Genia, this is such an important issue you've brought up...pets that need vet treatment but there are problems with payment. The vet clinic at our university allows some people who do not have the ready money to pay off vet expenses over a period of time. This clinic also has a fund for what they call 'charity cases' where say a stray dog will be brought in for treatment. When our 22 year old dog died, we gave a contribution to this charity fund as her memorial. One way to help is to see if there are any vet clincs that accept donations for charity work they might do.