Last February, I was bit by a fellow cruiser's dog while anchored (our boat, not the dog) in Lake Worth (something I didn't anticipate as a possible risk while cruising). The bite was pretty bad requiring a skin graft ($1400) but involved no infection, 10 day supply of antibiotics, bandages changed weekly, only 3 temporary stitches, no x-rays, no hospitalization or lab costs, . Total bill, roughly $16,000. Equivalent to the cost of a set of brand new sails. I think my portion was around $3000 (paid by the dog's owner).