Aargh!! Be careful when reading these types of articles and remember that they are talking in averages. Your average dog maybe lives to twelve years, middle height and middle size with just the basics of problems. NOW let us consider the Bernese, much as I love the breed the big health issues that can quickly bankrupt an owner are hip and elbow dysplasia, sock eating with resulting intersusception of the bowel, bloat with torsion, ACL stifle injuries, and cancer.
Whether to buy or not to buy insurance is like playing Russian Roulette, just as with our health plans if we grow old with no health concerns and die in our sleep one night then those premiums are lost. BUT one big health issue and at least you don't have to scurry around to see if you can afford it. Murphy's Law:-) If you have it you don't need it and if you need it you don't have it! As a breeder I strongly recommend my buyers invest in insurance, not because I anticipate health problems but it provides a cushion of financial comfort if the need arises. With a good plan one doesn't have to go cheap on veterinary care. Rose T.
