<prompt> Human: Yesterday, one of our dogs was injured and we had to take her to an emergency vet. We have pet insurance with a 500 deductible for each dog we have 3 and no limits after you hit the deductible with 90 reimbursement. Last year, we made a commitment to always have 1500 set aside within our emergency fund to meet the deductible if any emergency comes up for any dog. Because of that planning we were able to focus on our dog and not stress about money when we were at the vet. There was another family in the office negotiating a 4200 bill and I couldnt help but think that I would be in that exact same situation if I hadnt considered dog insurance or saving money to always have enough to meet the deductible. Anywho, thanks rpersonalfinance for the great advice over the last few years!  <response>: About 10 years ago my dog got in a fight with my foster dog...it resulted in a VERY LARGE vet bill. My dog had to get 18 staples in his one leg and both dogs were pretty shredded two pit bulls. I had to get a second job to pay for the vet bill, which I had to borrow money for. Fortunately I was able to borrow money from my mom. I cant imagine what other people do in that situation. Never again. Emergency vet money is always something I have set aside, and I keep it in cash in a safe so Im not tempted to spend it. Another time my cat was really sick and had to get a 400 ultrasound, and more. SO GLAD I had the emergency vet money. It turned out she had been getting behind a wall in the garage and was sleeping in poisonous insulation...yeah 