Maria, people don't pay $6-10K /yr for pet insurance. In fact, my pet insurance costs me $80/yr:-) . And I only got it once, when anticipated some pet related expense.:-) It saved me $160. You can't do this with "human" insurance. And, I'm sure those folks wouldn't mind paying $300 if they didn't already pay $600X 7 months. Their insurance only will save them money if they will get some devastating disease, G-d forbid.

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Happy New Year to all! Virtual hugs!