Don't know if you guys use this / have heard of it -- but I've bought it 2 years in a row - once via Living Social, and once via an Amazon Local deal. What it is: you buy the Pet Assure card and you get a 25% discount on in-house medical services at your vet
IF they're a PARTICIPATING VET in this program. They do NOT cover meds, btw....just services.
This is what is eligible for the discount:
Instant Vet Savings - Pet Insurance Alternative by Pet Assure
For me, it pays off bc our Wylie has...Atypical Cushings, hypothyroid, allergies & recurrent skin infections, an enlarged heart, LP (had surgery), cataracts...and is on several meds and needs ongoing lab tests for his issues.
I'm not sure this would pay off for a super healthy dog who only needs annual visits...but for me, IT DOES...usually within 1 or 2 visits, depending on what needs to be done.
Anyway - here is the coupon/deal in case you're interested:
Pet Assure Deal