Pet insurance is a great idea and when you consider the costs of some procedures, well worth it.
For the younger ones who can't get insurance I always suggest putting a little aside each week into a special 'money box' without dipping into it. They can usually afford to buy the latest CD etc. so I tell them, borrow it and copy it (or have a friend do it for you) and put the difference aside for your pets health fund.
There's many ways of putting aside that little bit each week and in the long term, it's well worth it.
But as WhitePegasus has already said, most vets will allow time payment to good customers.
