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My bill for treatment over a couple of days is about the same cost of a fairly decent used car. I have insurance which will save me from financial disaster, hopefully, but insurers go out of their way to find ways of not paying. And when they do, the premium on renewal is just their way of saying go away...
Here's a true story told to me when I was shocked by a vet's bill... If you are a farmer and you need a vet to help a sheep that's having a bad birth, a rural vet will come out in the middle the night and stay as long as it takes. When you finally get your bill, it's a fraction of what we are used to paying in towns, less than a simple 15 minute consultation.
Sadly, having an animal companion now is so expensive, with this financial collusion between vets and insurance companies, this will be my last dog. It is now something that only the rich can enjoy.