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if you dont have emergency money available to take care of your animal if it gets sick (and i know people that have had $1000 and over vet bills) then i dont think you should have an animal
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Do you have over 1000 for each of your animals Zo? I bet you dont. What if they all got really really sick on the same day

If you dont, well according to what you just stated, your not a responsible pet owner