had dog insurance i thought was good enough, $18 covers 80/20 for everything except cancer, now both dogs are on $26/mo insurance that covers it all 90/10...his chimo is 6K, its a double edge knife with putting him down or the chimo, both suck, but ill feel better knowing i gave him a chance....i a typically fruity dog owner who lets them do whatever. Sometimes the choc lab lets me sleep inside, those are good times, but its back outside if i piss her off