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I do all of this, but my dogs have pet insurance which cover most of the expense for routine exams and boosters. The insurance also covers accidents, illness and just about anything you can think of. In the time that I have had my dogs insured, it has saved me hundreds for one of the dogs, and thousands for the other. On average, the insurance has covered over 80% of the dog's medical costs. You can save money and provide routine care to your dog or cat if you invest in a simple insurance policy.
I want to add that the insurance is much much cheaper than people think, the coverage in most cases is excellent, and there are many providers to choose from. My budget is low right now, so my Doxie is on a plan that covers emergencies, accident and catastraphic illness up to $8000 per incident. It costs less than $10 per month for me to know that if anything unexpected happens to her, insurance will cover about 80% of the medical costs. That's $10 to ensure that I won't have to put her down if she gets hit by a car or is attacked or whatever. For $25-30 per month, she can have full coverage with 2 routine vet visits with shots, etc., per year. Each incident/procedure $8000+, no treatment denied, at the discretion of the owner, any vet allowed in any state. Basically, everything covered. I urge all of you to call around and get quotes, just so you can find out what might be possible for your dog/cat/parrot's medical coverage. It can also save a ton of money for you, and trouble.