I don't have insurance but I do have a medical credit card that is for pets and humans. Most cases as long as it is paid on time and within the time frame its finance charge free. Its from Care Credit. I like it because it isn't just for the dogs or cats but me too. this was a life saver when my Akita got bloat and had to have emergency surgery or he woundn't have made it thru the night. The vets finished his surgery about 3am and then called me to say he did great. If I hadn't of had this card he would have died. That was over 7 yrs ago and even though he's getting old he's still going strong.
Here you can have the SPCA put your dog to sleep. I don't know how much it is now but years ago it was 12 for that and creamation.