It all depends on the context for me. How long have I had this pet? How much is the bill relative to what I earn? Is the pet just starting life at a severe disadvantage (heart failure as an infant, or immune system or some other disorder), is it in the prime of its life, is it nearing the end of its life?
I would not enter into owning a pet unless I thought I could be serious about it and would be able to meet the associated financial obligations, including medical care. I think every person can define that line for themselves, and there is no "right" or "wrong" answer to the question this thread raises.
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