The pricing is really ... interesting.The only big pay out was when i broke his back leg when he was 10 weeks old my fault I stood on him that was £4000 to get fixed.
I spent a bit of time in a vet surgery (admittedly more than 40 years ago )
It's not a hospital with massive overheads, you don't have a specialist orthopaedic surgeon, anaesthetist and surgical team, nursing staff, hospital wards and the like. Some staff, sure, but all on a much smaller scale.
Yet it costs roughly as much as it costs the NHS the repair a broken leg in a human patient.