I have never used pet insurance. I have friends who have spent in excess of $10,000 on a dog for a grass seed in the lung. I couldn't do that even if I wanted.
I once needed to pay off a big bill ($800) at the vet and did it at $10.00 a week. It was paid about a year ago but I have never stopped the payment. I currently have over $500 credit with my vet... we're good.
Most policies I havee seen have been what I deem expensive and very conditional.
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