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POSTED: | BY: Josh
Stick with out of pocket
Sure, you could pay $1400-$1500 a year for coverage, but after considering that a very (very) minor portion of your claim will actually be reimbursed, you are far better off just paying out of pocket and moving on.
If the vet determines your pet may have a skin allergy, that will be tossed in the "pre-existing" category and tossed out. At no point has there ever been "100%" despite paying for it.