How would I know what type of compensation should get?

From your post, it does not sound like you sustained physical bodily injury in any way. If that is thge case, you are not talking about negligence but breach of contract. You must have signed documents which discuss the rights of the parties and which may address your right to a refund. If you have documents, read them carefully to see if they talk about this. Generally incidental and consequential damages of the type that you incurred (costs of travel, pet sitter etc.) are not going to be recoverable. And you have not stated anything which would show that the hospital breached the contract, so based on the very limited information you presented, it sounds like you are not entitled to any compensation. I don't understand your comments regarding a third-party lender. If you borrowed the funds why does this have anything to do with whether the hospital breached the contract with you? Either they violated some condition which would make them liable or they did not. However, this is not my area of law and there may be something in the documents or other facts which you did not relate which would require a different result. I recommend that you consult with a general civil litigation attorney. If the clinic is in Florida, then I would consult with an attorney in Florida as there may be jurisdictional issues with suing in Georgia.