I'm a Grinch.
Elvis will be getting a secondary state of his condition neurology exam next summer.Yet another dental after new years, also...hopefully neutered too after the neurology consult. None of which will be covered...
Princess already got a top of the line all comforts possible covered and unaffordable paid for spay that was too early for any pet insurance to cover. On top of her emergency flea allergy treatments...also not covered. Hense pet insurance was canceled.
Scoobers had three ear infections, a strange rash & Princess ate one of his jogging harnesses. None of which were covered.
They will all be getting a bag of treats in their stocking, and when needed a new bed this year they were very expensive Santa visited year round and mommy is broke, unemployed and just plain in the 99% 
Merry Christmas you all get vet care year round right now 