Do you have a Petsmart in your town? Petsmart owns a vet chain called Banfield...you pay a membership fee, like $70, and you can pick a plan level to cover whatever you feel you're going to need to be paying for. They charge monthly payments. I've been with them for three years, and have had bad experiences with the vets themselves (they're just not nice people!) but in your case, I'd say it might be something to look into.
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