For those of you with pets, please consider getting pet health insurance! I've been assisting on emergency surgery lately, and it is shocking how much a freak accident or weird illness can cost! You can get accident-only coverage for less than $10/month, which will pay out up to $8,000 per year. VPI is the largest and most popular company, but the ASPCA also offers coverage (administered by an insurance company, of course), and they have the advantage of not having allowances for set expenses, like VPI's $75 for anesthesia, that can easily be way more. All coverage is by reimbursement rather than direct payment, which is inconvenient, but at least you don't have to worry about whether a vet accepts your company's plan.