Wow, I'm glad I didn't have to face that situation. Last year a friend of ours paid thousands for vet bills on her French Bulldog - and we decided that having pet insurance would be a good idea for our two dogs - so we got them policies as a 'Christmas' present. My pomeranian ended up needing surgery last week - and boy, don't I feel good to know that all I have to pay is the deductible! Anyway, there's no way to insure against everything that might happen in life, but health insurance for us, and our pets, just makes a lot of sense - and is something we can afford. Big vet bills that empty our bank account is something I don't want to face.