My dog is around 13 years old and I rescued her over 8 years ago. I hadn’t really considered insurance until she started getting older and was worried that the time would come when she would have an issue and knew I would do whatever it took to take care of her. I took out pet insurance over a year ago before she had any issues. The first year I put through a couple visits and had no issue with reimbursement. Just this past month she had to have emergency surgery and between the vet visit and the subsequent emergency room visit, it was over $8,000.
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