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  I think it is standard practice with emergency vets to require payment at the time of service. As awful as that sounds, you wouldn't believe the number of people who stiff vets for their bills after an emergency, especially if the pet doesn't survive. 
 My sister worked at a vet office for years. It is really easy to run up a huge bill quickly in an emergency situation. People aren't thinking clearly and want the vet to do everything possible even when they don't have the money. Emergency clinics wouldn't be able to operate if they worked on the honor system.
 
 Your regular vet will often work with you to set up a payment plan because they have a relationship with you. They also will go over expected costs for treatment beforehand if the bill is expected to be large.
 
 It's so important to have a plan for an emergency veterinary situation. A special account that is set aside for emergencies only is the best. Some people keep a credit card for just such an emergency.
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