[107barney]

I think that insurance is an individual decision. For years, I was against it, and for the most part, I'm still playing the odds. I did purchase a catastrophic type small policy last year on my younger dogs to take the stress off of emergencies. I also recently applied for and was approved for care credit. I want to be able to float certain bills without dipping into savings or depleting my paychecks as I have in the past for sick pets. If I were purchasing a new puppy today, I would not structure it as a catastrophic type of plan because too much could be discoverable in the first year or so where a lower deductible and more comprehensive coverage might be more sensible.