I agree. The best thing IMO is setting up a separate bank account for vet bills and adding to it each and every month. An automatic transfer is the best way to do that.:w00t: 27.99%:w00t: You could go to vet school for less. Only kidding but I've found that sometimes you can ask your vet or human doctor to do things on a payment plan and there's no interest.
If you are a good client, vets will often work out a payment plan with you. My vet didn't charge any interest for years, but now charges 1.5% ... no big deal if you pay it off in six months.