I have a savings account that money is automatically put into twice a month. So I forget about it. It isn't just an "emergency vet fund", its an "emergency pet food etc" fund.

I've looked into lots of insurance places, most will not cover stuff if it has already been diagnosed or treated by a vet. So Charlie will automatically not get medicine for his allergies if that's the case because he has ben to teh vet for that before. It's a nice comfort zone to fall back onto, but it is just not the right choice for us. I would be paying more money that I would probably (hopefully... lol) never see again whereas if I put money away into my own savings account then I KNOW the money is there, and I don't have to wait around on some company to MAYBE reimburse me the money months later, if they cover it at all.