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Check out trupanion if you are considering insurance. They cover 90% and no limit after you pay over your deductible ( per symptom, so if same related issue happens again the year after you are covered and no need to bay deductible).
Fiancées dog had a slipped disc last year and has to operate and she had no insurance at the time. It was a costly 7k surgery. It was at the specialist where one of the patients told us about trupanion for her dogs. One of her dogs needed surgery which cost 10k but trupanion covered her 90%.
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