The truth is, an $800 vet bill really isn't that unusual. Lady had a stubborn UTI a few years ago that cost that much. Between the sterile cultures, x-rays, vet visits and all the antibiotics we tried (a few were $80 and didn't even work
), her bill got up there quickly.
One bout of pancreatitis because your family member slipped your dog a piece of ham usually runs about $1,500. Yorkies with luxating patellas are more likely to tear their ACL with just normal activity. That surgery will cost at least $1,500.
Expect the unexpected is the best way to approach dog ownership IMO.