You have been given excellent advice from everyone already, and I agree, you don't have to be rich, but you do have to plan. We had insurance for the first 2 years for Bulldozer and Blossom, we had the Wellness Plan which covered their vaccinations, stool samples, spay and neuter surgeries, and checkups. Now that they are 4 years old, we put money aside each month in case they need a surgery. My vet has a plan where you pay $30 for the first visit, and you pay $25 a month which covers their vaccinations, stool samples, heart worm checks, 3 checkups for the year, one emergency visit, and one home visit if they are to sick to come to the office. It doesn't cover surgeries if they need, or medications, but it works out to $305 a year which you would pay when you take them in the spring for their vaccinations, heart worm and stool samples and their rabies shot. The exam price alone is $75 each time you bring them to the vet for something, so 3 exams would pay for itself as well. It makes it more affordable and manageable at $25 a month. I also believe in preventative care and feeding a good quality food and giving natural supplements to keep them healthy. I bathe them regularly, and give them natural supplements such as plain unsweetened yogurt for the Probiotics, it is good for digestion, and boosts the immune system, they also get Coconut Oil for the Omega Fatty Acids, which is good for many things like their skin and coat, and the brain, I also give them apple cider vinegar everyday. ACV has many health benefits for both people and dogs, it is a natural anti inflammatory, and a natural anti bacterial and anti fungal, and it also balances the Ph levels of the blood, it also boosts the immune system, I also give them Kelp.