10x is right. We didn’t have pet insurance. My dog got hit by a car in September. Everything is good now, but the incident broke his leg and popped his eye out of socket. Between emergency surgery for his eye and orthopedic surgery to put a plate in his leg (the other two options were amputation or putting him down) we ended up spending just shy of $9,000 for all the procedures and follow ups. I also feel very similarly about having a responsibility to my pets health. We’re lucky we could afford the procedures, because it would have been very hard to put him down.