We have had our current dog for 5 years and he's a breed that doesn't have a lot of genetic health ailments so we don't feel insurance is necessary. Over the five years he's had a couple of reactions to food where he's licked himself into open sores that got infected and both times probably cost us around $300 each. That works out to $120 per year so the math of paying $50+ a month just doesn't work for us but it all comes down to one's tolerance for risk and how attached you are to your pet.
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