Thanks for the info, folks.
Regarding the cost of preventative care, that is not the reason for my research into insurance. But if it makes sense to include preventative care, then I'm all for it.
Like Leslie, I am a minimalist when it comes to personal medications. However, I want to make sure we tend to the health needs of our Dobe properly.
My understanding is that we need heartworm prevention in the piedmont area of NC. And with lots of trees around our house, I suspect fleas and ticks will also need prevention. I've heard Frontline mentioned, but know nothing about it.
Other than unexpected events (main reason for health insurance), I'm looking at whether or not it makes economic sense to include prevention.
I agree that one needs to consider the financial implications of a Dobe (or any pet for that matter) before bringing home a pet.