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If the premiums per year are more than the cost of the pet skip the insurance and pur away $$ on your own.
As stated earlier, mutts are less prone to genetic problems that purebred dogs always seem to encounter.
Our last dog was a mutt and her health declined immediately after she got zapped by a power surge (caused by lightening striking a
transformer near out house).
After the zap she was totally deaf.
In the long run you can't predict what will happen to your dog, but you can plan ahead for how you will handle it IF/WHEN it does happen.
Good luck!
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