I also think that it obviously does NOT make you a bad pet owner or unable to afford a pet if you can't pay for thousands of dollars worth of vet car in one go. In my mind if you can afford standard routine vet care but can't afford to pay for a catastrophic injury, that doesn't make you a bad person or unworthy to own pets. Pet insurance is something to consider if you are worried about not being able to afford an accident. However, if something bad has happened unexpectedly and you can't afford the treatment, you do need to consider your options and what you can do- from care credit to humane euthanization.Its very hard but you have to way the facts. Can I afford my animal or not?