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Americans with six-figure incomes are in 'survival mode'
(www.usatoday.com)
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And that’s basically it!
Easily. Combination of pet insurance and normal medical bills plus a canned diet with occasional toys, treats, litter, specialty furniture, and cleaning supplies. You can do with less and gamble with health problems, unexpected emergencies, and boredom-linked destructiveness.
(I had a diabetic cat. Between him, a girl that can't eat dry food or cheap canned without getting bladder stones, and a third cat that eats whatever but isn't worth the effort of separating at meal times I was spending $400+/month just on food. It's less now without the diabetes to manage but still not cheap.)