I have a bank account that I refer to as "my doggie account". I put money in it every month. It is specifically for a catastophic incident that would cost thousands of dollars. It is a separate account and earmarked for the dogs, kind of a self-insurance plan. I pay for the day to day stuff, vet visits, teeth cleaning etc. from my regular checking account. I have had this account for many years now and it is pretty sizable now, but I realize that a really big problem could clean it out quickly. However, with four dogs of my own and my mom's dog, I think the insurance premiums would really cost me a bundle. I will probably start putting more money into the account as my dogs are now ranging in age from 5 to 8.
J. and pups, Gem, Monty, Harley and Sapphire