Most people treat their pets like family members (or better than family members in case you don’t like any of your relatives). That’s why many people are also considering buying pet insurance to protect against unforeseen medical emergencies.
It’s hard to put a price on your pet so you have to judge for yourself whether pet insurance will be worth the cost. Then again, most people will do almost anything for their pets so be prepared to do whatever’s necessary to keep your pet happy and healthy while you suffer and go without health care all for the sake of your animals.