Totally agree. I don't have a credit card, but a savings fund of about $6,000. I have not had to dip into it once (it's for emergencies only, I keep enough cushion in my budget for incidental visits to the vet if something comes up), and if all four of my animals come down with something at the same time, I'd be in trouble and have to get help/loans from family. But cross fingers that it won't happen... since it's not really fun to pay $4-5000 in colic surgery on top of whatever my dogs and cat might do to me.
And the whole raising money for my poor fluffy who is undergoing heartworm treatment because I couldn't keep up with preventative? *facepalm*