I am the proud mama of 2 6 month old boy cavs. After my cocker spaniel, who had been a beloved member of family for 13 years, passed away several months ago, I knew I would adopt a new fur child. Little did I know that it was going to be a set of twin boys! It has worked out wonderfully! Does anybody have any suggestions for pet insurance? In regards to vet bills, I know the first and last few years of a dog's life is expensive, and want to choose the best insurance for the best value. The problem I am havign is that many if not most of the plans I am viewing (e.g. ASPCA Insurance) have many pre-existing clauses, including those towards pure breds that may not develop the disease for several years (e.g., MVD)! Any recommendations?