Rob, sorry about finances, I guess in that respect we are not alone.
I actually have my dog insured but it doesn't cover euthanasia or the return of ashes etc. last year he had an op that cost a huge amount of money and insurance only covered the first £1000.00. (I thought that would be plenty when I choose the cover)
Shortly after he went lame again and now he has a tumour causing nerve damage and amputation is not viable with a steel plate in back leg.
I stay with mine and stroke and soothe. Yes it is hard but the least we can do given the years of love and loyalty they gave us.
I also plant a tree or shrub in memory. That helps me. I am big on rituals as comfort for me.
Be thinking of you all.