If you don't think your animal needs a heartworm preventative, have your vet show you a heart full of them. It's sad, disgusting, and unnecessary. Plus, heartworm treatment costs a fortune and may come too late to save your pet. Don't want to fork out for the better brand of flea and tick medicine? The store varieties can make your pet very sick and not work as well. You can save tons on this on ebay or 1800petmeds. Without that protection, your putting your pet at risk for things like tapeworm and putting your family at risk of catching not only the tapeworms, but lyme disease, if they happen to bring a tick into the house with them. How much money do you think lyme disease would cost you? No rabies shots for your 'indoor' animal? If they happen to get out or you're walking the dog and they startle an animal and get bit, at the very least you're looking at a 10 day quarantine at the vet ($$$), and at the worst, you're pet may show the signs of it and have to be put down. I have a vet who's wonderful, and for possibly serious matters I am willing to pay a little more to have my pets taken care of. But for vaccines, I go to a good but cheap vet clinic where I pay a ton less for the shots. I don't feel guilty. I need to save the money, and I need my pets protected. Also, if you can't afford a big vet bill (i.e. no savings) and you really love your pet, and you know that if anything big happened you'd go into hock before you'd have them put down, you need to look into pet insurance.