Do any of you guys carry health insurance for your pets? I've been going back and forth on it for years now and I am still considering it, especially now that the policies have opened up a little to include hereditary disease. I'm carrying a credit card right now for emergencies but it would be nice not to have to pay it back, haha. What brand did/do you have? Any recommendations? Are there any companies that can be billed straight off the bat, without having to have the money up front? Or is that case by case with the vet clinics? I have credit cards and ways to borrow if necessary, but if one of my dogs needed a $2000 emergency surgery paid up front tonight, that might be problematic. I'm also curious about pre-existing conditions, how would they know?? If something was 'cured' previously but comes back, is that covered? The whole thing confuses me..