well if I said no I would be a hypocrite lol I have 24 furrys and 7 fish currently, and we are on welfare. do we have money for an emerency? not even close. do the animals go to the vet and get any required treatment if the need be? sure do. Happy got x-rays, and antibiotics that she needed when she she broke her toenal and it got infected. however we are also very self sufficiant, we dont run to the vet at every little thing, we research it ourselves and only go to the vet if its absolutly nessisary, which does not happen often. when the dogs got KC we gave them cough syrup, and we gave then extra Vit.C till they were all better. when Happy got an eye infection margo gave us eye drops for her until we were able to get some ourselves. when Happy broke her toe nail we pulled it out ourselves. we dont go running to the vet for every little thing, and our pets have never suffered from it. however I think if a person does not have the money for a vet, AND does not have a clue how to treat anything themselves, then they should not have a lot of pets.