Does everyone have pet insurance or do you have other plans in place for paying for vets fees etc?

Both ours are insured but my boy is a complete money pit when it comes to vets fees. Everytime he goes to the vet its for something completely different and always just under or a couple of quid over the excess so no point in claiming He's so clumsy and allergic to everything but we wouldn't swap him for the world.

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