Yep! Don't leave home without the insurance on the way to the exotic vets office. It's really very convenient. There are several and the one i have is called CareCredit. They offer two types of plans and they are 6 and 12 month "no interest". The other is the extended payment plan 24, 36, 48, 60 months at 14.9%apr. OP says she/he is only sixteen but it boils down to responsibility for the animals health. This way things get paid and you can work out the details and payback later. Oh KMG, its per animal/ visit.