There has got to be some sentimental value to this for them to want it repaired. If it were me, doggies would have a new quilt. I do NOT like repair work so I probably would have said that they could not afford me. What you quoted, seems more than fair for the nightmare they are laying on you. Unless you need the money, I really hope the wife is horrified and is one that thinks "it's only sewing" expecting a $20.00 fix.