That is one expensive kitty, @INeedAPensieve!
We were very, very glad we'd taken out the highest level of pet insurance for our dog Mia, when she managed to rupture the cruciate ligaments in both knees. She had to have surgery at the Vet Hospital in Glasgow on both knees (one at a time), and then managed to dislocate one kneecap (a known, but very rare, complication of the surgery), which meant a third orthopaedic op for her. Finally, the painkillers she was on for the dislocated kneecap gave her a gastric ulcer - no operation, thankfully, but more consultations and medication.
She needed a lot of consultations, and x-rays under anaesthetic, and in total, her bill was somewhere north of £10,000 - and PetPlan paid almost all of it without a murmur! The only thing they wouldn't pay for was the specialist food she needed, during her recovery from the ulcer - but given how much they had shelled out, we didn't complain at paying £50 for special food.
I am waiting for my friend to arrive - she is driving over from Northumberland. We are keeping our fingers crossed that she doesn't get snowed in here, over the weekend!
At the moment, she won't even be able to get onto the drive, as Openreach are mending an inspection cover at the end of our garden, and have coned off not only our drive, but our neighbour's drive too.