I run a small rescue for special needs /high maintenance pigs, and when l explored insurance many years ago , the companies
Respectful told me that most of my pigs were uninsrurable. So l started what l call my piggy fund, .
I looked at previous years vet bills and estimated the the amount of money l would need to deposit into a separate savings account, that was exclusively for vets bills , and would be used for nothing else !
This method of putting money aside for for veterinary bills has served me quite well over the years , and more often than not,
my piggy fund has covererd all my veterary expenses