My wife is a vet. One big issue is that most people don’t have pet insurance. But they do have medical insurance. As a consequence they are completely surprised by the out-of-pocket costs of medical procedures. Hip surgery (to pick something at random) is hip surgery, even if it’s for a dog. It still costs thousands of dollars. But a significant portion of the population expects to pay what they would pay for insuran…
Time travelled from the 1990s, or one of the few who’s never had normal middle-class health insurance in the last decade.
I haven’t had a plan that wouldn’t put us into at least high-four-figures if anyone gets actually-sick, since the ‘00s. Not even the best-available plans to me at any time (which I’ve noticed tend to make little or no economic sense, if you run the numbers) would keep it in the hundreds. Mid-thousands at best (and the higher premium just makes it break-even anyway)
[EDIT] Example: a recent tonsillectomy cost us $2,500 or so. We have middling-leaning-good insurance. It's not some ultra-high-deductible thing. Everything went great, no complications, out of the hospital like an hour after waking from surgery. I don't know how people who make median wages afford kids, with medical & housing costs the way they are. A specialist copay for a 30 minute routine check-up visit (fucking prescription med control rules are a cash-cow for doctors, what a joke) of which ten minutes was with a doctor, was $95 out of pocket the other day, for which we received nothing we actually needed aside from checking a bureaucratic box. Surgery of any kind being in the hundreds is fantasy-land from where I sit. Usually I'm shocked at how cheap veterinarian bills are without insurance. They're usually much cheaper than the same thing on a human with insurance.