We also forgo the insurance and just keep an account balance for the dogs. There are so many things that aren't covered for various reasons and most of our big ticket items have fallen into those categories.
"We are--each of us--dying; it's how we live in the meantime that makes the difference."
"It's not what you gather, but what you scatter that tells what kind of life you have lived!"
"Be kinder than necessary, for everyone you meet is fighting some kind of battle."