[Torguy]

I think all insurance companies are Frauds if you ask me, I hate giving money to those bozos, bunch of bozos is what they are.

I would rather pay the money up front for a problem that arises (Rarely a Big problem depending on how you look after your dog), then to give to insurance companies your money.

All the hard earned money you pay to the insurance company, by then you could have already paid for yourself, the only difference is that with insurance there is a chance they may deny your claim or give you a small amount of the deductible, and a BIG chance for this because they only care about money and not your dog.

They will find any excuse in the book to try and cover you as little as possible, those that have had good experience were probably lucky, and I know this because I work for a big Law Firm and deal with these kind of cases for these scum bags all the time.