Not always. Our dog was covered by insurance and when he was 2 years old, he had hereditary cataracks, the insurance covered $2000., the Specialist Vet fee was $4500. We didn't have the other $2500. for the surgery. Oliver is now 7 years old. A few months ago at his annual visit, our vet discovered an abcessed tooth and had to use anesthetic to remove his tooth (it ended up being 6 teeth) and the cost was $1200. and was laid-off work. It was very difficult to come up with this money.
