If pet insurance is not an option for you, there are also discount programs available in many areas that can help you to save money on the cost of care. Discount programs are ones where you pay a membership fee, and are required to see participating veterinarians. With these programs you receive discounts on services at the time they are given, rather than paying full price and waiting for reimbursement the way you would with insurance.
There are a lot of discount programs available, so your best bet for finding them would be to do an internet search for “veterinary discount” and look at the options in your area.
You may want to look online for all the veterinarians in your area and check to see if any of them are participating in discount programs.
In my own city I found 15 different options, each with different participating veterinarians. Because of the massive selection of these types of programs I cannot list the smaller plans.