My dog is 12. If I can echo something based on my personal experience. I dealt with several companies when my guy was a puppy to about three. I found the increases year over year were crazy. I think by year three if memory recalls it may have been about $100 a month. Completely nuts. I’d just recommend being disciplined, putting money aside month to month until they get older or until such time you need it. When they’re puppies it was really cheap. But at a certain point it gets expensive and not worth it. I recall I had insurance with spca and caa or something. It’s been awhile.
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