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FILE- In this June 14, 2019, file photo a Parson Russell terrier sits in a kennel at St. Hubert's Animal Welfare Center after being treated in Madison, N.J. A pet’s torn knee ligaments or a broken leg that needs surgery could cost a few thousand dollars. Even stitches to close a bite wound after a scrap with another dog can cost several hundred dollars. Fortunately, pet insurance can defray some of these costs. But many U.S. pet owners don’t have it. (AP Photo/Julio Cortez, File)

FILE- In this June 14, 2019, file photo a Parson Russell terrier sits in a kennel at St. Hubert's Animal Welfare Center after being treated in Madison, N.J. A pet’s torn knee ligaments or a broken leg that needs surgery could cost a few thousand dollars. Even stitches to close a bite wound after a scrap with another dog can cost several hundred dollars. Fortunately, pet insurance can defray some of these costs. But many U.S. pet owners don’t have it. (AP Photo/Julio Cortez, File)

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