Today's high (and rising) pet care costs are forcing many owners to rethink how — and when — they seek veterinary help. Just the routine vet expenses for a single cat or dog now average more than $4,000 annually, according to a new survey from Healthy Paws Pet Insurance , and those costs have climbed sharply in recent years as veterinary services become more advanced and, in turn, more expensive. That financial pressure is changing pet owners' behavior, with some households delaying care or