Petco offers insurance, not sure if it covers ferrets but its worth looking into. my ferrets that i had had absolutly no health issues on there kibble/vitamin diet, but maybe thats because once a week thay got health, vitamin enforced Goose soup i made specially for them using a recipe for "duck soup for ferrets" i found. the "rescue" ferret i had (yes he may have been givin to me but i consider it a rescue) the previouse owner had him in a small rat cage, with no room to play in, even tho she had a huge ferret cage, and she had pine shavings in the cage, wich caused a severe upper respitory infection, a week being on the goose soup and he was happy and healthy, started playing again, then saddly a month later my house burnt down and the fire department held me back because i kept trying to run in after my 3 cats and two ferrets since thay said thay where not humans so thay didnt matter.