[DemolitionRed]

Regardless of medical insurance, which would be on par with a hefty mortgage, you will be exempt from cancer treatment or whatever, if you have suffered from that in the past.

Having had horses, I always paid the hefty insurance, even though I had one horse who's all four legs were exempt!. When my Lusitano got peritonitis and had to be operated on, the bill his insurers paid was £22,000 but because peritonitis has a tendency to reoccur, he became exempt for that sort of treatment.