Don't buy a pet unless you can afford these sort of vet bills, we have spent thousands on our pets in the last year, but we aren't any worse off for it, we make sacrifices so that we can give our pets the treatment they need. One of our dogs got bloat and had to be rushed to surgery, cost us over $3000 but we put it on the credit card and have since paid it off, one of our cats cost us about $2k in her last year before we ran out of options and had to put her down. We are by no means rich, 1 income with 2 kids and a small mortgage, we just know how to live cheaply when required so that we can cover these sort of emergencies.