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Hi Saber and SheltieMom,
I have three cats and have often thought about pet insurance, but there are limitations, as you mentioned.
I really like your idea about tucking a little away each time you get paid for any emergencies!
To expand on that concept, if you are involved in a family or community that you are close to and are all pet owners, have every member contribute a set amount to a fund each month and then you all have access to that pot should an emergency arise.
Exactly how insurance started hundreds of years ago!!
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