That puppy example is special. In many cases (most?) the fact that a pet needs more than $10k it is likely too much to put the pet through. No way I would give a dog chemotherapy for cancer for example
Just put in the effort to find a good vet, build a relationship, and trust them give you good advice.
I'm not saying this to you, but this has been a terrible post on HN to read, the worst of the community is on display. Lots of confidently wrong people that are very quick to see the worst in others.