When the vet has a sign in their office encouraging you to get a credit card in your pet's name, you know it's going to be a problem! Out kitten needed a $3000 surgery just a few weeks after we got her (the doofus ate the sash on my bathrobe and plugged up her intestines). My brother's dog needed specialized treatments to try and treat his cancer that ran into significantly more than that. Vet bills are less than doctor bills... but that's not saying they're inexpensive!