considered NOT going to the vet because of what you may have to pay? I ask this because I know many people who love their dogs, but do not go to the vet for problems such a ear infectiosn etc (as they are " not life threatening") because they don't want to pay. Personally, even though we dont have pet insurance here, I have never ever ever once stopped to think about cost. It's almost like I block it out. Of course it's never a good feeling when your purse gets lighter, but it has never influenced any of my decisions.