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Most pet owners have difficulty affording veterinary care. This hardship alleviates due to the existence of the pet health insurance. Several pet owners were surveyed to determine if the inclusion of the pet health insurance plan was a contributing factor in rising vet visits and elevated spending on veterinary care. Health insurance for pets is a direct link to increasing spending at the vet, but not to an increase in vet visits. To build up a "random" pet, we use our policy and subsequent analysis to generate all of the pet's characteristics, the care package, deductible, and coinsurance. When the pet is established, the model inculcates a price for the pet.

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