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I don't have insurance; I do have a membership with "Pet Assure" though - they pay 25% of my bill at the time of service, and my dog has hip dysplasia - which insurance wouldn't cover because it's a pre-existing condition :(
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Definitely stay away from chocolate. It clogs your pores.
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I think once you get into the habit of being healthy and exercising, even when you stop exercising you still stay healthy. In other words you'll still stick with healthy foods and drink lots of water, without even realizing it :)