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Lifespan and hereditary issues are just a couple of factors in this major expense.

Pet care costs extend far beyond adoption day. An affordable pet purchase for you may not be so affordable to your pet insurer. Certain dog breeds have genetic issues that make them more prone to health issues — and therefore more expensive to insure. A dog’s size and its perceived breed reputation can make a difference as well. Lifespan matters too. Breeds with shorter lifespans often have…