I would completely finish it, label and all, then wash and dry the quilt in with fragrance-free detergent and no dryer sheet, then immediately put it into a sealed bag (like the zippered kind that new sheets come in) until ready to deliver. Some patients are allergic to (or bothered by) fragrances and some charities will discard the quilts rather than risk harm to a patient. The main thing they don't want is smoky smells, but the hair and odor from pets is the next worst. The best thing is to check the charity's regulations and requirements before donating a quilt you've worked on.