[gemy]

I know that this might not be practical for everyone, but not by design, but by chance, I used the specialists at the both Toronto area ER hospitals, prior to actually needing an ER service as an emergency.

So they already had me and my dogs, and for that matter my cat, on record.

When I had to rush Zoey in for emergency that day last year, there was no pre swipe of my credit card, not even a mention of it! She got her emerg care, and I paid on the way out.

So I too believe in pre arranged credit. a prepaid credit card, that you use only for dog emergencies, and or a savings acct for the dog.

I think most of us would be hard put to pay $10K cash up front. Especially after banking hours!

I know with multiple dogs, the bills can truly add up. That is just speaking about insurance.

I think everyone needs to analyze their situation financially that is, taking into account where they are in their lifes' journey, if you are close to retirement your answer might be different than someone who is 30yrs away. If you are on a fixed income already, that too needs to be accounted for.