that cannot help and with christmas being only next month, I really do. Whilst in surgery, If the tears in his legs are worse than we thought then his bill will increase literally by the minute also and his outcome will not be as positive. I’m trying to focus on the health and quality of life of my baby however I cannot help but stress about not having the excess funds. Anything and everything will help, Thankyou so much.