I unfortunately agree with everyone else
the pets are not the source of your depression/stress. A sympton of the problem, sure. But not the source.
I have 3 pets (dog, cat, rabbit) and yes we have dealt wih surgery to remove any eye, fox tail in the ear, upper respitory infections, getting nuetered, hip surgery, bee stings, rattlesnake bites
it sucks and we also dont have pet insurance. Everytime we have looked into it, the rates didnt make sense to us however we will probably consider as they get older.
EVERYTIME we have got through it together. There was never a question of who pays, we discuss it and decide whos card (or credit card) to put it on. We have set up care credit and paid it off, when needed. It is a family responsibility, not individual.
I feed them in the morning, he feeds them in the evening. He takes out the dogs for more walks, i usually handle the bunny cage. Whoever is closer to target gets to buy the food.
same goes for housework. In fact, i hate to admit but he probably does more than me. But the main focus is we are a team. There have been times where we say “hey i need x amount to cover the mortgage or can you cover the cable this month instead” because even though we have separate finances, we are on the same team.
I think you need to sit down and let your husband know you are struggling to keep up with expenses/household chores and discuss splitting a little more evenly.
I know pets are different than kids – really i do. But i would still be hesitant to have a family with someone who i cant trust to help me take care of the house/baby.