I have a separate credit card I use just for my pets and pay it off as soon as I get my check back. It usually takes a few weeks to get paid.To me insurance is worth it even if you don't need it because it gives you piece of mind. If you can put up a huge amount every month and can cover the rest if you have an emergency...great! But if you don't you may find yourself making a very difficult decision one day
When Nikki had to have emergency surgery she had to stay in the hospital for four days for a total of around $4,100. I received a check from PetPlan before my credit card bill was due.
I don't have to rely on my credit card but that would be an option to have a credit card for emergencies along with insurance. Not too long ago I was at the vet with our bird and a young men was in there very upset. I don't know if he had a dog or cat but he didn't have any money. The receptionist told him that nobody is going to see his pet for free I walked in on the end of the conversation so I don't know the whole story but I felt horrible for him and the pet.