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Pet insurance only covers a few things. When Gus ate chocolate, his vet bill qualified for coverage by his insurance and, eventually, reimbursed after a tons of running around and lots of paperwork.
None of my cats have insurance. I doubt they would cover Charles. Also, they usually require cats to get vaccinations annually and I (and my vet) that that is too much and can actually be damaging.
It's a concept that really hasn't caught on yet.
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