No owner wants a pet to suffer because medical care is out of reach. Financial aid is out there, and there are steps you can take to cover an emergency vet bill.
Please remember that, depending on the severity of your pet's illness or injury, you may still lose your pet even after great expense. Discuss the prognosis and treatment options with your veterinarian, including whether surgery or treatment would just cause your companion discomfort without preserving a life of good quality.
NB: Preventive veterinary care is always the best option for keeping expenses down. Homeopathy can help. In the past, human health insurance companies even offered premium discounts to patients whose primary care physician was a homeopath. Unfortunately that is no longer the case but certain veterinary insurance companies, e.g. PetPlan and Embrace will still pay for homeopathic treatment. Having a policy with one of these companies is worthwhile IMO.--Dr. Jeff