Ok, in light of recent topics about vet bills and not affording them as well as having spoken to people who have no idea, I just want to mention that you CAN actually get insurance for vet bills. My horse (and dog) are covered by Petplan for the sum of $72 per month. This covers his life insurance (which wasn't important to me), his removal should I lose him, my tack BUT it also INCLUDES $10,000 toward vet bills and a few other things. Now if my horse got sick and I was confronted with an estimate reaching $10,000 and it being risky, I would either being paying back that money for a long time or be having the horse pts as I couldn't afford it. I can however afford the $72 per month to prevent such a scenario. Now if my horse needs colic surgery for example, I can decide if its what is best for HIM and not on my pocket. I haven't had to make a claim yet thankfully but my parents dog is also covered (at just over $30 per month) and sliced his tendon through a window (he tried to jump through a low light window) on Easter Sunday. The vet bill came to $1200 so my parents made a claim. Petplan have been easy to deal with and there has been better than expected service so you don't need to fight for the money. Anyway, just thought I would put it out there for those people who didn't know!