Well the only problem is when you start a new policy, they generally don't cover your pet that has problems already (at least in my case).

Here's some info on pet insurance:
http://en.wikipedia.org/wiki/Pet_insurance

I also would recommend a credit card called "Care Credit" they can be used at the vets office and they helped me out a ton when my dog had a 4,000 vet bill =)

http://www.carecredit.com/

I wish you the best of luck, I know how hard it can be!!