Hello and welcome to YT. We have learned a lot from this site and I am sure that you will too. It does become very addictive, though
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You asked about Pet Insurance...after much research we went with PetPlan USA. We have not had to use it yet (thank goodness) but feel a little better knowing that we have it just in case.
This site might be helpful:
Pet Insurance Review - comparison of VPI, ASPCA, etc.