We have four Avids and a Home Again. Our vet uses Avid, the rescue shelter from the 5th uses Home Again.

I wonder if you could ask your vet re insurance? I know it breaks their hearts if they have to euthanize just due to expense of treatment. I believe our vet has pet insurance information in the office only I never really looked at it much. I'm sure that a vet could say whether or not they think it's cost effective. Also, our vet is pretty nice about giving us discounts on things. With the economy being what it is, I am sure they are seeing people not come in as often as before. We do things like bring cats in on the same day for vaccinations or we see a vet tech if there is no reason to actually consult with the vet.