My co-pay for specialists now is up to $40 plus 20% of the bill. Most doctors expect that at the time of the office visit. My granddaughter just had to have tubes put in her ears. The doctor required that they pay their share ($1,500) upfront before the surgery. Hospitals have the same problem veterinary clinics do - people not paying their bills.
My Lady has chronic health problems. Her vet bills and medications run close to $5,000 a year. That is my responsibility. I can't expect vets to take care of her for free if I haven't properly prepared for her medical needs.
I have found unexpected vet bills that require hospitalization to run between $500-1,000. I think everyone needs to have at least that much in a bank account set aside for pets. Obviously, if you are a multiple pet household, you need to set more aside. Add to the account monthly or better yet, have it automatically deducted.
When considering getting a puppy or adding another dog, everyone should take into consideration the long term financial commitment and prepare for it. Trust me, as they age pets can rack up some serious vet bills. I think too many people don't budget past the first year, the purchase price, spay or neuter, etc.
Here is a reality check on the cost of owning a dog:
The Cost of Owning a Dog