Hmmm, barring a medical emergency, I think my vet bills are pretty low.
I do my own teeth scaling at home, or, when a dog is completely uncooperative, my vet lets me go into the office and do the scaling there (I'm a dental hygienist) while she puts my dog under. My vet charges no more than 25-50 bucks for the anesthesia, and she does any needed extractions for about $5/tooth.
There's a great dentist I know who lets me bring my dogs in for any necessary digital x-rays (no charge), so I can email the x-rays to my vet for evaluation at no charge.
I use liquid ivermectin for heartworm, so the cost is about 50 cents/dose. I buy Frontline spray through my vet by the case, and it works out to about $4/dog/treatment. I haven't seen a flea here in 12 years, and ticks are scarce because my peafowl eat them, so I only dose each dog 2- 3 times a summer.
3-year rabies vaccine - $15. I do my own distemper vaccines, but keep them to a minimum. They cost about $4 each.
I staple or stitch my own wounds if necessary. Usually I just let the wounds heal on their own.
When I have had an emergency after hours, I've driven my dogs to my vet's house and she's treated them in her driveway. She's a large animal vet, too, so has her mobile vet truck at her home. Her house is about 3 miles away, her clinic is 5. No emergency charge either way.
Once I had a dog pierce its lip with its own canine tooth. I couldn't release the lip from the tooth. It was a Sunday evening. Called my vet at home. She met me at the clinic, put the dog under, un-pierced the lip, stitched it up, gave an injection of antibiotics, and sent me home with oral antibiotics, just in case my stash at home was inadequate. Total charge: $90.
I love living in a small town, and I love my vet!!! Taking home-baked goodies into the office on a regular basis does an awful lot to keep my costs down, and, the folks at my vet's office understand if they find a dog hair in their cupcake or cookie
For situations beyond my vet's capabilities, I've had some bigger bills: $1500 for a dog with aspiration pneumonia, $1500 for emergency bloat surgery at a vet school, etc. But at least I save so much on general vetting that the bigger bills are not such a shock.
Life is good!!!