They would take my dog or cat over my dead body! It's $80. to walk through the door at our emergency vet. I do have a credit card I keep just for that reason. (ours does accept them) We paid off our cards but my furkids emergencies is one reason I keep them. Our regular vet will let us pay payments, write post dated checks, etc. but they know me well, don't know if they do it for everyone.