I hope you are talking single incident and not over lifetime.
I do agree even with people there comes a realistic threshold you are limited by...
My wife can't have kids, so I am lucky that I don't have both pets and kids to budget.
My one kitty has had to have a little over $2000 in surgery during a 4 year stint at $500-600 per year in his youth. His two littermates didn't suffer the same problem he did. He's been event free for 4 years now that his diet has corrected it.
My cattle dog has a personality everyone loves...I really got lucky with this dog in my life. He was found tied up in a garbage bag at about 3 months old outside a known dog fighting area. The janitor rushed him to the shelter half dead.
Whoever owned him originally thought he was probably a pit bull as a pup and then realized he was more other things once growing. I saw him on petfinder.com and rushed to see him. They said he was adopted already, but let me play with in a couple mins. I was really sad.
He was adopted by people that lived in an apartment. 2 weeks later he ended up back, once their landlord found out they fortunately returned the dog rather than let him go into the 'wild'.
Fortunately that was the day I saw him again on petfinder. I called right away. I spent a few hours with him and told them I was taking him.
He's going to turn 2 in a few months. So far his life has been an adventure. First, few weeks at dog park the old fucks in the small dog side insisted he was a pit bull and kept making trouble for me. I took him to the big dog side and some asshat brought in a pack of aggressive dogs. Mine got bit bad.
That was $600-700. He recovered and was not the worse for wear.
During that recovery though I took him for longer and farther walks. We ended up down a street that had a drug house on it. Their insane dog hopped over his 3' fence and started attacking my puppy and then me. Fortunately a random stranger drove his brand new pickup truck up on the sidewalk and allowed us to pile in soaking wet (it was raining at the time too). We were all stratched up, he was bleeding a bit.
Around 6 months old my house was broken into. He was trapped in his crate. They took one of my fire extinguishers and covered him in it.
somewhere later he got a bump on his mouth. Vet said, probably just cosmetic, but only a removal would guarantee it and a test. Another $300-400.
Then around a year he got bit again, another $600 or so. Golden Retriever went possessive of the water station. Owner promised to pay me...never did.
Fortunately I can afford it, I may have had to stretch it out a couple months to pay it...but I sacrifice.
The return on investment is off the charts, he has been really unique in the dogs I have owned and grew up with. He is almost like a person.