 for the money side of it here's what my brain thinks of this is something that happened it was a random occasion you went your whole life probably with pets and nothing like this ever happened so i wouldn't let this one um terrible thing happening inform how you do things going forward thinking this could happen again um and then so i would not do the insurance but i would say okay what would happen if i just put thirty dollars aside per pet each month and just i always had an emergency fund for my pets what would that look like