The cost of owning a dog doesn’t just stop when you buy or adopt it. The fully loaded cost includes food, toys, bedding, medicines, vet appointments, grooming, and any other normal, recurrent expenditures that are consumed solely by the fur baby. Pet insurance, while optional, is part of Nala and Sasha’s monthly bills, because you never know when they may require a major medical expense. I’d much rather know I’m getting reimbursed 80% after the deductible is met, than having to pay multiple thousands of dollars out of my pocket.