Just like people insurance, you get buy health insurance for most pets. It will save your wallet, and perhaps your beloved animal family member's life in the process. I've had cats, and used to breed parrots. Check for carriers of this insurance; you'll find most of the online, and you can have your pets serviced at any licensed animal hospital or veterinarian clinic you wish, with a nominal deductible for most visits. Some even include shots and routine check-ups for free.

The law doesn't require that a sick animal be treated in an emergency, much less routinely, like it does for people. If that vet would rather see your dog die, place more emphasis upon money than pet's well being, or immediately suggest euthanasia before treatment, find another vet. If you have a past due balance, or get billed for services not rendered, take them to small claims court. For large bills, send $5 a month. That way, you're showing intention to pay, and they can't ruin your credit or hand it over to a harassing collection agency. Rarely do doctors of any specialty sue; they earn big money anyway, what you didn't pay is tax deductible, and if they want to chase you, they must either hire a lawyer or appear in court themselves, hardly worth the lost time and aggravation. My father was a cardiologist, so this is from as close to the horse's mouth as you may hear it; certainly not far from the dog's mouth, either..........

Nice doggie.....