How much money is an emergency? $100? $500? $2000? Unless you're a millionare, you can't be prepared for everything that might come up.

I think that everyone can have pets. Some pet owners don't have lots of money, but love and care for their animals just as much as anyone else. And, as cali said, you can treat many things by yourself, without harming your pets (as long as you know what your doing).