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Just looked up FMG's dog cover - pretty much replacement cover for farm dogs - will pay vet bills upto $1000 to extend working life / prevent death. Replacement value for accidental death or theft. I do live rurally on the Inlaws farm so could do that but if they'll only cover $1k i'd be better off saving the $ towards bills as mentioned.
Have been asking round, have southern cross medical insurance so sounds like I can get a package deal there - looking into it. I know that it may be money for nothing in the event that you don't claim but i suppose it's piece of mind and as mentioned you hear of some pretty steep vet bills
Package deal is 2.5% discount if I remember right. Not significant we have a few policies with them and its still a huge cost.
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