Vet's bills are very high nowadays, I think it's sad. The mental health positives to owning a pet are well proven and there are physical benefits too, but a lot of people who need their company most can't afford to keep them. My grandparents had 11 children, my gran went without anything but basics to keep body & soul together but they always had a dog. You didn't have to be in the high income bracket to own a pet not so long ago. On the other hand, pet insurance does mean that many more diseases can be treated and complex specialist surgery performed. I don't think I'd spend 10k on a heroic op to try to save a suffering pet. I'd say we've had a wonderful time together, but don't want to put you through any more suffering. And put 5k to a homeless charity or save the children, & 5k for my pension (in theory anyway).Thankfully not been in that position though.