If you rent your home or have special needs, there are still pet health care plans for you that you can afford. Renters insurance includes damages caused by your pet, paid to a third party such as the property owner. Those who train or own service animals also can receive discounts, especially if the dog serves as a companion and service animal for a person with special needs. Not all companies offer all plans, so you have to shop around to find the plan that's right for you.

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