Well I'm an animal person who doesn't really feel at home without pets! So of course I am biased.
I don't know how much they cost over a year. I don't immunise my dogs/cats as I don't immunise my kids! I live in a high tick area so that prevention costs about $20 per month. Probably $10 per week to feed. I have a dog that requires clipping so that's about $25 per 8 week period...

Cats much the same.

For me though it's a non negotiable as they're part of the family.

I think some household insurance companies allow you to cover your pets.RACQ in Qld is one. HTH