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In the future I highly recommend Eagle Ridge Animal Hospital, though they do cost a bit more than average (probably cause they have a couple of exotic animal vets on staff) but they're worth it.
In general I think you're better off banking that $1000/year then giving it to the insurance company. You can put it aside and then if in your pet's life time you don't use it you'll have a nice little savings towards a down payment on a condo. :P
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~ Just another noob looking for a clue
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