Insurance companies aren't in it to lose money. It's purely financial. If most pet owners got more money from the insurer than they pay, they wouldn't be in business. Just something to keep in mind- it's a tough decision and if I had only one or two dogs, I'd probably insure them. But with more than that, it stops making much financial sense, I've run the numbers.
I think some companies do lock in rates, though, I'd do a search and find one that does, and see if it ends up being less expensive.
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